NARAYAN BHARDWAJ

Correspondence Address:

8/117-D, New Lawyers Colony

Near J D Public School,
Agra - 282005
U.P., India.

E-Mail: narayan.bhardwaj@rediffmail.com Mobile

No: +91 – 9999740078

Seeking a managerial assignments in Business Banking- Working Capital Finance / SME

Lending Assets / Portfolio Management, Team Management.
Sector Preference: Banking / NBFC / Financial Services.
Location Preference: Agra /Delhi/Noida/Greater Noida/Ghaziabad.

Professional Synopsis:

 Result oriented successful professional with over 11 years’ experience in

Relationship Management, Sales, Business development, Team Management, Account
Management, Client Servicing etc. in Business Banking, Commercial Banking and
Retail Branch Banking department with focus on top line profitability while
ensuring optimal utilization of resources in banking sector.
 Presently associated with Yes Bank Ltd., Agra as a Relationship Manager
(Senior Manager) in Medium Enterprises Banking (MEB).
 Comprehensive experience in generating new business and portfolio management,
entailing business development & cross selling of an array of banking products for
maximizing account profitability.
 Adept in interfacing with existing as well as prospective clients for
understanding their requirements & suggesting the most viable solution as well as
cultivating relations with them for customer retention & securing of repeats
business, managing key SME clients and dealing with various trade products.
 Expertise in handling gamut of business banking products like Overdraft, Cash
Credit, WCDL, Term Loan, Trade products like LC, BG, LCBD, PCFC etc.

PROFESSIONAL EXPERIENCE:

Experience (1): Presently working with Yes Bank Ltd., Agra as Relationship Manager
(Senior Manager) in Medium Enterprises Banking (MEB) department since 28th Dec.
2015.

Deliverables:

 Functioning as the owner of the pure Assets book of ~INR 1500.00 MM

designated of Mid Corporates turnover ranging from INR 1000.00 MM to INR 5000.00
MM.
 Handling territory of Agra, Gwalior & Jhansi and responsible for attaining
the revenue targets from existing MEB customers as well as acquisition of new
Assets based relationships having turnover more than INR 1000 MM.
 Responsible for generating Fee Income through new business development by
acquisition of high value working capital fund based asset products like Overdraft,
Cash Credit, WCDL, Term Loan etc. and Non fund based Trade products like LC, BG,
LCBD, PCFC with good understanding of the credit processes.
 Focus on offering financial solutions for their working capital requirements,
cash management and trade financing. Maintain highest portfolio quality by
proactive account management and early alert process.
 Responsible for financial statements analysis, preparation of Credit Approval
Memorandum (CAM) and their discussion with Risk Dept., documentation & post-
sanction monitoring through periodic account review/renewal.
 Manage the existing loan portfolio to ensure establishment of appropriate
account plans, recommend credit facilities in line with Bank credit policy to
maximize earnings while containing risks to an acceptable levels.

Experience (2): HDFC Bank Ltd., Sikandrabad - From May-2014 to Dec-2015 as “Back-
up Branch Manager” (Grade- Manager) in to Retail Branch Banking.

Deliverables:
• Responsible for management of day to day operations for the branch.
• Reviewing all critical reports and monitor LTR and suspicious transaction
reporting, fraud control etc.
• Generating business through walk-in customers and referrals from existing
customers.
• Cluster champion for Service Quality Audit and responsible of service quality
Audit in Cluster.
• Customer complaints management (CRM) and ensuring resolution of all
complaints within TAT.
• New accounts opening form checking & verifying KYC & audit –
compliance\Retention of accounts.
• Management of CRM & focus on zero FTNR, Processing of Internal audit Reports
& Key risks Indicator.
• Branch administration and lobby management and strict adherence of audit and
compliance.
• Creating and sustaining a dynamic environment that fosters career development
opportunities and motivates high performance amongst team.
Experience (2.1): HDFC Bank Ltd., Greater Noida - From March-2011 to May-2014 as
“Personal Banker” (Grade- Deputy Manager) in to Retail Branch Banking.

Experience (3): ING Vysya Bank Ltd., Vasant Vihar, Delhi - From Dec. 2009 to March
2011 as Customer Care Manager into Retail Branch Banking.

Deliverables:
• Responsible for management of day to day operations for the branch and
servicing walk-in customers of the bank.
• Generating business through walk-in customers and referrals from existing
customers.
• Responsible for monthly corporate salaries processing and maintaining salary
accounts.
• Handling Electronic clearing mandates & their updation, DD/PO Issuance, Term
Deposits / Fund transfer processing etc.
• Customer complaints management and ensuring resolution of all complaints
within TAT.

Experience (4): Kotak Mahindra Bank Ltd. Noida- From Dec. 2007 to May 2009 as
“Assistant Manager” into Retail Liabilities.
• Accretion of Retail liabilities products like CASA - Current Accounts, Saving
Account, Insurance, FDs, D-Mat Accounts, & Investment products etc.

Experience (5): Sharekhan Limited, Delhi, From April 2007 to Dec.-2007 as

“Assistant Manager-Sales”.

• Acquisition of New Clients and selling online & offline D-Mat account, PMS, &
other financial products.
• Handling a team of 08 – 10 Sales executives.

ACADEMIC PROJECTS:

Successfully completed a project report analysis during MBA on “Feasibility Study

of Cold Storage Funding” by Rural Micro Banking & Agri Business Group”(RMAG) at
ICICI Bank Ltd. Agra.

Work Assigned & Responsibilities:

• Suppose to meet the owner’s of Cold storages, warehouses and collect the
information from them regarding their fund management for their business, from
various resources.
• To educate the Cold storages owners regarding the various funding products of
Rural Micro Banking & Agri Business Group (RMAG) of ICICI Bank Ltd.

PROFESSIONAL QUALIFICATION:

Course College/University %age Year Completed

M. B. A. (Finance & Marketing) Hindustan Institute of Management &

Computer Studies, Mathura, U.P. (Sharda Group), (U.P. Technical University,
Lucknow) 62% 2005 - 07

B.Com.
Dr. B. R. Ambedkar University, Agra
70%
2002 - 05

PERSONAL DETAILS:

Father’s Name : Mr. Dinesh Bhardwaj

Date of Birth : 8th January 1986
Sex : Male.
Marital Status : Married.
Language Known : English & Hindi.
Nationality : Indian
Category : General
Hobbies : Playing & watching Cricket, Interacting with people & making
Friends, Listening to Hindi Songs.

REFERENCES:

• Mr. Tribhuwan Sharma, Zonal Head, RBL Bank Ltd., Kohlapur, Maharashtra.
Contact No: +91- 7838987700. E-mail: tribhuwan.sharma@gmail.com

• Mr. Vishal Vaibhav, Vice president- Micro Enterprises Banking, Yes Bank
Ltd. , Delhi.
Contact No: +91- 9919656644 E-mail: vishal.vaibhav@yesbank.in

Date:
Place:

(NarayaN BhardwaJ)