Vikrant Khandelwal

• Spearheading retail banking operations across 22 branches in Pune region, overseeing business growth, profitability, and compliance.
• Successfully achieved over ₹350 crore in CASA growth YoY, with 20 % increase in cross-sell ratio (insurance, loans, wealth products).
• Designed and implemented hyper-local marketing strategies to expand reach in Metro & SURU Branches.
• Leading a team of 140+ including branch managers, relationship managers, and support staff, driving strong employee engagement and performance metrics.
• Strengthened regulatory audit readiness, reducing operational discrepancies.
• Integrated digital platforms and customer engagement tools to enhance service quality and reduce turnaround time (TAT)

Key Achievements:

• CASA Book Growth: Achieved 20% YoY growth in the CASA portfolio, surpassing the cluster targets.
• Loan Disbursement Milestone: Crossed ₹350 + crores in retail loan disbursements in FY 24-25, with one of the lowest delinquency rates in the region.
• Customer Retention: Improved Net Promoter Score (NPS) through customer engagement drives and complaint redressal turnaround within 24 hours.
• Digital Activation: Increased digital channel adoption by 40%, reducing over-the-counter transactions and optimizing branch operations.
• Team Excellence: 4 Branch Managers promoted to Cluster Heads; 3 Relationship Managers awarded “All India Top Performers.”
• Audit Performance: Implemented & ensured “Low Risk” rating in 100% of branch audits with no critical observations.
• Financial Inclusion: Worked on acquisition of more than 5000+ customers though inclusion of SHGs under PMJDY & PMSBY schemes.

Key Responsibilities:

• Strategic Business Leadership:

1. Lead P&L ownership for 22 branches, ensuring consistent growth in CASA, retail assets, and fee income.

2. Executed cluster-level business plans aligned with zonal and national objectives.

• Sales and Revenue Growth:

1. Drove targets for CASA, retail loans (HL, PL, BL, Auto), insurance, mutual funds, and third-party products.

2. Managed campaign rollouts and monitored product-level performance through structured MIS.

• Branch Operations and Customer Experience:

1. Ensured branch compliance with internal controls, process excellence, and regulatory guidelines.

2. Maintained high service quality through customer delight initiatives, and regular VOC (Voice of Customer) reviews.

• Team Leadership & Talent Development:

1. Mentored and developed over 200 staff, including Branch Managers, RMs, and service personnel.

2. Facilitated continuous training, performance tracking, and succession planning.

• Market Penetration & Geo Strategy:

1. Identified high-potential markets to increase footprint and customer acquisition in both urban and semi-urban areas.

2. Conducted micro-market studies and built local alliances to enhance visibility.

• Risk and Audit Governance:

1. Ensured zero non-compliance during internal, statutory, and RBI audits across branches.

2. Proactively addressed KYC/AML issues, operational leakages, and regulatory exceptions.

• Leading a team of over 45 members and managing overall book size of more than 2300 Crores where we collectively achieve the laid down objectives.
• Devising and implementing highly collaborative comprehensive strategies spanning across business planning & development, operations, and compliance
• Implementing Sales Strategy to exceed Revenue Budgets and Identifying new streams for revenue growth.
• Using forecasting to ensure the sale & profitability of products.
• Analyzing business developments & monitoring market trends.
• Managing product range for retail branch banking vertical of the bank
• Maximizing customer satisfaction level with timely delivery, customer complaints, efficient services.

• Leading a team of over 15 members and managing overall book of more than 900 Crores where we collectively achieve the laid down objectives.
• Growing the Branch Book while ensuring sustainable retail growth & increasing the HNW Managed Book as well.
• Ensuring adherence to internal as well as regulatory standards, policies & requirements.
• Supporting the team & maneuvering opportunities for optimizing cost as well as improving revenue to ensure continuous profitability.

• Managing a team of 8 HNW RM along with 3 PB Sales and OBST Team Members ensuring achievements of budgets within portfolio and growing the HNW & Branch Book.

• Development of New Business Vertical – Banking & Financial Services (BFSI) for the organization. The vertical is focused to provide new age solutions to the organizations which are efficient, effective & helps to make work much easier and more rewarding. Developing innovative and efficient products using Learning Technologies, Digital Content and Mobile Apps in Learning & 3D immersive environment space.
• Developing business opportunities and mapping requirements to achieve results
• Handling end to end RFPs/RFQs/RFIs with inputs from the solution architect(s)
• Building and maintaining healthy business relations with clients, ensuring maximum customer satisfaction by achieving performance parameters delivery & quality norms.
• Carry meetings to define the value proposition & review the Sales and Strategic initiatives against set business plan objectives

• Acquire new HNI Customers and ensured Enhancement of the relationship by cross-selling products and services as per the profile & need of the customers Deepening the size of the relationship Retention of the customers by providing the best possible services and being the dedicated point of contact for these customers so that the bank is the primary banker for these relationships while ensuring we have maximum share of wallet of these customers.
• Sales – Acquiring -> Enhancing ->Deepening -> Retention
• Portfolio Management
• Customer Services
• Achievement of Income Plans and Other Set Benchmarks
• Operations Handing

• KEY ACHIEVEMENTS:
• Awarded by Million Dollar Round Table Conference for Australia 2025
• Awarded by Million Dollar Round Table Conference for Korea 2024
• Awarded by Million Dollar Round Table Conference for USA 2023
• Awarded by Million Dollar Round Table Conference for Japan 2023
• Key Performer Award for FY 2019, 2020, 2021,2022 for being the best across all business parameters for HDFC Bank Ltd
• Tripled the Branch Book in last 3 Years with a consistent growth in the Liability & Assets.
• Awarded by Million Dollar Round Table Conference for November & December 2022
• Won the prestigious MD-GH - September 2022 for outstanding delivery in Third Party Products
• Won the Best Regional Branch Award for Liabilities Across Q1 – June 2022
• Awarded by Million Dollar Round Table Conference for April 2021
• Awarded by Million Dollar Round Table Conference for December 2020
• Life Insurance Excellence Award by HDFC Bank Ltd in June 2020
• Awarded by Million Dollar Round Table Conference for February 2020
• Won the CEO-GH Award – March 2019 for outstanding delivery in Branch Business for TPP
• Gold Star Award for Best Branch – October 2018
• Awarded for significant contribution as RSM - Peak Pacific and Development of New Business Vertical – BFSI
• Awarded as The Grandmaster Super achiever 2013-14 by HDFC Bank Ltd for West 1 Region
• Awarded as the Superstar Achiever 2012-13 by HDFC Bank Ltd for West 1 Region
• Achievers Club Winner for 2011 – Paris and 2012 Switzerland summit held with HDFC Bank Ltd
• Won a Special 26 Award – October 2010 for contribution in Team Building and Overachievement of Budgets across 7 Parameters.
• Awarded as Best Branch Manager – March 2010 for making a difference to business & customers with an excellence in service.
• Awarded as Best Relationship Manager 2008-09 by HDFC Bank Ltd for West 1 Region