Dhiraj Bhatia

Experience

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  IDBI Bank

  Sept 2001 - Aug 2007

  Relationship Manager / Cluster Sales Manager - WB/Assam/Sikkim-Direct Sales

  Relationship Manager & Investment Advisor (Jan 2005 to Dec 2006)• Led the preferred customer cell for Park Street branch; managed sales, services, deepening and acquisition• Cross sold bank’s products and services to the existing and new HNW customers• Acted as an Investment Advisor to the HNW customers• Pivotal role in enhancing profitability of the branch by selling third party productsCluster Sales Manager – Liabilities of West Bengal / Sikkim / Assam (Sep 2001 to Dec 2004)• Spearheaded the Direct Sales team of the West Bengal, Sikkim and Assam Cluster• Recruited, trained, mentored and monitored sales team• Led the branch opening campaign of Brabourne Road, Khardah, Konnagar, Ranchi, Gariahat, Dumdum, Gangtok, Guwahati• Designed lucrative incentive structure for the sales team in line with the market trends• Conceptualized and formulated innovative marketing strategies and introduced promotional activities to maximize sales Show less

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  HDFC Bank

  Aug 2007 - Sept 2011

  Branch Head

  Branch Head - Charni Road branch (Dec 2009 to Sep 2011)• Led the retail branch operations • Successfully increased  Deposit base by 31% i.e., from INR 130 crores to INR 170 crores, in 18 months Business Banking (advances) by 63% i.e., from INR 55 crores to INR 90 crores Profits by 52% from INR 2.50 crores to INR 3.80 crores Branch Head - Chowpatty, Opera House branch (Aug 2007 to Dec 2009)• Led the retail branch operations and managed the deposit base of INR 62+ crores including CASA of INR 30 crores• Successfully increased  Deposit base by 106% i.e., from INR 30 crores to INR 62 crores, in 18 months and Profits by 81% • Branch honored with the Clash of Titan award for Q4 of 2007-08 for highest average growth in current account pan India Show less

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  Kotak Mahindra Bank

  Apr 2012 - Sept 2015

  Branch Manager

  Operations• Spearheaded retail branch of Parel ( GL of INR 100 crores + ) and New Marine Lines ( GL of INR 50 crores + )• Monitored the profit and loss of the branch and achieved yearly budgets• Ensured error free operations along with highest level of compliance and AML adherence • Monitored the day-to-day activities of the branchBusiness Development• Successfully achieved annual business plans across products including liabilities, third party products, assets, trade finance, business banking and also controlled OPEX• Monitored the branch sales targets, conceptualized and implemented competent strategies to increase new accounts and expand existing ones for a wide range of financial products and services • Successfully achieved annual business plans across products including liabilities, third party products, assets, trade finance, business banking and also controlled OPEX• Increased market share of the bank in the vicinity of the branch • Oversaw marketing, business channel development, team development, cost management and revenue generation Client Management• Provided advisory services to corporate and high net-worth customers on funds management • Fostered healthy relationships with key accounts Show less

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  ICICI Bank

  Sept 2015 - Oct 2018

  Chief Manager

  Operations• Spearheaded five retail branches in Mulund area, managed 50+ employees and coordinated with various stakeholders • Led the retail / wealth / private banking / corporate clients and successfully penetrated the real estate segment in Mulund • Conducted Eazypay Drive for the Thane regionBusiness Development• Successfully achieved annual business plans across products including liabilities, third party products, assets, trade finance, business banking and also controlled OPEX• Monitored the cluster sales targets, conceptualized and implemented competent strategies to increase new accounts and expanded existing ones for a wide range of financial products and services • Increased market share of the bank in the vicinity of the branch • Kept and maintained highest level of Compliance and AML adherence• Oversaw marketing, business channel development, team development, cost management and revenue generation Client Management• Provided advisory services to corporate and high net-worth customers on funds management • Fostered healthy relationships with key accounts • Actively penetrated in SES ( Self Employed Segment ) of Mulund area through Solutions ( CMS, Eazypay, etc ) & Business Loans ( Secured & Unsecured )• Closely worked with leading builders in Mulund area and catered to their funding, solutions and banking requirementsTraining & Development• Mentored eight employees in last one year and helped them to reach to the next level; also trained outbound team of approx. 100+ Sales Officers on Self Employed Segment Show less

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  App Solutions

  Oct 2018 - May 2019

  Co-founder
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  YES BANK

  May 2019 - Feb 2022

  Senior Branch Head - SME Branch
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  HDFC Bank

  Feb 2022 - now

  Product Lead - Alternate Banking Channel & Partnerships