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.
