Summary
Overview
Work History
Education
Skills
Timeline
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VIJAYKUMAR PADSALGI

Cluster Head - RetailBranch Banking
Bengaluru

Summary

  • Impressive success in driving consistent growth in revenue/ profit by improving top-line &bottom-line performance and consistently increasing business turnover YOY.
  • Experience in turning around underperforming branches by successful restructuring problematic accounts and by maintaining highest customer service levels.
  • Delivered 30% growth in CASA & Deposits book and 50% increase in Fee & Third Party products, driving business excellence & contributing to overall growth of the organization.
  • Proven history of formulating successful strategies for launching & driving business by entering new market segments for diversified portfolio of Financial products,
  • Added value to the efforts of the organization by building high performing teams that excel in delivering business value with high morale & low attrition.

Overview

21
21
years of professional experience

Work History

Cluster Head - Branch Banking

HDFC Bank Ltd
04.2022 - Current
  • Spearheading Profit Centre Operations of branches, including Sales, Operations Management, Fraud Control & Reporting, Regulatory Compliance, Due Diligence and Customer Retention.
  • Overseeing 11 branches, managing a workforce of 60+ employees, and driving a total GL of 800 crores.
  • Spearheading initiatives to increase CASA numbers from 300 to 500 accounts/ month i.e. 30% growth in CASA & Deposits book and a 50% increase in Fee & Third Party products.
  • Leading the launch of new products, including Home Loan LAP, Credit Cards, and Working Capital Loans, contributing to business growth and customer satisfaction.
  • Implementing innovative customer engagement strategies and onboarding processes,resulting in a 20% increase in customer acquisition and retention, contributing to the overall growth of the organization.
  • Driving operational profitability initiatives, engaging clients with asset and liability products to drive operational profitability, demonstrating a focus on driving business growth and profitability in the current role.
  • Executing strategic measures to optimize performance and increase profitability, ensuring branches ran as profit centres by reviewing cost-to-income ratios and implementing cost control measures.

Branch Manager - Branch Banking

HDFC Bank Ltd
08.2012 - 04.2022
  • Successfully established the branch and expanded the GL from INR 250 Cr. to INR 750 Cr. within the period of three years
  • Conceptualized and implemented effective strategies to optimize resources and penetrate new accounts with higher product holding ratios.
  • Responsible for achieving Sales goals, Operations, and Performance goals in a High-intensity Sales environment.
  • Effectively managing the sales and operational activities of the branch.
  • Ensure that the branch exceeds the top line as well as bottom line targets related to sales, service, and operational goals to meet the revenue budget.
  • Ensure the smooth functioning of daily branch operations.
  • Managing and giving training to personal bankers, customer service representatives, and tellers as to train them to perform their duties effectively.
  • Prepare financial and regulatory reports required by banking laws, RBI & Management, Business Development & Marketing: Handling the branding of the company through organized lead generation activities for business and recruitment.

Asset Desk Manager - Retail Assets

Hdfc Bank Ltd
07.2009 - 07.2012
  • Developing & managing the entire business portfolio of eleven different products includin Working Capital Limit, Loan against Property, Home Loan, Personal Loans, Gold Loan, Loan against Security, Business Loan, Commercial Vehicle Loan, Two Wheeler Loan, Auto Loan & Used Car Loan
  • Monitoring & tracking the business of each branch staff among all the eleven verticals in coordination with ZH, CH & BM.
  • Representing HDFC Bank in various mass marketing activities like presentations in co-operates, clubs & associations, Loan Melas in target segments, etc. • Imparting regular training to Branch Staff about the policy changes across all the produc lines regularly.
  • The branch created a new benchmark by posting all-time high numbers of 130 Cr in FY 2010-11. • Ensured business happens not consistently but also through desired product mix across eleven

Consultant

I-fix Solutions Pvt Ltd
04.2009 - 06.2009
  • Mentored junior consultants, fostering professional growth and building strong team dynamics.
  • Implemented best practices to optimize clients'' organizational performance, leading to improved operational efficiency.

Agency Manager

Metlife India Insurance Pvt Ltd
10.2004 - 02.2009
  • Built a culture of accountability within the organization by establishing clear expectations for individual performance.
  • Handled Team of 11 Sales mangaers with 200 Finacial Advisors
  • Recruiting Financial Advisors Arrange the agents are trained and supervised, compensated and incentivized properly while they possess the required skills and knowledge to perform their roles


Sales Executive

Sprism Investments Pvt Ltd
09.2003 - 07.2004
  • Delivered exceptional customer service, resulting in a high percentage of repeat business and client referrals.
  • Collaborated with internal teams, such as product development and customer support, to ensure seamless client experience throughout the sales process.
  • Developed key partnerships, resulting in increased lead generation and cross-selling opportunities.
  • Conducted comprehensive market research to identify emerging trends and adjust sales approach accordingly.

Education

MBA - Marketing

Vijaynagar Institute of Management Studies
Bellary
04.2001 -

Bachelor of Science - E & Cs

Lakshmi Venkateshwara Desai College
Raichur, India
04.2001 -

Skills

    Negotiation and Conflict Management

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Timeline

Cluster Head - Branch Banking

HDFC Bank Ltd
04.2022 - Current

Branch Manager - Branch Banking

HDFC Bank Ltd
08.2012 - 04.2022

Asset Desk Manager - Retail Assets

Hdfc Bank Ltd
07.2009 - 07.2012

Consultant

I-fix Solutions Pvt Ltd
04.2009 - 06.2009

Agency Manager

Metlife India Insurance Pvt Ltd
10.2004 - 02.2009

Sales Executive

Sprism Investments Pvt Ltd
09.2003 - 07.2004

MBA - Marketing

Vijaynagar Institute of Management Studies
04.2001 -

Bachelor of Science - E & Cs

Lakshmi Venkateshwara Desai College
04.2001 -

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