IPSITATAMBAT Pune

+91-9644282777
AREAMANAGER
[email protected]

Personal Profile Executive Summary

Accomplished MBA professional with 9+  Skilled in developing and implementing pricing strategies for retail assets to
years of experience in the Finance remain competitive in the market while ensuring profitability and risk management
sector, targeting challenging roles in  Expert in ensuring strict compliance with relevant banking regulations, laws, and
dynamic organizations to leverage expertise in industrystandardsconcerningretailassetmanagementandcustomerdataprotection
Retail Assets, Sales, Credit, and  Currently excelling as an Area Manager at HDFC Bank, leading a team of 15
Commercial operations for driving Relationship Managers and steering business for all banking products such as
business growth and achieving CASA, Fixed Deposit, Personal loan, Business loan, Housing Loan, lap,
exceptional results. Education loans, Credit Card, Auto loans, and Gold loans
 Achieved significant milestones in the current role, including consistently exceeding
Open to opportunities across various
targets, conducting compliance audits, and presenting monthly MIS reports to
functional areas and industries
senior management
 Resourceful in overseeing the bank's retail asset portfolio, ensuring proper
Education allocation, diversification, and optimization to achieve strategic objectives
 Proficient in corporate training and adept at managing various aspects of
management activities, showcasing strong leadership and interpersonal skills
 Experiencedinanalyzingkeyperformanceindicators(KPIs)suchasdelinquency
 Strategic Management from IIM– rates, default rates, and profitability metrics
Kashipur.
 MBA in Marketing & Finance, ICFAI
Work Experience
Business School, Pune, 2005
 Bachelor in Commerce Account Honors,
Ravenshaw College, Utkal University, Jun’23–Present | Area Manager| HDFC Bank
2002 Key Result Areas:
 Leading a team of 15 Relationship Managers in virtual relationship management,
driving business for various banking products and ensuring efficient operations
Technical Skills
 Conducting financial analysis of the properties to evaluate their performance,
identify trends, and make strategic decisions to improve revenue, reduce expenses,
and increase overall profitability
 Financial Analysis and Modeling  Achieving score card targets for the assigned portfolio on a monthly basis,
monitoring individual performance, and providing necessary training and support
 Credit Risk Assessment  Conducting compliance audits related to sales, credits, policies, and processes,
 Microsoft Office Suite(Excel, ensuring adherence to organizational guidelines and industry regulations
PowerPoint, Word)  Preparing and presenting monthly MIS reports to senior management, capturing
sales, credit base, savings, and on-time closures, providing valuable insights for
decision-making
Core Competencies  Monitoring the credit quality of the retail asset portfolio, identifying potential risks
and developing strategies to mitigate them
 Implementing risk management practices to ensure compliance with regulatory
requirements and internal policies
 Retail Asset Management  Regularly assessing the performance of retail assets, identifying opportunities for
 Sales and Business Development improvement and growth
 Relationship Management
 Team Leadership and Motivation Aug’22–Jun’23|AreaHead(West Zone)|Shriram Life Insurance Key
Result Areas:
 Strategic Planning and Execution
 Credit Analysis and Risk Management  Managed a team of 10 Relationship Managers across regions in Rest of
Maharashtra, Rajasthan, Mumbai, Gujarat, overseeing sales and business
 Financial Planning and Advisory
development initiatives
 Customer Service Excellence  Built and maintained strong relationships with stake holders, ensuring the delivery
 Training and Development Initiatives of quality services and adherence to quality norms and industry standards
 Compliance Audits and Process  Consistently achieved100%business targets and maintained 70% productivity every
Improvement month, showcasing exceptional leadership and performance management skills
 Stake holder
Sept’21–Jul’22|AreaBusinessManager|HiranandaniFinancialServices Key
Engagement and
Result Areas:
Communication
 Administered business loans in the Pune location, leading a team of 5
Relationship Managers and
overseeing sales, credit analysis,
and risk management activities
  Ensured minimum TAT with quality logins and adherence to check lists, resulting in
a smooth flow in the system and streamlined operations
 Successfully disbursed an average of 10 loans per month with an average ticket size
Membership
of INR 500 thousand, show casing strong business development & credit analysis
skills
 Received an increment with a rating of "Fully Meets Expectations," reflecting
Active member in “Jobs for Her” as
exceptional performance and contributions to the organization
Ambassador to group. Achieved the
Champion Ambassador for Quarter January-
Feb’20–Sept’21|ShriRam Life Insurance Company Limited, Pune | Sr. Relationship
March 2018
Manager - Digital Business
Significant Accomplishments:
 Successfully acquired business through digital platforms, demonstrating expertise in
Certifications
digital business development
 Establishedstrategictie-upswithmanagementcollegesforstudentinternships,
 IRDAI Certificate Holder contributing to talent development and fostering industry-academia collaboration
 Promoted to Senior Relationship Manager within a year, recognizing exceptional
 Credit Training Certificate performance and leadership abilities
from CitiFinancial
 Secured tie-ups with top management institutes in Maharashtra through MOUs,
strengthening the company's market presence
PersonalDetails  Consistently exceeded targets in terms of NOP(New Office Premium) and
(Annualized Premium Equivalent), resulting in consistent recognition on the Leaders
Board
 Address: "Shree Sadguru Kripa," Plot  Became the first female RM and top RM PAN India to achieve the annual target in
No25,Shejwal Park LaneNo3,Chandan just 7 months
Nagar Kharadi Road, Pune 400014,
Maharashtra Jul’18–Jan’20|Gromor Finance, Pune| Sales Manager Significant
 Languages Known : English, Accomplishments:
Hindi, Marathi and Oriya  Complied with compliance regulations, policies, guidelines, and procedures for
approving loans, ensuring adherence to industry standards
 Built trust with loan applicants through a sincere and knowledgeable approach,
leading to higher-level sales conversion and approval rates
 Consistently delivered outstanding sales performance, contributing to the overall
success of the organization

Dec’06–Oct’08|DBSCholamandalamFinanceLtd., Pune| Branch Credit Manager

Significant Accomplishments:
 Managed personal loans, small-ticket mortgage loans, and life insurance, overseeing
a team of 24 personnel
 Executed strategies to improve branch operations, credit management, and
collections, ensuring high standards of service and customer satisfaction
 PromotedtoBranchCreditManagerwithAreaCreditManagerlevelauthority,
demonstrating exceptional performance and leadership capabilities
 Established a tele-calling unit in the Pune branch, enhancing customer engagement
and lead generation
 ImplementedanexclusivesalesstrategyapprovedbytheNationalSalesManager,
resulting in increased sales and revenue

Sept’06 – Dec’06| ICICI Lombard General Insurance Company Ltd., Navi-Mumbai |

Unit Sales Manager - Retail and Bank Assurance Department
Significant Accomplishments:
 Consistently achieved 120%-150% of monthly targets, showcasing exceptional sales
performance
 Appointed as Location Trainer for the entire Navi – Mumbai SCG (Sales, Credit, and
Growth) Channel of ICICI Bank
May’05 – Jun’06| CitiFinancial Consumer Finance India Ltd., Pune | Personal Loan
Officer
Significant Accomplishments:
 Conducted soft-core marketing of TATA AIG Life Insurance products, contributing to
increased sales and profitability
 Consistently achieved120% of sales targets, demonstrating exceptional performance
and dedication
 Awarded a certificate for credit basics of personal loans