VIJESH R
RETAIL BRANCH BANKING
Bangalore,karnataka
Summary
To undergo job at a highly professional organization, this demands high standards of excellence commitment and productivity Performance driven, insightful Banker with a proven ability to achieve and exceed all business –development and revenue generation goals in high-pressure environment and to promote banking products in the challenging environment.
Overview
22
22
years of professional experience
1
1
Language
Work History
(Vice President) Head Sales and Marketing
Nitstone Finserve PVT LTD (NBFC)
02.2025 - Current
- Heading complete sales/marketing/collection/formulating business plans to market a wide range of products and achieve organization goals Target
- Handling product development, Admin, collection, marketing and finance
- Responsible for business development Gold loan, Business loan and personal loan.
- Scaling up the new start up business by introducing new product, hiring manpower, Digital marketing adds through SEO,paid ads,influencer campaigns.
- Revenue forecast for 3 to 5 years
- Break – Even Analysis
- Introducing Technology for increasing the business
- NPA reduction strategy
- Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
- Identified opportunities to improve business process flows and productivity.
- Established a culture of continuous improvement, fostering innovation and driving sustainable growth across the organization.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Increased company growth through collaboration with sales and marketing departments.
(DVP)ZONAL HEAD (FINCARE ) CLUSTER HEAD (AU)
AU Small Finance Bank ( Fincare Unit)
05.2022 - 02.2025
- Maximized revenue growth with strategic planning, market analysis, and targeted marketing campaigns.
- Formulated and executed strategic business plans to market a wide range of banking products and achieve organizational sales targets.
- Successfully handled sales and operations across two key regions – Karnataka and Tamil Nadu.
- Responsible for driving CASA value, CASA numbers, and cross-sell parameters including Life Insurance, Health Insurance, and General Insurance.
- Leveraged MCA and Prob 42 platforms to connect with startups and generate high-quality leads.
- Launched two branches in Bangalore and one in Mangalore, achieving a combined book size of ₹45 crore in FY 22–23.
- Collaborated with RM, CARM, IRM, CA ASM, Cluster Heads, Branch Managers, and Wealth RMs for portfolio mapping, sales monitoring, and revenue generation.
- Drove Gold Loan sales and renewals, maintaining average books of ₹15 lakh in metro branches and ₹10 lakh in semi-urban locations.
- Monitored branch-level activities to strengthen NTB (New-to-Bank) acquisitions and improve productivity.
- Managed a multi-layered reporting structure comprising CH, ASM SA, ASM CA, RSM, WRM Head, IRM ASM, and Trade RM, handling a total team size of 170 employees
(Vice President) Cluster Head
IDFC FIRST BANK LTD
04.2020 - 03.2022
- Successfully managed six branches within the region, driving consistent business growth while ensuring operational compliance and superior customer service standards.
- Oversaw key performance metrics including CASA value, CASA numbers, and cross-selling of Life Insurance, Mutual Funds, General Insurance, and Forex revenue.
- Monitored and guided branch teams to improve New-to-Bank (NTB) acquisition, ensuring sustainable growth in customer base and revenue.
- Tracked NTFX volumes and value on a branch-wise basis, reviewing progress and ensuring achievement of defined targets.
- Managed client portfolios and sourced new trade customers through continuous market analysis, opportunity assessment, and targeted engagement.
- Collaborated closely with branch teams to align daily operations with business objectives, ensuring achievement of specific regional and branch-level targets
- Prepared budgets for [Number] facilities within cluster.
(Assist Vice President) Branch Head
IDFC FIRST BANK LTD
02.2018 - 03.2020
- Drove CASA growth and successfully scaled the branch to a ₹150 crore CASA portfolio within two years of launch, reflecting strong acquisition and customer engagement strategies.
- Accountable for building Forex revenue, enabling the branch to achieve ₹2.30 crore in FX income through focused client servicing and targeted trade customer sourcing.
- Designed and executed strategic catchment-level activities to strengthen brand visibility and accelerate CASA acquisition.
- Delivered strong performance in retail lending by achieving ₹12 crore Housing Loan disbursement and ₹7 crore LAP disbursement in the financial year.
- Led and managed a 23-member team with exceptional people management skills, maintaining near-zero attrition (only one exit in two years).
- Oversaw a diverse workforce including NR RM, BRM, Savings Sales Manager, Current Account Sales Manager, Savings Account Officers, Bank Officers, Deputy Branch Manager, and Flexi Bankers (TDO), ensuring smooth branch operations and consistent achievement of business targets.
