Ranjeet Kumar
Banking and insurance professional with 17 years of experience in branch management, portfolio growth, insurance operations, and customer relationship management
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About
Banking and insurance professional with 17 years of experience in branch management, portfolio growth, insurance operations, and customer relationship management. Proven expertise in leading teams, driving business development, and operational excellence. Seeking a strategic role to drive branch performance and contribute to organizational growth.
Experience
Branch Manager – Personal Loan (PL) - SMFG India Credit Co. Ltd. - Muzaffarpur Branch
(2026-01)
Headed the Personal Loan business for the branch with complete responsibility for sales, operations, credit, and collections performance.
- Drove branch profitability by achieving PL disbursement, login, conversion, and revenue targets on a monthly and quarterly basis.
- Managed and scaled DSA / Channel Partner network, including onboarding, productivity enhancement, and compliance monitoring.
- Led and motivated a team of Relationship Officers, Sales Executives, and Credit/Operations staff to deliver consistent performance.
- Ensured credit quality and portfolio health by adhering to company underwriting norms, risk policies, and fraud control measures.
- Monitored early delinquency, bounce trends, and collection efficiency, coordinating with collections team to maintain healthy PAR.
- Conducted local market analysis, competitor benchmarking, and promotional activities to increase branch visibility and sourcing.
- Maintained strict compliance with KYC, AML, audit, and regulatory guidelines as per company and RBI norms.
- Built strong relationships with DSAs, referral partners, corporate tie-ups, and local influencers to generate quality business.
- Handled customer escalations and service issues, ensuring high customer satisfaction and retention.
PVR RM Sr Manager - Anand Rathi Investment Services
(2025-11 - 2025-12)
Managed and developed High Net-Worth (HNI) and Ultra HNI clients under the Private Wealth / PVR segment, providing customized investment and wealth solutions.
- Acquired new HNI clients through references, market networking, and existing client base, ensuring steady growth in AUM and revenue.
- Offered advisory on Equity, Mutual Funds, PMS, AIF, Bonds, Structured Products, IPOs, and Alternate Investments as per client risk profile and financial goals.
- Conducted portfolio reviews, rebalancing, and performance tracking to optimize returns and manage risk.
- Ensured regulatory compliance, KYC, and documentation as per SEBI and company guidelines.
- Coordinated with research, product, and dealing teams for timely execution and superior client service.
- Built long-term client relationships by delivering trust-based advisory, regular market updates, and investment insights.
- Achieved assigned AUM, revenue, and cross-sell targets, contributing to overall branch and organization growth.
- Mentored junior RMs and supported team initiatives for business expansion.
Branch Manager - Bhagwanpur Chowk Branch - HDFC Bank Ltd - Bhagwanpur Chowk Branch
(2024-02 - 2025-08)
Managed branch operations, client portfolios, and team performance.
- Achieved 112 Cr in book size by driving high-value client engagement within 1 year.
- Grew book size to 42 Cr and GL size to 25 Cr.
- Led branch operations and grew GL size and customer base.
Branch Manager - Motipur Branch - HDFC Bank Ltd - Motipur Branch
(2023-03 - 2024-04)
Successfully launched a new Semi-Urban branch in April 2023.
- Achieved a milestone by securing 950 SB accounts with a higher variant and 252 CA within 1 year.
- Achieved the Branch break-even within 6 months of the branch launch.
- Drove a cross-sale of TPP Product with 1-year value of 1.2 Cr.
- Grew the Book Size to 62 Cr and the GL Size 37 Cr with large customer base.
Classic Relationship Manager - HDFC Bank Ltd - Club Road Mithanpura Branch
(2017-06 - 2023-03)
Managed Classic and Preferred portfolios with consistent business growth and milestone achievement, growing portfolio size by 37.5 Cr during the period.
- Provided financial planning, investment solutions, and regular portfolio reviews.
- Ensured adherence to all regulatory rules.
- Promoted from Classic Relationship Manager to Branch Manager.
Customer Care Executive Branch Ops Head - BAJAJ Allianz Life Insurance Co. Ltd.
(2008-10 - 2017-06)
Managed all insurance activities, including underwriting, claims, renewals, and MIS.
- Handled consultant licensing and commission management.
Education
B.C.A. - Bachelor of Computer Applications - LS College Muzaffarpur (2006-01)
Intermediate - 12th - LNT College Muzaffarpur (2001-01)
Matriculation - 10th - RKS High School Karja (1999-04)
