HARSHIT RAJANI

Experience

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  Citi -Financial, Mumbai

  Dec 2005 - Jan 2008

  Team Member & Team Manager

  Responsibilities: • Developed various channels in order to source customers. • Overachieved goals of the company without compromising ethical obligations to the customer or business. • Proficiency in the application of the statistical and probability studies using the collected data and then concluding with a logical decision. • Verifying the accuracy and thoroughness of the loan application along with other related documents. • Estimate and assess the financial status of the applicant and cross check this person with the help of the survey agents. • Redress the grievances of the customers regarding the loan processing and repayment schedule. Show less

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  Bharti-Axa Life Insurance Co. Ltd, Mumbai

  Jan 2008 - Jun 2009

  Agency Manager

  Responsibilities: • Identified, assessed and recruited life advisors on an ongoing basis to ensure an effective channel at all times. • Ensured that advisors undergo proper training on product, regulations and other selling inputs.• Led teams; chaired committees; initiated volunteer events and activities.• Reviewed and analyzed insurance applications and documents; expedited materials; evaluated and audited medical data.

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  Kotak Mahindra Bank, Mumbai

  Oct 2009 - Jan 2013

  Deputy Manager - Escalation Desk

  Responsibilities: • Handling Escalations of Correspondence Unit with a TAT of 24 hours, SLA of high 90's and act as a backup Manager – Correspondence Unit; to monitor the team of 15 for the Bank. • Identifying the Root Cause and following up till execution of remedial measures. • Regular interactions with other divisions to discuss and implement corrective actions on identified root causes. • Ensure adherence to quality standards & implement initiatives & techniques to maximize customer satisfaction. • Created a repository of response templates to ensure uniformity as well as a repository for MIS • Publish monthly team biz lets on the quality, quantity and statistical trend of complaints • Preparing MIS decks for presentation to the AVP and VP of the bank. • Creation of training material and sharing refresher information nuggets to the team • Continuous improvement focus – work towards reduction of customer complaints • Ensuring compliance with statutory requirements laid by acts governing banking regulations. Show less

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  IIFL Gold Loan, Mumbai

  Jan 2013 - Sept 2013

  Branch Manager

  Responsibilities: Playing a leading role in running a successful branch by making the right choices to deliver excellent results and achieve retail goals. Responsible for the profitability and maximization of Return on Capital Employed within the branch. Duties: Managing the portfolio for Gold Loan/financial business of branch. Handling all the branch level activities for ensuring business growth. Preparing reports related to branch functioning and its performance. Focusing on achieving customer acquisition,retention and cross sales of Home Loan & Mortgages with Insurance. Managing the daily activities of the branch. Enforcing the company policies, principles, and procedures and adherence to regulatory requirements. Enhancing awareness of the company branch and brand.Liaising with the Area Manager to develop innovative marketing strategies. Show less

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  ICICI Bank, Mumbai

  Sept 2013 - Jun 2015

  Branch Sales Manager

  While I was associated with ICICI Bank, Mumbai as the Branch Sales Manager, I hired and mentored Mortgage Loan Counsellors to achieve CRE’s strategy and further improved customer satisfaction, production and performance of the organization. I was awarded with ICICI Lombard award for the year 2015.Finalized the complete KYC process for dispatch to the regional processing center and following up with RPC to get the account activation for better client service. Handled all the outdoor activities with respect to creation of awareness, cross selling, presentations for HNI and UHNI societiesHandled a team of 12 sales officers for generating high ticket business for the Cluster. Handled the new customer acquisition through Alternate Channels- ATM, Online, Phone Banking; managed complete Banking sales of the cluster for Savings and current accounts and Priority Banking services. Show less

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  HDFC bank, Mumbai

  Jun 2015 - Dec 2015

  Manager

  I focused on improving and achieving aggressive deadlines while maintaining strong relationships with multiple departments. I led sales operations within the local market managing a team of 72 staff of DMAs. With an aim to constantly grow business in the local markets, I regulated sales targets individually and developed strategies to improve revenues and achieve goals of the organization.Throughout my association, I provided assistance for proposals and presentations and constantly provided necessary resources to the sales teams while directing loan pipeline from initiation to execution. Along with this, I led market research and competitor analysis and conducted functions of stakeholder communication including customers and business partners. Show less

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  Loan Click, Mumbai

  Mar 2016 - Jun 2021

  Founder

  Driving maximum value for clients while continually increasing customer retention and achieving account development goals within the growing customer base. • Acting as a key player in protecting the revenue growth engine while developing and executing effective account and portfolio level strategies • Managing acquisition targets, product financial performance, revenue performance, and expense management goals & oversee identification of opportunities and gaps plans • Serving as a trusted advisor with clients’ executives, by deeply understanding their business & aligning their needs to our solutions while providing proactive & consultative collaboration with clients and guidance, aligned with organisational business goals. • Driving client value propositions, positioning, segmentation, pricing, targeting, channel strategies, and competitive differentiation to achieve preferred status as a partner to Loan Click client • Developing product innovation roadmap and addressing fundamental trials of product commoditization to create an advanced set of solutions & managing external partnerships and/or vendor relationships, manage ongoing relationships, and prepare agreement• Worked as part of the sales team to assist in negotiating and closing channel deals. • Dexterously commanding and overseeing all aspects of program life cycle management including market demands, technology trends, and the competitive field as well as drive innovation by working with external partners/alliances to develop products, manage ongoing relationships, and prepare agreements • Instrumentally defining and launching new products, features, and capabilities including defining the product/feature and go-to-market strategy, and participate in technology development and market launch activities. Show less

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  Kotak Mahindra Bank

  Jul 2021 - Jul 2023

  Senior Manager

  Expert in managing product development lifecycles, utilizing technology-driven solutions & formulating strategic roadmapsExceptional knowledge of Financial Management, Strategic Initiatives, & Business Processes

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  HDFC Bank

  Aug 2023 - now

  Product Manager