Aravind Athreya

Results-driven Banking Professional with 10+ years of experience in retail banking, sales management, and branch operations. Proven track record in portfolio expansion, team leadership, and revenue growth. Skilled in personal loans, gold loans, collections, and cross-selling financial products. Strong communicator with expertise in customer relationship management and process optimization.

Sales Manager at HDFC Bank (2022-10 – Present)

• Handling a soft relationship with internal channels to upscale the through the RM level interaction of getting LG from them.
• Handled a relationship with external channels and regular visits to enhance the business.
• Achieved 110% of the target In the FY 2023-24 across all key products.
• Worked among both Internal channel and also with the virtual channels over these 3.5 years of Journey.
• Ensure to fullfil the journey from LG to LC with smooth interaction with Customer, Channel, Credit and RIC team for disbursement.
• Coordinated with customers, credit teams, and internal stakeholders for smooth loan disbursement
• Strengthened RM-level engagement to increase lead generation and conversions
• Proficient in banking systems: LOS, CRM Next, FinnOne

Branch Head at Jana Small Finance Bank (2019-05 – 2022-07)

• Led a team of 50+ employees across multiple banking product lines
• Expanded customer portfolio from 2,000 to 8,500 within 24 months
• Ensured profitability through cost control and operational efficiency
• Reduced NPA levels through focused recovery strategies
• Managed audits, compliance, and regulatory requirements
• Maintained 100% EMI recovery during crisis situations

Area Manager at Jana Small Finance Bank (2016-06 – 2019-04)

• Managed Individual Loans, Gold Loans, and NPA portfolios
• Improved credit scoring processes for better lending decisions
• Implemented process improvements to reduce turnaround time (TAT)
• Built and developed high-performing sales teams

MBA in Finance – SRM University, India (2016)

B.Com – Vivekananda University, India (2014)