(Senior Manager)Branch Head
HDFC Bank ltd.
01.2011 - 02.2018
- Directed comprehensive sales and operational functions, effectively managing a branch with a ₹450 crore CASA portfolio while ensuring sustained growth and service excellence.
- Designed and executed strategic catchment development initiatives aimed at strengthening CASA acquisition and enhancing customer penetration.
- Managed and expanded the retail trade forex portfolio, driving consistent revenue generation through targeted sourcing and strong client relationship management.
- Led Gold Loan sales and servicing, implementing structured on-ground activities to grow the portfolio and improve customer reach.
- Oversaw a wide spectrum of retail asset products, including Loan Against Property, Home Loans, Personal Loans, Business Loans, Working Capital, Cash Credit, Bank Guarantees, Used Car Loans, and Two-Wheeler Loans, ensuring robust asset growth.
- Maintained consistently low attrition levels by fostering a positive work environment and implementing effective employee engagement and retention strategies.
(Senior Manager) Area Acquisition Head
HDFC Bank ltd.
12.2010 - 01.2011
- Led operations across 18 branches in Karnataka, managing a structured team that includes 4 Sales Managers, 10 Team Leaders, and 70 Customer Service Executives, ensuring smooth functioning and strong business outcomes.
- Planned and executed state-wide business development initiatives aimed at accelerating growth, improving productivity, and meeting overall sales objectives.
- Drove team performance and target achievement, providing continuous guidance, monitoring, and strategic support to ensure consistent monthly results.
- Delivered end-to-end training programs, including promotional, product, and induction training, for all levels of staff—from Sales Managers to Customer Service Executives—enhancing capability and operational effectiveness.
- Consistently achieved monthly business targets through structured planning, strong team collaboration, and focused execution.
(Manager) Branch Sales Manager
HDFC Bank ltd.
12.2009 - 12.2010
- Led a structured sales team comprising Team Leaders and Customer Service Executives, with a strong focus on team building, capability development, and performance enhancement.
- Successfully managed and expanded dealer business operations by guiding and monitoring Team Leaders to drive consistent sales productivity.
- Oversaw five branches in Bangalore, managing four Team Leaders and ensuring achievement of sales and liabilities business targets through strategic planning and execution.
- Delivered extensive training modules on Liabilities Products, Premier Accreditation, Forex, Process Excellence, Performance Management, and Sales Coaching, significantly improving team skillsets and readiness.
- Built and maintained strong relationships with the banking and business teams, ensuring sustained revenue generation and effective territory management.
- Consistently drove the team to achieve monthly retail MIS targets, supported by data-driven planning, tracking, and reviews.
- Organized and executed daily sales activities across schools, colleges, residential complexes, and IT parks, ensuring robust lead generation and market presence.
- Supervised CPV (Customer Profile Verification) and CPU (Central Processing Unit) operations, ensuring compliance, accuracy, and smooth processing standards.
(Deputy Manager ) Branch Sales Manager
HDFC Bank ltd.
05.2007 - 12.2010
- Expanded the bank’s business footprint by acquiring new corporate customers and unlocking high-value growth opportunities.
- Provided strong leadership, mentoring, and training to the sales team, ensuring consistent achievement of assigned business targets.
- Monitored team performance through effective sales process management, ensuring operational discipline and improved conversion rates.
- Enhanced customer value by cross-selling a range of banking products to existing clients, strengthening relationships and increasing wallet share.
- Successfully achieved revenue and deposit budgets through strategic planning, targeted acquisition, and portfolio optimization.
- Improved bank profitability by focusing on low-cost deposit mobilization, contributing to better margins and sustainable business growth.
- Managed resources efficiently and executed corporate outreach activities to identify new business avenues and deepen engagement with corporate clients.
(Team Manager) Home Loan
ICICI Bank ltd.
12.2005 - 05.2007
- Managed end-to-end Home Loan documentation, ensuring compliance and accuracy at all stages of the process.
- Initiated and coordinated Office & Residence Field Investigations (FI) to verify customer credentials and background.
- Handled complete loan disbursal documentation, ensuring timely and compliant execution.
- Built strong relationships with builders and developers, securing Financial Approval (Advance Processing Facility) for projects and driving corporate tie-ups and special offer programs.
- Led a sales team of 15 executives, driving both individual and team targets through continuous coaching and performance management.
- Managed key relationships with the banking team, ensuring consistent revenue generation and territory profitability.
- Consistently achieved individual monthly targets exceeding ₹2 crore, with the team contributing an additional ₹5 crore monthly.
