Kuldeep Singh

Experience

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  J K White Cement Co. Ltd

  Apr 2003 - Sept 2004

  Management Trainee

  Direct Sales: Responsible for direct sales to retailers from Distributors and C&F agents.Taking Marketing Decisions: Taking marketing decisions in a limited capacity regarding Pricing, Promotions and Channel Management: Managing the distributors network in existing markets and market expansion by appointing dealers in new markets.

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  ICICI Prudential Life Insurance Company Limited

  Oct 2004 - Oct 2010

  Sales Manager

  Responsible for generating Life Insurance business through on roll sales team by managing following levers.• Team Management and development: Handling Team of 15 AFSMs, SFSMs and KRMs, Imparting training (product, processes, underwriting, latest updates) time to time, Initial grooming of the new joiners in presentation & selling skills, conducting joint calls with sales team.• Lead Generation Campaign and Lead Management: Ensuring best utilization of leads received through different campaigns like Inbound, IBANK, S2S, Upsell, maintaining appointment and conversion ratios of team at desired level.• Business Analysis, Compliance and controls: Handling continuous business analysis in order to ensure monthly performance improvement and overall business growth. Ensuring that only good practices are being followed by the sales team and keep on having quality check on the regulatory requirements. Show less

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  IDBI Bank Ltd

  Feb 2011 - Mar 2016

  Asset Manager

  My job responsibilities at IDBI Bank includes handling Assets portfolio of the IDBI bank branch. I am responsible for appraising the loan proposals including business loans, working capital finance and retail structured loans. As an Asset Manager I assess the creditworthiness of the credit proposals, their risk attributes, risk mitigation, risk rating and pricing etc. Besides this, conducting trade finance related transactions for the customers.

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  IDBI Bank

  Apr 2017 - Dec 2018

  Business Development Manager

  • Credit Sanction - As a BDM at regional office of IDBI Bank, I was a member of credit sanctioning committee of asset business including business loans to MSE sector (working capital loans and term loans), retail consumer loans (mortgage loans, auto loan, education loan, personal loan) and all other priority and non priority sector lending. • Credit Monitoring - To ensure that the entire asset business portfolio of the branches in the region remains standard. To take corrective measures for the accounts appearing in different buckets of SMA accounts. To take steps to avoid slippage into NPA and to take remedial measures into the NPA accounts as per the bank’s guidelines.• Business expansion - Responsibilities as a BDM also included the growth of the Asset portfolio of the entire region as per the growth targets set by the bank. Show less

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  IDBI Bank Ltd

  Dec 2018 - now

  Branch Manager

  • Business book expansion – Ensuring stable growth of the Asset and Liability book of the branch as per the assigned target for the period. Maintaining the desired level of product mix, reducing the concentration risk in both the asset and liability business books.• Credit sanctioning and monitoring – Sanctioning of loan proposals including business loans, retial consumer loans. Monitoring of the existing loan book to ensure the portfolio remains standard.• Overall branch profitability - To ensure the growth in branch profitability by enhancing income through different parameters like NIM / distribution of TPD products / promoting other fee income based services rendered by the branch like trade finance services and optimizing the overhead and operational cost.• Business compliance – To ensure to meet and comply with all the regulatory as well as bank defined guidelines for branch banking to reduce operational risk. Show less