Pradip Patil

To seek & undertake challenging assignments and responsibilities with an opportunity for growth and career advancement.

Classic Relationship Manager (Deputy Manager)- Branch banking at HDFC BANK (2022-12 – Present)

• Responsible for managing CASA value-growth
• Generated fee income from Retail Banking & Business Banking relationships
• Cross-selling the wealth management products to the clients (MF, LI, GI, CC, Locker)
• Acquired the high-value CASA relationships from within the group
• Increased the Customer to Group (CTG) & Product to Group (PTG) ratio in the book
• Deepening & Up-Selling on key CA-lead relationships to achieve Goal sheet targets across CASA Value, LI, MF, Locker, NTB Acquisition & other products
• Superlative client servicing standards & rigor in managing the relationship
• Thorough understanding of transactional and commercial banking products
• Seek references from existing clients to generate prospect list for New to Bank acquisition
• Focused on profile based cross sell of value-added products such as POS, Payment gateway solutions, doorstep banking, working capital / loan needs and family SA
• Understood and maintained details regarding nature of business and business model to extract existing and potential opportunities as well as any potential risks. Position our value proposition linking benefits to the customers key business requirement / issues
• Should be a team player and be able to work in cross-functional environment
• Followed the risk policies and processes prescribed within the bank for operational, regulatory, financial, informational, reputational and audit risks
• Ensured the processes are understood & the same is carried out in regular functioning, adhere to sales process & KYC norms of the bank.

Relationship officer - Branch banking at Kotak Mahindra bank (2020-12 – 2022-12)

• Handled customer service requirements like account opening, DMAT account opening, Life Insurance.
• Identified potential customers through databases, cold calling, follow up leads and telephone/personal contacts etc.
• Sold Personal finance products to the specified target customers/segments and meet monthly sales targets.
• Contacted potential customers and convince them about the bank’s product offerings.
• Ensured that the conclusions on all the business sourced on Telesales leads, should be reported to ARM/RM.
• Ensured that prospects are clearly communicated about the bank charges/terms and conditions.
• Ensured “Know Your Customer” requirements as prescribed by the bank are duly adhered to. All the legal and compliance guidelines provided by the bank are adhered to.
• Data confidentiality and secrecy norms of the bank are adhered to.
• Ensured that no customer application is misplaced and is kept in safe custody.
• Ensured that code of the conduct as per the bank bank’s policy are adhered to.
• Ensured that all the documents provided by the customer for completion the card applications are duly checked and forwarded to the relevant bank officers.
• Ensured that I did the documents original sighting as laid out in the original sighting guidelines of the KYC policy of the bank.
• Ensured that the sales process prescribed by the bank is fully adhered to.
• Verified that potential customers satisfy all criteria required of a desired customer profile as outlined by the bank.
• Derived insight to competitor’s sales activities and effectively report them to the Area Sales Manager/Relationship Manager.
• Ensured full awareness of all policies related to operational risk and misselling, etc & comply by the same.
• Maintained complete and detailed knowledge of all assigned products.
• Maintained accurate and up to date activity records.
• Maximized sales referral opportunities by working with customer service colleagues.
• Responsible for delivering service to customers that is synonymous with the consumer brand experience being promoted by the organization.
• Ensured performance as per the performance management criteria.
• Speed and efficiency of service given
• Sales targets for banks and investment products.
• Went beyond the professional need of the customer by providing other products.
• Cross-sale of asset products
• Relationship managers holding HNI relationship.

Sales Officer at HDFC BANK (2018-02 – 2020-03)

A Banking professional worked as an acquisition manager for cards having experience in client handling, KYC documentation for clients and client follow up in retail banking area.

• Acquisition & Deepening of Saving Account for the branch.
• As part of sales job, incumbent is required to do field work
• Cold calling. Incumbent was given leads from the bank for sourcing of accounts
• Simplified sales process with help of Biometric device. Minimal paperwork.
• Bank provided the lead where candidate had to meet and close the lead and source the Saving Accounts.
• Generated revenue through third party products (Assets)
• Assessed local market and identified current and prospective opportunities.
• Adhered to high ethical standards and comply with applicable regulations.
• Relationship Management with the Channels and Franchise for business development.
• Relationship Management with the Branch Employees and Manager of the bank at partner branches to increase the revenue.
• Key customer calls (Private Banking customers).
• Objection handling and aided sales process carried out by branch.

B.A – Shivaji University Kolhapur (2016)

12th – Shivaji University Kolhapur (2012)

10th – Shivaji University Kolhapur (2010)