Sandeep Singh

Experienced Banking & Mortgage Sales Professional with 10 years of expertise in Home Loans (HL), Loan Against Property (LAP), Mortgage Lending, SME Loans, Agri Business, Secured Lending, Branch Operations, and Team Management. Proven experience in leading sales teams, driving business through DSA, Open Market, Builder & Connector Channels, and consistently achieving business targets. Skilled in portfolio expansion, customer acquisition, relationship management, credit coordination, and end-to-end loan processing.

Worked with leading organizations including HDB Financial Services, YES BANK, DCB Bank, IDFC FIRST Bank, HDFC Bank, and IndusInd Bank.

Branch Manager – Mortgage / LAP at HDB Financial Services Ltd. (2025-03 – Present)

• Heading the Branch Mortgage Business for Ludhiana Cluster.
• Managing and mentoring the Mortgage Sales Team.
• Driving Loan Against Property (LAP), Secured & Unsecured Loan business.
• Generating business through DSA, Open Market, Builders and Channel Partners.
• Expanding the branch portfolio while maintaining asset quality.
• Monitoring daily sales activities and business performance.
• Building strong relationships with DSAs, customers and business associates.
• Ensuring achievement of monthly and quarterly business targets.
• Coordinating with Credit, Operations and Legal teams for smooth loan disbursement.

Sales Manager – Assets Desk Manager at YES BANK Ltd. (2024-09 – 2025-03)

• Managed a team of Sales Officers.
• Generated business of Home Loan, LAP, Working Capital, Business Loan, Auto Loan, Agri Business, Vehicle loan.
• Handled cross-selling of Banking and Insurance products.
• Developed new business through customer references and market sourcing.
• Built strong relationships with customers and internal stakeholders.
• Ensured achievement of monthly sales targets.
• Supported branch business growth and customer servicing.
• Managing sales and exiting portfolio of Ludhiana outer, Malerkotla, Jagraon, Nabha, Morinda, Samrala, Kurali, Noor Mahal branches.

Sales Manager – Mortgage & SME at DCB Bank Ltd. (2022-12 – 2024-09)

• Managed Home Loan, Loan Against Property and SME Loan business.
• Sourced business through DSA, Builders, Connectors and Open Market.
• Acquired new customers while maintaining existing relationships.
• Coordinated with Credit and Operations for faster loan processing.
• Achieved business targets and maintained healthy portfolio quality.
• Increased branch business through strategic sourcing initiatives.
• Managing sales and exiting portfolio of Ludhiana city and Malerkotla, Jagraon, Sangrur branches.

Relationship Manager – Agri Lending at IDFC FIRST Bank Ltd. (2021-05 – 2022-11)

• Source new customer of Agri limit.
• Generated business through open market and reference bases.
• Handled customer acquisition and end-to-end file processing.
• Coordinated documentation, login and disbursement activities.
• Built long-term customer relationships and ensured service excellence.
• Achieved monthly business and revenue targets.
• Handling the team of Sales officers and four branches of Ludhiana city.

Relationship Manager – KGC/ SAB at HDFC Bank Ltd. (2018-04 – 2021-05)

• Generated KGC, CC, OD and Loan Against Property business.
• Sourced customers through Direct Sales, DSA and Referral Channels.
• Managed customer relationship throughout the loan lifecycle.
• Coordinated with internal departments for smooth loan approval.
• Achieved assigned sales and business targets.
• Handling the team of Sales officers.

Assistant Manager at IndusInd Bank Ltd. (2016-05 – 2018-03)

• Managed retail and asset business and customer acquisition.
• Developed business through field sales activities.
• Generated leads of LI, HI, GI and Retail business.
• Built relationships with customers and channel partners.
• Assisted in achieving branch business objectives.
• Branch operation and all branch audit.
• Maintain daily reports of BOD/ EOD/RTGS/NEFT.

B.Sc. in IT – Punjab Technical University (2015)

Higher Secondary – PSEB, Mohali (2008)

Secondary – PSEB, Mohali (2007)