Vaibhav B. Email & Phone Number

Gurugram, Hr, In

Gurugram, Haryana, India

 Heading BBG Working Capital business for Manesar and nearby areas of Gurgaon as Cluster Head.  I with 5 Relationship Managers am responsible for: ✔ New Client Acquisition: Acquire new SME customers primarily for Working Capital, Business Loans and Trade Finance. ✔ Credit Appraisal Activities: Once a new customer is interested to bank with us we are responsible for:  Documentation & Pre-Sanction Formalities: Guiding customer for documentation and follow up for submission of those documents timely and completely.  Preparation of CAM: And presenting the case to Credit and Risk team for analysis and appraisal.  Sanction: Resolution of queries raised by Credit and Risk team for CAM approval and Deferral/Deviation waiver so that case is sanctioned timely.  Disbursement and Post Disbursement Formalities: Ensuring completion of requisite documents and formalities at each stage such pre disbursement, valuation, post disbursement etc.  Onboarding: Once case is disbursed, we ensure that customer is properly onboarded and guided through HDFC bank's processes, platforms, relationship team, escalation matrix etc so that he/she feels ease of banking with us. ✔ Portfolio Management: Management and servicing a portfolio of existing customers by providing credit and allied banking services. I personally manage CXO level relationships with important and big customers so that they are provided with best of the services in best of the TAT. ✔ Revenue Generation: Plan and monitor execution of strategies for generation of all Liability and asset Income, Trade Income, NII by offering business banking solutions and products with prime focus on Working Capital and Trade Forex. ✔ Housekeeping for Compliance Adherence: Ensure that the housekeeping activities such as CAM renewal, deferral/deviation closure, stock statement, insurance renewal, site visit etc are being done timely and properly so that we are adhering to compliance.

 In his last assignment Vaibhav led Kanpur, Jhansi & Etawah region as Regional Head Sales for Trade Finance, Forex & Business Banking since April 2021 where he has led his team to grow annual trade fee from 38.5 Mn to 65 Mn. Prior to this, he championed Ajmer region as Regional Head Sales for FY20 & FY21 where he led his team to grow the region from a type C location to type B equivalent by growing annual trade fee from 18 Mn to 39 Mn in 2 years.  Before that, he championed Ghaziabad region as Area Head for FY 17-18 and FY 18-19 where he led his team to grow annual trade fee of Ghaziabad from 19 Mn annually to 52 Mn annually in 2 years.  Leading a team of 10 Relationship Managers and 5 Trade Desk Managers responsible for: ✔ New Client Acquisition: Acquire new Current Account primarily for Foreign Trade and offer business banking solutions and products like Trade Services, Cash Management Services, Business Lending etc. ✔ Product Fitment / Solution Delivery: Understand customers business need and offer tailor made banking solutions to customers, Including LC, BG, PCFC, EBN, Supplier / Buyers Credit, Post Shipment Credit and Cash Management Services. ✔ Revenue Generation: Plan, execute and monitor strategies for generation of revenue for bank by offering business banking solutions and products like Trade Services, Cash Management Services, Business Lending etc. ✔ Relationship Management: Maintain CXO level relationships with SME clients with 50 cr to 1000 cr portfolio size to create business opportunities and important customers are provided with best of the services. ✔ Sales Team Productivity Management: Ensuring sales team Productivity on all Products and updating their knowledge on products through Trainings.✔ Compliance: Ensure that the processes are being adhered and transactions are done by following banking / government procedures and regulations. ✔ Seminars / Event Management: Organize and manage various events on Trade & Forex related subjects.

 Managed a portfolio of SME customers mainly those who are doing Export Import business.  Was responsible to increase portfolio numbers & value through external & internal sources.  Was responsible for managing day-to-day delivery of client service for a portfolio of high value corporate clients for Trade Finance Products (Inward-Outward Remittances, FDI, ODI, LC, BG, Documents on collection, PCFC, Buyer’s & Supplier’s Credit, Forwards, Options, Payment & Collection Solutions, Business Loans, General Insurance etc.) and earning fee income out of that.  Was accountable for the service and for building relationships with all the clients within the portfolio. Handling review service performance with clients and generates ways to continuously improve service delivery, maintain standards and generating revenues.  Checking for adherence periodically and takes appropriate actions to mitigate or escalate as necessary and maintaining the Bank's reputation. Building and maintaining internal networks and engaging RMs, Product and Operations Partners for input to client service issues, plans and reviews.

Master Of Business Administration - Mba, Banking & Fiannce

B.Sc, Mathematics