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Rajat Kumar

Rajat Kumar

Summer Intern

Followers of Rajat Kumar4000 followers
location of Rajat KumarMumbai, Maharashtra, India

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  • Timeline

  • Skills

    Web services
    Core java
    Shell scripting
    Java
    Web applications
    Jsp
    Hibernate
    Pl/sql
    Mvc architecture
    Android sdk
    Redis
    Cassandra
    Hbase
    Jquery
    Spring framework
    Spring mvc
    Solr
    Javascript
    Mysql
    C
    Data structures
    Algorithms
    Android development
    Product management
    Portfolio management
    Process management
    Customer relations
    Sales management
    Banking
    People management
    Insurance
    Underwriting
    Team management
    Business analysis
    Vendor management
    Management
    Mis
    Customer service
    Relationship management
    Crm
    Operations management
    Financial services
    Outsourcing
    Risk management
    Business development
    Business strategy
    Analytics
    Market research
    Program management
    Team building
    Product development
    Sales
    Credit cards
    Retail banking
    Loans
    Cross selling
    Commercial banking
    Mergers and acquisitions
    Finance
    Market analysis
    Business relationship management
    Management information systems
    Customer relationship management
    Photoshop
    Cms
    Microsoft excel
    Mobile content
    Data processing
    Team leadership

  • About me

    Experienced in the domain of Banking and Financial Services delivery. Worked across domain of Product & Portfolio Management, Customer Service & Operation and Sales & Relationship Management. Specialized exposure into dealing with premium and HNI customer segment. Well conversed with Process Management, Audit & Compliance, Business Development, Team handling, Branch Management and Other crucial aspects of BFS Industry. Managed Insurance, Trade Finance, Commercial Banking, Credit Card, Consumer Durable Loans and Two Wheeler loan products. Specialties: * Product & Portfolio Management. * Customer service and Client Relationship Management. * Operation Management for Financial Service Industry. * People Management and Cross Vertical Relationship Management. * Sales & Distribution Management

  • Education

    • Jawahar High School

      1995 - 1998
      Matriculation Science,Economics,Maths

    • Babasaheb Bhimrao Ambedkar Bihar University

      2000 - 2004
      B.Sc. (Hons.) Zoology/Animal Biology

    • Xavier Institute of Management(XIM Bhubaneswar)

      2006 - 2008
      PGDM RM

      Activities and Societies: Core Committee member of X-Sys (System association of XIMB) Member of MAXIM (Marketing association of XIMB) Won online quizzes conducted by IIM-L, IIM-I, IIFT, NMIMS, and FSM.

    • H.P.S College, Madhepur

      1998 - 2000
      Intermediate Science

  • Experience

    • BASIX

      Apr 2007 - May 2007
      Summer Intern

      Managed and successfully completed the project for feasibility analysis of Microfinance business in Koderma & Hazaribagh district of Jharkhand.Responsibilities handled:Livelihood profiling of the target districts which includes 120 villages.Designed market entry strategy for the BASIX India Ltd also did tie up with local NGOs and volunteer organisations in the area.Designed and suggested product mix for the new markets.Recommended manpower distribution basis market potential.Managed a team of 12 field workers to get the project implemented. Key Achievement:BASIX has started its operation in the area on the basis of my findings and suggestions. The suggested markets have more than 40% share in the total portfolio size of Jharkhand business of BASIX. Show less

    • ICICI Prudential Life Insurance Company Limited

      Jul 2008 - Dec 2010
      Customer Service & Operation Manager

      Managed Customer Service & Operations for Ranchi Cluster.Managed 2 Hub branches and 5 Spoke (small) branches across 6 locations in Jharkhand.Handled a team of 23 people including 10 employees and 13 Outsourced Staff.Responsibility Managed:> Customer Service & Operations> Underwriting & Risk Mgmt.> Financial & Distribution Operations> Audit & Compliance Management> Cross sales & business development> Pre & Post sales service> Process Management> MIS Handling> Admin & Vendor Mgmt.> Cost Optimization Show less

    • Citi

      Dec 2010 - May 2012
      Assitant Manager-Commerical Banking

      Managing & Aquiring commercial banking (10-150 Cr. turn over) clients. Also looking after Business Lending, Trade, Forex sales & services.• Acquisition of commercial banking clients• Business Lending• Organising events and marketing campaigns • Creating new alliances for generating business leads

    • HDFC Bank

      May 2012 - Jan 2014
      Product Manager

      Managing Super Premium Credit Card (INFINIA & REGALIA) Product for HDFC Bank.• Developing acquisition strategy for Super Premium Cards through different bank verticals. • Product Management • Brand Management through franchisee offers and deliveries • Upgrading and maintaining Product features • Engagement Program on Portfolio • Creating opportunity and Campaigns in conjunction with all bank verticals. • Portfolio Programs to enhance spends and usgae of card• Managing and creating Alliances / Affinities • Work with Franchisee on Domestic & International Offers • Managing events etc for carded customers • Complete process review on all aspects • Creating new product extensions Show less

    • Home Credit India

      Feb 2014 - Feb 2016

      Managing asset based payment products> Two Wheeler loan product> Consumer durable loan productResponsible for new product design and developing a profitable product portfolio.

      • Senior Product Manager

        Apr 2015 - Feb 2016

      • Product Manager

        Feb 2014 - Mar 2015

    • Times Internet

      Feb 2016 - Dec 2016
      Product Head

      Launched co-branded Times Points Debit Card in association with HDFC Bank and Times Internet Ltd.

    • RBL Bank

      Dec 2016 - Jul 2020

      Managing un-secured business loan product and portfolio. Launched and managed Bajaj Finserv RBL Bank co-brand program.

      • Deputy Vice President, Un-secured Business Loan Products

        Dec 2018 - Jul 2020

      • Program Head, BFL RBL Co-brand Credit Card

        Dec 2016 - Nov 2018

    • HDFC Bank

      Jul 2020 - now
      Vice President- Commercial Payment Products

  • Licenses & Certifications

    • Lean Six Sigma Green Belt-Trained

      TQMI
      Oct 2015

    • CAIIB (Certified Associate of Indian Institute of Bankers)

      Indian Institute of Banking & Finance
      Feb 2014

    • JAIIB (Junior Associate of the Indian Institute of Bankers)

      Indian Institute of Banking & Finance
      May 2013

    • Fellowship in Insurance

      Insurance Institute of India
      Nov 2012

    • Associateship in Insurance-Life Insurance

      Insurance Institute of India
      May 2012

    • AMFI Mutual Fund Distributor module

      National Stock Exchange of India Ltd
      Jan 2011

    • Financial Market Beginer's Module

      National Stock Exchange of India Ltd.
      Jan 2011

    • Licentiate in Insurance-Life Insurance

      Insurance Institute of India
      May 2010

  • Honors & Awards

    • Awarded to Rajat Kumar
      Gold Star Award HDFC Bank Sep 2013

  • Volunteer Experience

    • Volunteer

      Issued by Dalit Vikas Vindu on Dec 2006
      Dalit Vikas VinduAssociated with Rajat Kumar

    • Volunteer

      Issued by Savera Foundation on May 2007
      Savera FoundationAssociated with Rajat Kumar