(Asst Manager)Home Loan
ABN AMRO BANK
11.2003 - 11.2005
- Managed complete Home Loan documentation, ensuring compliance and accuracy throughout the approval process.
- Initiated and coordinated the legal verification process, obtaining timely clearances for loan sanction.
- Facilitated property valuation and technical assessments, ensuring thorough verification prior to approval.
- Handled end-to-end loan disbursal documentation, ensuring timely, error-free processing.
- Achieved a strong performance record with the highest sanction of 12 files in a month and a monthly disbursement of ₹2.50 crore
Education
MBA - Marketing & HR
ISBM
BCOM - COMMERCE
MS RAMAIAHA COLLEGE BANGALORE
PUC - COMMERCE
MS RAMAIAHA COLLEGE BANGALORE
SSLC - Math’s, Eng. Science
SEVETH DAY ADVENTIST BANGALORE
Skills
Interests
Reading Books, Ridding bikes for trips
Accomplishments
- 2007-2010 Pan India no.1 for SB Account
- Pan India topper for business of CASA for continuous 2 years ie 07-08 &08-09
- Godel medal Winner 09-10 Pan India topper preffered and classic account
- Godel medal Winner 07-08 YTD achievement.
- Won an LCD TV Max it up pan India
- Won prizes Regional level contests
- Regional level 3 for highest dispesmnet
- Won certificate for pan india topper in Insurance Highest premium collected 80 Lakhs Single Cheque.
- Have been to KPA rating for continuous 4 years in the performance level.
PROFESSIONAL SUMMARY
Aspiring for Senior Managerial roles in Retail Branch Banking, Retail Asset Loans, Product Management, and Business Development with a reputed organization in the Banking Sector. Possess 19 years of rich experience in Sales & Marketing, Business Development, Product & Portfolio Management, and P&L Management. A performance-driven Business Manager with demonstrated expertise in leading large teams, driving business growth, maximizing profitability, and formulating long-term strategic plans aligned with organizational goals.
- Retail Asset Finance
- Branch Banking Operations
- Channel & Direct Sales
- Product & Portfolio Management
- Branding & Marketing
- Relationship & Key Account Management
- P&L Ownership & Budgeting
- Team Leadership & People Management
- Business Development & Market Expansion
- Change Management
Branch Management
- Managed complete branch operations with strong focus on achieving top-line and bottom-line targets.
- Ensured optimal resource utilization and operational efficiency.
- Coordinated with top management to develop corporate goals, budgets, and business plans.
Finance Management
- Developed and implemented financial strategies to drive profitability across multiple banking products and services.
- Streamlined finance processes, identified improvement areas, and implemented measures to enhance service quality and customer satisfaction.
Sales & Marketing
- Led sales and marketing functions, including product launches, promotional campaigns, and brand-building initiatives.
- Analyzed market trends and competitor activities to strengthen product positioning and optimize sales strategies.
Customer Relationship Management
- Built and maintained strong relationships with key clients to drive business generation and enhance customer retention.
- Identified new business opportunities, managed existing accounts, and ensured high levels of service delivery and satisfaction
Timeline
(Vice President) Head Sales and Marketing
Nitstone Finserve PVT LTD (NBFC)
02.2025 - Current
(DVP)ZONAL HEAD (FINCARE ) CLUSTER HEAD (AU)
AU Small Finance Bank ( Fincare Unit)
05.2022 - 02.2025
(Vice President) Cluster Head
IDFC FIRST BANK LTD
04.2020 - 03.2022
(Assist Vice President) Branch Head
IDFC FIRST BANK LTD
02.2018 - 03.2020
(Senior Manager)Branch Head
HDFC Bank ltd.
01.2011 - 02.2018
(Senior Manager) Area Acquisition Head
HDFC Bank ltd.
12.2010 - 01.2011
(Manager) Branch Sales Manager
HDFC Bank ltd.
12.2009 - 12.2010
(Deputy Manager ) Branch Sales Manager
HDFC Bank ltd.
05.2007 - 12.2010
(Team Manager) Home Loan
ICICI Bank ltd.
12.2005 - 05.2007
(Asst Manager)Home Loan
ABN AMRO BANK
11.2003 - 11.2005
BCOM - COMMERCE
MS RAMAIAHA COLLEGE BANGALORE
PUC - COMMERCE
MS RAMAIAHA COLLEGE BANGALORE
SSLC - Math’s, Eng. Science
SEVETH DAY ADVENTIST BANGALORE
MBA - Marketing & HR
ISBM