Koshal Kasera

Results-driven Retail Banking Sales professional with 7+ years of experience across leading banking and financial services institutions, specializing in Branch Sales, CASA & Liability Management, Current Account Acquisition, Business Development, and Customer Relationship Management, with track record of driving business growth & sales performance. Strategic banking sales specialist with proven expertise in developing and executing customer acquisition, portfolio growth, cross-selling, and market expansion strategies across Current Accounts, CASA, Fixed Deposits, Retail Assets, Insurance, Credit Cards, Demat and other fee-based financial products. Business growth and portfolio management professional adept at identifying high-value opportunities, strengthening customer relationships, expanding banking portfolios and leveraging branch, referral, outbound and alternate channels to accelerate revenue generation, product penetration and customer lifecycle value.

Sales & Channel Management professional skilled in team leadership, target planning, performance monitoring, customer acquisition, liability mobilization, and financial product sales across competitive retail banking and financial markets.

Preferred Relationship Manager - HDFC BANK - Jaora

(2024-08)

• Manage a diversified portfolio of 900+ customer relationships / ₹35 Cr+ assets, driving CASA growth, relationship deepening, customer retention and revenue generation across retail, affluent, HNI and SME/business segments.
• Drive 125%+ achievement against assigned sales targets by developing customer acquisition and portfolio expansion strategies across CASA, Current Accounts, Fixed Deposits, Retail Assets, Insurance and other banking products.
• Accelerate portfolio penetration and customer wallet share through structured portfolio reviews, need-based financial advisory and cross-selling of 25+ banking & financial products.
• Acquire and onboard 90+ new-to-bank customers annually through referrals, market mapping, branch-led acquisition and relationship-driven business development, generating incremental business of ₹5 Cr+.
• Maintain a sales pipeline of ₹2 Cr+, managing opportunities end-to-end from prospecting and lead generation through conversion, onboarding and relationship development while collaborating with product, credit and operations teams.
• Consistently delivered 125% of assigned business targets & achieved Top 5 performer for sales performance, customer acquisition or portfolio growth.

Branch Sales Manager – Current Account - HDFC BANK - Pithampur

(2022-05 - 2024-08)

• Led branch-level Current Account and CASA business, managing a portfolio of ₹5-10 Cr+ and driving acquisition, activation, retention & portfolio expansion against business objectives.
• Managed a team of 3+ sales professionals, translating branch objectives into focused sales plans and driving 120%+ target achievement through structured performance management.
• Delivered 8+ new Current Account acquisitions per month through market mapping, referrals, cold calling, branch walk-ins and alternate acquisition channels, strengthening the branch liability franchise.
• Expanded customer wallet share through cross-selling of Fixed Deposits, Business Loans, Home Loans, Insurance, Credit Cards, Demat and other fee-based products, generating incremental business of ₹3 Cr+.
• Developed local market penetration and customer acquisition strategies, building a sustainable lead funnel of 15+ prospects/month while strengthening portfolio activation, relationship deepening and referral-led business.
• Monitored sales funnel, conversion ratios, team productivity and portfolio performance through structured MIS and performance reviews; partnered with operations, credit and product teams to ensure quality acquisition, seamless onboarding and compliance.

Assistant Manager – Sales (Current Account) - YES BANK - Ratlam, M.P.

(2020-11 - 2022-04)

• Drove CASA and Current Account acquisition across the assigned market, delivering 12%+ of monthly sales targets through structured prospecting, market development, referrals and relationship-led business development.
• Acquired 120+ new customer relationships and generated ₹4 Cr+ in CASA/liability balances, strengthening the branch's liability franchise and expanding the customer base.
• Increased customer wallet share through cross-selling of asset, liability, insurance and fee-based products, generating incremental revenue of ₹40 Lakhs+.
• Managed the complete sales lifecycle from lead generation and prospecting through conversion, onboarding, portfolio management and relationship deepening, maintaining a pipeline of qualified prospects.
• Developed customer-focused sales strategies based on market intelligence, customer segmentation and financial requirements, while ensuring strict adherence to KYC, SOPs, banking policies and regulatory requirements.

Relationship Officer – CASA - AU SMALL FINANCE BANK - Ratlam, M.P.

(2019-11 - 2020-07)

• Drove CASA and liability business development, acquiring 120+ new customers and generating ₹2.5 Cr+ in CASA/liability business through market mapping, referrals, corporate channels and relationship-led selling.
• Developed alternate acquisition channels beyond traditional branch sourcing, expanding market reach across high-potential customer segments.
• Analysed market trends, customer profiles and business targets to identify new opportunities, formulate focused sales strategies and strengthen customer acquisition.
• Strengthened customer relationships through need-based product positioning, portfolio deepening and cross-selling, while supporting accurate processing and documentation of loans and other financial services.

Assistant Manager – Sales (CASA) - AXIS BANK LTD. - Ratlam, M.P.

(2019-08 - 2019-11)

• Drove CASA and liability acquisition, securing 60+ new CASA relationships and generating liability balances through cold calling, market references, customer referrals & cross-selling.
• Expanded customer wallet share by positioning Life & Health Insurance and Mutual Fund SIPs, creating incremental fee-based business and strengthening relationship value.
• Identified customer needs and market opportunities to generate incremental business while ensuring a seamless customer onboarding experience through timely account opening and proactive coordination.
• Ensured 100% adherence to sales norms, SOPs, KYC requirements and banking processes, maintaining quality customer acquisition and compliant sales execution.

Assistant Sales Manager – TPD (Banca) - ADITYA BIRLA HEALTH INSURANCE CO. LTD. - Ratlam, M.P.

(2017-09 - 2019-07)

• Managed Bancassurance sales across the assigned territory, partnering with bank teams to drive health insurance acquisition, channel productivity and achievement of business targets.
• Built relationships with partner-bank leaders and channel stakeholders, developing qualified leads/month through referrals, customer engagement and channel-led business development.
• Achieved 200% of the assigned sales target in Apr'19, demonstrating exceptional sales execution, channel management, customer conversion and target achievement.

Sales Officer – Current Account - HDFC BANK LTD. - Ratlam, M.P.

(2016-04 - 2017-07)

• Drove acquisition of Current Accounts for Resident and Non-Resident Indian customers, acquiring new CASA/current account relationships through referrals, cold calling, catchment-area development and direct customer engagement.
• Expanded customer wallet share across Current Accounts, NRI Accounts, Demat, HSL, Credit Cards and Fixed Deposits, creating cross-selling opportunities across the customer base.

M.Com. - Vikram University, Ratlam, M.P. (2015)

B.Com. in Computer Application - Computer Application - Vikram University, Ratlam, M.P. (2013)