Dinesh Bhandari

Results-driven Corporate Banking and Business Development professional with 16+ years of experience spanning banking, NBFC, credit ratings, financial advisory, and corporate sales. Strong expertise in relationship management, corporate & SME acquisition, working capital finance, credit appraisal, portfolio management, business development, and strategic account management. Currently associated with HDFC Bank – Emerging Enterprise Group, managing corporate relationships and originating working capital solutions including CC, OD, TL, BG, and LC.

Experienced in managing the end-to-end client and credit lifecycle, including business origination, onboarding, CAM condition review, renewals, portfolio monitoring, delinquency management, and cross-selling. Recognized for building long-term corporate relationships, developing new business channels, identifying market opportunities, strengthening partner ecosystems, and using consultative and solution-oriented selling to support business growth. Strong ability to collaborate with credit, analyst, operations, branch, and national account teams.

Relationship Manager – Emerging Enterprise Group (EEG) - HDFC BANK LIMITED - Udaipur

(2025-12 - 2026-05)

• Manage strategic relationships across a dedicated Mid/Large Corporate territory, driving business development, lead generation, client acquisition, onboarding, and relationship deepening.
• Originate and structure working capital and business banking solutions including Cash Credit (CC), Overdraft (OD), Term Loan (TL), Bank Guarantee (BG), and Letter of Credit (LC).
• Manage key activities across the credit lifecycle, including CAM condition review, renewals, portfolio monitoring, and delinquency management.
• Identify opportunities to deepen relationships through cross-selling and solution-based banking, supporting increased client engagement and wallet share.
• Develop and execute territory-level sales and business development strategies in coordination with branch and internal stakeholders.
• Conduct market, industry, and competitor intelligence to identify emerging opportunities and strengthen territory planning.
• Develop and manage strategic partner and channel sales programs, covering planning, execution, monitoring, and performance tracking.
• Collaborate with credit, operations, and business teams to facilitate effective execution of corporate banking proposals and client requirements.

Senior Business Development Manager - FINMEN ADVISORS AND CONSULTANTS PVT. LTD. - Rajasthan

(2024-05 - 2025-08)

• Led corporate business development and relationship management for Mid/Large Corporate accounts across Rajasthan.
• Developed new business opportunities through corporate client acquisition, relationship expansion, referrals, lead generation, and strategic account development.
• Originated credit rating mandates and funding proposals, aligning client requirements with appropriate financial solutions.
• Developed MIS dashboards, market intelligence, competitor analysis, and geography-wise sales plans to strengthen business planning and execution.
• Partnered with national account teams to translate business strategy into actionable market and client acquisition initiatives.
• Applied consultative, question-based selling to strengthen client and partner relationships and identify cross-selling and up-selling opportunities.
• Managed the complete business development cycle from prospect identification and engagement through conversion, onboarding, and relationship development.

Manager – Business Development - INFOMERICS ANALYTICS AND RESEARCH PVT. LTD. - Udaipur

(2023-05 - 2023-09)

• Developed strategic partnership frameworks for key markets, including partner selection criteria, agreement structures, and business success programs.
• Coordinated with Analyst and Operations teams to deliver Ratings & Grading solutions including Due Diligence, TEV Reports, Education Grading, Real Estate Ratings, and Healthcare Grading.
• Developed proactive sales campaigns focused on new client acquisition, account expansion, referrals, cold calling, and lead conversion.
• Identified market opportunities and strengthened existing client relationships through structured business development initiatives.

Sales Manager - ELECTRONICA FINANCE LTD. - Udaipur

(2022-06 - 2023-03)

• Developed corporate and industrial business for machinery finance and solar finance solutions.
• Managed client acquisition, business development, territory planning, and sales execution across the assigned market.
• Developed and maintained corporate and channel partner relationships to support sustained business opportunities.
• Leveraged market intelligence, negotiation, and relationship management capabilities to convert prospects and support strategic sales initiatives.

Independent Financial Advisory & Consulting - FINANCIAL CONSULTANT – FREELANCE - Udaipur

(2018-06 - 2022-05)

• Advised corporate, institutional, and MFI clients on Corporate Ratings, Bank Loan Ratings, MFI Ratings, and related financial solutions.
• Supported start-ups and SMEs with business growth strategy, SME Grading, funding, and financial advisory requirements.
• Provided advisory support covering credit ratings, acquisitions, business funding, CASA, and personal loans.
• Built client relationships across corporate and SME segments through solution-oriented financial advisory.

Senior Manager – Business Development - BRICKWORK RATINGS INDIA PVT. LTD. - Udaipur

(2017-07 - 2018-06)

• Developed and executed proactive business development campaigns for new client acquisition and existing account expansion.
• Used cold calling, referrals, lead follow-up, and account development strategies to generate new business opportunities.
• Conducted market, industry, and competitor analysis to support strategic business planning.
• Built and managed strategic partner and channel sales programs from planning through execution.

Manager – Business Development - ICRA LIMITED - Udaipur

(2010-04 - 2017-06)

• Partnered with national account teams to develop and execute sales and business development strategies across key markets.
• Developed new business through proactive campaigns, account development, cold calling, referrals, and customized client engagement strategies.
• Built strategic partnerships and coordinated with Analyst and Operations teams for delivery of Ratings & Grading solutions.
• Developed client-specific sales approaches based on business requirements, market conditions, and relationship opportunities.

Territory Sales In-charge - AMBICA HEALTHCARE PVT. LTD. - Udaipur

(2008-07 - 2010-02)

• Developed new business opportunities and executed territory-level market development and sales strategies.
• Built a new distribution channel from the ground up, establishing market coverage processes aligned with business objectives.
• Managed retailer and distributor relationships, including commercial negotiations and ongoing account development.
• Maintained sales records, inventory information, and MIS reporting to support territory management.

MBA - Marketing - IBSAR, Tilak Maharashtra University (2008)

PGDCA - Computer Science - Compucom, M.C.R.P.V. (2004)

Bachelor of Arts - Arts - S.B.P. College, M.L.S.U. (1999)