Dilchand Kumar

Seasoned banking professional looking to step into an advanced officer-level role to drive branch growth and customer excellence. Deeply experienced in retail banking operations, liquidity management, asset allocation, and cross-selling a diverse suite of financial products. Proven track record in managing high-net-worth (HNW) portfolios, accelerating Assets Under Management (AUM) growth, and executing strategic client acquisition.

Relationship Manager (Personal Accounts) at RBL Bank (2026-04 – Present)

• Manage a large portfolio of retail customers and high-value clients, consistently meeting or exceeding monthly sales and revenue targets.
• Leverage advanced CRM tools to track critical client milestones, analyze transactional behavior, and deliver personalized wealth management alerts.
• Drive organic growth by acquiring new-to-bank customers through strategic local networking, targeted cold calling, and structured referral pipelines.

Premium Banking Relationship Manager at Deutsche Bank (2025-05 – 2025-10)

• Sourced and onboarded new-to-bank (NTB) premium clients through structured corporate presentations, industry networking, and active referral channels.
• Successfully converted standard retail banking accounts into premium tier accounts by analyzing transaction patterns and pitching high-end ecosystem benefits.
• Collaborated seamlessly with cross-functional teams to deliver tailored financial solutions, meeting complex client objectives.
• Maintained a strong performance record by consistently meeting or exceeding core sales and service metrics.

Deputy Manager-I at ICICI Bank (2023-06 – 2025-01)

• Managed a high-performing portfolio of 300+ high-net-worth clients, successfully increasing total AUM by 15% within a 7-month period.
• Delivered personalized wealth management and advisory services across investment, insurance, and financial planning sectors to meet long-term client goals.
• Nurtured and enhanced customer relationships within the retail banking sector, ensuring industry-leading satisfaction and retention levels.

Post Graduate Diploma in Banking in Banking – Manipal Academy of Higher Education (2023 – 2024)

Bachelor of Arts (B.A.) in Arts – Binod Bihari Mahto Koylanchal University (BBMKU) (2017 – 2021)