VIVEK BHUSHAN DUTTA

Industry: Financial Service (Bank)

• Developed and maintained strong relationships with individual clients, corporates, and group companies to drive personal loan business growth.
• Prospected and acquired new clients through indirect sales networks, ensuring consistent achievement of sales targets and KPIs for personal loan products.
• Conducted client needs assessments to recommend tailored personal loan solutions, enhancing customer satisfaction and retention.
• Collaborated with internal credit and risk teams to facilitate smooth loan processing, ensuring compliance with Emirates NBD's policies and regulatory guidelines.
• Delivered exceptional customer service by addressing client queries and resolving issues promptly, maintaining Emirates NBD's reputation for excellence.
• Monitored loan disbursal processes and followed up with clients and operation to ensure timely documentation and adherence to service-level agreements.
• Consistently achieved or exceeded monthly and quarterly sales targets.

• Industry: Exchange
• Drove significant revenue growth of 18.46% (2020-2021) and 12.43% (2021-2022) by spearheading sales initiatives for WPS Payroll Services, Company Pension, (UAE Nationals), Forex, and Corporate Remittance (TT), expanding a client base of 1,055 to include major corporate giants.
• Led a team of Relationship officers, developing and executing strategic sales plans to secure new client relationships and enhance existing ones, doubling revenue through targeted outreach and cross-selling.
• Reduced processing delays and increased transaction logins by optimising the entire WPS process for major corporate and group companies, earning management recognition through a salary hike and scheduled increment.
• Screened and evaluated business deals by analysing market strategies and financial options, recommending high-value Forex transactions to drive profitability.
• Contributed to marketing campaigns and used referrals across sales channels to boost customer acquisition.

• Industry: Bank
• Drove sales of personal banking products, including Personal Loans (ALE/NALE), Credit Cards, through ethical and structured client engagement, contributing to revenue growth and customer acquisition.
• Acted as primary external contact for existing and potential clients, using through phone calls and in-person interactions to meet and exceed sales targets.
• Assisted clients with account setup/closure, loan acquisitions, and onboarding for new services, providing accurate costs calculations, and transparent quotations to build trust.

• Industry: Non-Banking Financial Company
• Spearheaded lead generation for Personal Loan through direct company visits, significantly expanding the client pipeline.
• Drove cross-selling of credit cards enhancing revenue streams and client portfolio growth.
• Engaged clients through site promotions, and one-on-one interactions.
• Developed and implemented marketing strategies to grow the customer base.
• Proactively monitored client issues, delivering prompt resolutions to ensure sustained satisfaction and loyalty.

• Industry: Bank
• Drove sales and cross-selling of Current Accounts, Savings Accounts, Credit Cards, Debit Cards, Demat Accounts, Fixed Deposits, Recurring Deposits, Forex, NetBanking, Insurance, Mutual Funds, and Loans, achieving significant portfolio growth.
• Increased cross-selling penetration by adding family members to customer portfolios, boosting product holdings in savings, investments, insurance, and loans, resulting in enhanced client retention and profitability.
• Optimised portfolio management by maintaining Average quarterly Balance (AQB), transaction activity, and profitability, while activating NetBanking, Demat Accounts, Credit Cards, and Bill Pay services for clients.
• Spearheaded operational improvements, implementing performance strategies that enhanced client relationships and increased profit margins through streamlined processes and proactive problem-solving.

• Industry: Insurance Company
• Drove sales and cross-selling of life, Pension, and Child Insurance Plans, consistently achieved sales targets and enhanced client financial security.
• Engaged clients through regular communication to assess needs, promote tailored insurance solutions, and provided pre- and post-sales support, including policy insurance and servicing.
• Collaborated with channel partners to deliver prompt updates on new product launches, ensuring seamless adoption and alignment with market demands.
• Resolved client conflicts and negotiated mutually beneficial agreements, maintaining high customer satisfaction and fostering long-term relationships.

• Industry: Bank
• Cultivated strong customer relationships through proactive engagement and attentive service, driving branch sales of Auto Loans and cross-selling insurance, Credit Cards, and savings accounts.
• Streamlined file processing, disbursement, and MIS updates, ensuring efficient loan approvals and compliance with banking standards.
• Mentored and guided team members, conducting regular meetings to reinforce best practices and align with performance expectations fostering a high-performing team environment.

• Industry: Bank
• Led auto loan branch sales team (DST) and cross-selling operations across 14 branches in Delhi and NCR, auto loan, driving sales of insurance, credit cards, and savings accounts to achieve revenue and service targets.
• Cultivated and secured new customer relationships, consistently meeting or exceeding sales goals through strategic lead generation and relationship-building efforts through branch team.
• Maintained in-depth knowledge of competitor products and market pricing, enabling effective positioning of HDFC's offering to maximise market share.
• Oversaw after-sales service, cross-selling initiatives, and lead tracing in CRM and LOS systems, ensuring high conversion ratios and operational efficiency.
• Monitored branch performance and conducted regular follow-ups, implemented data-driven strategies to optimise sales outcomes and enhance customer satisfaction.