Naresh Raval

Banking is not just my profession, it's my expertise. With 8 years of experience in retail banking, I currently serve as an Assistant Manager, focusing on loan solutions like Home Loan, LAP, Business Loan, CC & OD. I have a proven track record of achieving targets, building strong client relationships, and delivering customized financial solutions. I believe in result-driven work, smart decision-making, and long-term customer trust.

Experienced Relationship

Manager with a strong background in Home Loans (HL) and Loan Against Property (LAP), combined with successful team leadership and business growth. With 8 years in the banking and financial services industry, I've consistently delivered high performance in customer acquisition, credit evaluation, and loan disbursal.

Relationship Manager - Mount Nagrik Sahkari Bank Ltd

(2026-03)

Relationship Manager - IDFC FIRST BANK LTD

(2021-12 - 2026-03)

Experienced Relationship Manager with a strong background in Home Loans (HL) and Loan Against Property (LAP), combined with successful team leadership and business growth. With 8 years in the banking and financial services industry, I've consistently delivered high performance in customer acquisition, credit evaluation, and loan disbursal.

• Leading and mentoring a team of loan executives to achieve business targets.
• Deep knowledge of retail lending products, policies, and market trends.
• Handling end-to-end processes – from sourcing and documentation to disbursal and portfolio management.
• Building strong relationships with customers, builders, DSA channels, and internal teams (credit, legal, technical).
• Ensuring compliance with risk and audit standards while maintaining excellent customer service

Relationship Manager - Pahal Financial Services

(2021-02 - 2021-12)

• Built and maintained strong relationships with rural customers.
• Handled loan disbursement and recovery processes for cattle loans.
• Maintained strong customer relationships by providing end-to-end support from login to disbursement.
• Ensured portfolio quality through timely follow-ups, EMI collections, and delinquency control.
• Assessed borrower eligibility by conducting income assessment, business verification, and cattle shed visits.

Senior sales officer - HDFC BANK LTD

(2018-07 - 2021-02)

• Achieved monthly disbursement and collection targets consistently.
• Maintained customer data and daily MIS reports for management review.
• Maintained strong customer relationships to drive repeat business and ensure 100% repayment.

B.Com - Hemchandracharya North Gujarat University, Patan (2017)

XIIth - Gujarati (2014)

Xth - Gujarati (2012)