 Vaibhav is currently heading Business Banking Working Capital business of HDFC Bank for Manesar and nearby areas of Gurgaon as Cluster Head since Sep 2022.  Prior to this he was working with ICICI Bank for 10 years which was his first job.  In ICICI he championed SME Trade & Forex Business as Regional Head Sales for Ghaziabad and Ajmer region for 2 years each and for Kanpur region for 1 year.  In each region he headed, he led his team to double revenue within 1-2 years.  He follows leadership style of a COACH and believes in leading by example.  He earned leadership role with just 4.5 years of experience in ICICI Bank.  He has an overall experience of >11.5 years with 6.5 years of experience at leadership role.  He was rated with the best performance appraisal rating of 1 continuously for last 6 years in ICICI.  He has keen business acumen in analyzing and understanding business requirements, customer-value maximization and developing new business processes.  He has a solution-oriented approach with excellent relationship management skills, successfully and consistently delivering the responsibilities of Revenue Management, Profitability, Market Share and Customer Satisfaction.  He is a dynamic & result oriented business development and sales professional with > 11.5 years of cross-functional exposure to the entire spectrum of Business Banking, Business Loans, Working Capital, Trade Finance and Forex which includes Business Development, Client Servicing & Management.  He also possesses excellent functional knowledge on credit analysis and credit appraisal related to business/corporate finance facilities such as working capital, Overdraft, Cash Credit, Export Finance, Term Loan, Letter of Credit, Bank Guarantee, Pre Shipment & Post Shipment Finance.  He also possesses vast experience and knowledge on International Trade Transactions which includes Inward-Outward Remittances, Letter of Credit (LC), Bank Guarantee (BG), Documents on collection, Packing Credit, Buyer’s & Supplier’s Credit etc.  He also possesses expertise on capital account transactions and non-trade remittances such as Foreign Direct Investment (FDI), Overseas Direct Investment (ODI), External Commercial borrowing (ECB), Transfer of Shares b/w Resident and Non-Resident etc. and relevant reporting & tracking of FC-GPR, FC-TRS, ODI, ECB forms etc.  He is also well versed with RBI Circulars, FEMA, UCP 600, URC 522 and other relevant guidelines for trade finance and cross border remittances.