Himanshu Lal

Experience

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  Citigroup Global Services Limited

  May 2007 - Jul 2007

  Internship

  Working on Business Planning & Analysis with Financial Control Unit Got knowledge on the preparation of Monthly Financial Decks, gone through the preparation of major expenditure plans.Was involved in the monthly reviews and board presentation.Completed a benchmarking project for Citigroup which was organized by Ernst & Young only for captive BPO's

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  ESOP Direct - KP Corporate Solutions Ltd

  Nov 2007 - Nov 2008

  Executive Business Development
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  Mobikon Asia Pte. Ltd.

  Dec 2008 - Jan 2009

  Business Development Executive
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  TSYS

  May 2009 - Nov 2010

  Database Analyst
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  Star Union Dai-ichi Life Insurance Co. Ltd

  Dec 2010 - Nov 2011

  Pan India Regional Office Operations
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  Fino Payments Bank Ltd

  Nov 2011 - Dec 2014

  Project Manager

  I managed projects for specific clients with a focus on P&L statement. I spearheaded the development of detailed plans, ensuring execution, followed by meticulous monitoring and control at all project stages. Additionally, I initiated the launch of an e-governance project, specifically the Aadhar Enabled Payment System, and represented the organization in all backend processing activities. As the Single Point of Contact (SPOC) for external audits conducted by clients, I consistently facilitated clean audit reports. I played a pivotal role in renewing service level agreements with existing clients and contributed to defining project success criteria disseminated to stakeholders throughout the project life cycle. My contributions were recognized through nominations for Employee of the Month at Fino Payments Bank in April 2013. Furthermore, I played a key role in defining project scope, goals, and deliverables that aligned with business objectives, collaborating closely with senior management and stakeholders. Additionally, I created and designed associated communication documents and served as the process owner for processes named Samvaad and Device Cash in Hand. Show less

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  HDFC Bank

  Dec 2014 - Mar 2017

  Sales Manager

  I successfully generated revenue by selling Super Premium Cards to high-net-worth customers across branches and various business channels. Additionally, I expanded sales by cross-selling various Retail Assets products such as CASA, Loans, SmartPay, Insurance, and Forex Cards. I strategically installed helpdesks/kiosks in key corporates alongside the corporate salary team, effectively boosting sales numbers of Super Premium Cards to further penetrate the market. Moreover, I was engaged in managing sales, specifically in one of the largest and oldest branches of HDFC Bank in South Mumbai. I demonstrated exceptional performance, earning recognition through awards in two sales contests for Top Performing Sales Managers in December 2015 and June 2016. Moreover, I significantly increased the customer base by 50% through maintaining strong relationships and delivering excellent customer service to the managed portfolio customers of the branch. Show less

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  ICICI Bank

  Apr 2017 - Mar 2022

  In my previous role, I was responsible for managing relationships with two of the largest corporates in the ITES and BPO sectors. This involved acquiring new-to-bank customers for a range of financial products, including current accounts, working capital lending, bank guarantees, letters of credit, and derivatives. Moreover, I oversaw the renewal of existing limits across various financial instruments, from bank notes to setting limits. During my association, I managed the CBG portfolio of WNS Global Services Limited, overseeing a non-fund-based limit of Rs. 1250 million. Additionally, I handled the CBG portfolio of Datamatics Global Services Limited, managing both fund and non-fund-based limits totaling INR 800 million. Show less I managed retail credit card sales to salaried account holders in Mumbai's largest banking cluster, overseeing a team of 20 executives responsible for sourcing credit cards through the salary channel. My focus included closely monitoring DRR and ensuring monthly targets were met while providing regular updates to the Channel Head of the Salary Division. I employed various techniques, such as organizing corporate events, cold calling, and engaging existing customers to generate business.Notable achievements include augmenting revenue by 65% and market share by 75% through strategic cross-selling activities, developing sales plans leading to a 50% increase in overall sales and gross margin, and expanding the customer base by 60% through effective relationship management. Additionally, I implemented innovative selling techniques like ATM sourcing and strategic placement of sales executives at corporate entry and exit points while also collaborating with stakeholders to acquire technical and customer information for effective pitching of new business accounts. Show less

  • Senior Manager - Corporate Banking

    Aug 2019 - Mar 2022

  • Relationship Manager - Credit Cards

    Apr 2017 - Aug 2019
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  Axis Bank

  Jan 2022 - Dec 2023

  Senior Business Relationship Manager

  In my previous role, I was tasked with managing the largest portfolio in the West region, with a primary focus on both deepening existing relationships and acquiring new customers for commercial cards. This encompassed various types of commercial cards including purchase cards, travel and entertainment cards, purchase control cards, prefund cards, central travel account cards as well as GST and bill payment solutions. I undertook the responsibility of managing the existing portfolio of conglomerates and large corporate businesses, ensuring their needs were met effectively. I also handled pending compliances and achieved monthly spending and repayment targets, totaling Rs. 225 crores. Moreover, I managed the CLC portfolio of notable clients such as Parle Biscuits, Arcelor Mittal, TCS, Shriram Finance, Mahindra & Mahindra and IIFL, and others for commercial cards. Resolving customer queries promptly and effectively was a crucial part of my responsibilities, and I coordinated closely with the CLC Coverage team to secure new business opportunities for commercial cards. Furthermore, I managed all customer queries on TSYS CTL Prime, ensuring comprehensive and efficient resolution. Show less

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  Paytm

  Dec 2023 - Apr 2024

  Assistant General Manager

  In this role, I lead the sales strategy for commercial cards, consistently surpassing sales targets and driving revenue growth. I collaborate closely with the payment gateway team along with TASC team to understand the specific needs of taxation and SME clients, tailoring commercial card solutions to meet their requirements effectively. I ensure the seamless integration of commercial card solutions into Paytm's payment ecosystem, providing a frictionless experience for merchants in tandem with the Interdepartmental Channels. I actively generate leads through interdepartmental channels and the open market for Paytm HDFC Bank Co-branded commercial cards, contributing significantly to their success. I identify opportunities for business expansion and initiate targeted sales campaigns to capture new market segments by conducting thorough market research. Additionally, I successfully launched and promoted American Express commercial card solutions as a distribution partner. Through facilitating seamless collaboration between sales, TASC, and Payment Gateway teams, I continuously enhance overall operational efficiency. Show less

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  National Payments Corporation Of India (NPCI)

  May 2024 - now

  Lead - Relationship Management