JITENDRA NAGINDAS CHAUHAN
Result-oriented professional with a proven record of achievement in conceiving &
implementing effective ideas; targeting top level assignments in Sales & Business
Development in Retail and Branch Banking sector with a leading organization of
repute preferably in Mumbai
Profile Summary
Dynamic career of nearly 26 years that reflects rich experience & year-on-year success in Business Development, Strategic
Planning, Product Promotion & Launches, ROI Accountability and Team Management.
Proven track record in managing and growing home loan and mortgage loan portfolios, implementing action plans, and
achieving sales targets through various channels while maintaining high ethical standards.
Resourceful in developing & implementing sales & marketing strategies with focus on increasing sales volumes,
account base and profits
Demonstrated ability to oversee branch operations, ensuring regulatory compliance, superior customer service, and
efficient management of assets and liabilities, leading to enhanced operational efficiency and profitability.
Exhibited excellence in formulating and implementing Business Development strategies with hands-on experience
in devising business plans for driving customer level profitability
Expertise in credit appraisal, risk assessment, and NPA management, ensuring the development of a healthy asset
portfolio and mitigating potential financial risks through diligent evaluation and proactive recovery strategies.
Gained overall experience in new business acquisition, leveraging expertise across Banking industry; hands-on
knowledge of various products specially Loans
Expertise in analysing market trends to provide critical inputs for business development initiatives and formulation of
selling and marketing strategies
Interfaced with clients, suggested viable products & solutions, cultivated relations with them for securing repeat business
and ensured quality delivery of products to the clients; promoting sales in SME segment
Adept at recruiting, training, and leading high-performing teams, fostering a collaborative work environment, and driving
performance excellence to achieve organizational goals and objectives.
A forward thinking person with strong communication, analytical & organizational skills; well organized with a track
record that demonstrates self-motivation & creativity to achieve corporate & personal goals
Notable Accomplishments Across the Career:
Consistently met monthly targets and excelled in implementing business strategies through effective cross-selling,
earning multiple certificates and commendations for outstanding performance.
Core Competencies
Business Development & Growth Sales Management/ Cross-selling Profitability & Revenue Management
Strategic Planning and Execution Customer Relationship Management Risk Management and Credit Appraisal
Portfolio Management Branch/ Loan Management Team Management & Leadership
Work Experience
Assistant General Manager at IDBI Bank Limited (August 2023 to Present) - Retail Assets: Home Loans / Mortgage
Loans
Growth Path:
Assistant General Manager, IDBI Bank Limited | August 2023 - Present
Assistant General Manager, IDBI Bank Limited | June 2022 - July 2023
Manager, IDBI Bank Limited | July 2018 - May 2022
Branch Head, IDBI Bank Limited
o Ghatkopar Branch: May 2017 - June 2018
o Titwala Branch: September 2013 - April 2017
o Mahad Branch: January 2012 - August 2013
Strategic Sales Leadership:
Key Result Areas:
Developing and implementing business strategies and improvement methodologies in process; ensuring streamlined business
operations at the branch
Exploring business potential, opportunities & clientele to secure profitable business volumes by networking with prospective
clients, generating business from existing accounts and achieving profitability
Conducting property visits and provided continuous feedback to the Regional Head on market dynamics, competition analysis,
and customer feedback.
Building & maintaining relationship with new clients; supporting the improvement of new business & retention of customers to
achieve operational goals & key performance indicators while keeping in view the profitability
Managing a team of Home Loan Advisors (HLA), Direct Sales Agents (DSA), and Direct Sales Teams (DST) and ensuring to achieve
target on monthly basis; enrolling the ‘Business Associates’ from different fields
Developing portfolio of clients with a strong emphasis on a high quality portfolio and effective risk management; ensuring all
compliance and bank guidelines are met and maintaining acceptable portfolio quality
Rendering sustained services to clients for high ROI, increasing retention level by achieving quality norms; tracking customer
complaints and resolving escalated grievances on a day-to-day basis
Ensuring adherence to the client contract, providing financial recommendations to enhance profitability of each client
Analysing customer requirements, offering the suitable product, obtaining information for loan applications, collecting documents
and assisting the customer during the complete loan cycle
Maintaining contact with potential customers for developing leads, direct sales & cross-selling products; enhancing business by
developing client base by identifying business opportunities to generate revenue
Delivering product presentations and executing sales initiatives to update customers with the new products/services or product
enhancements for market development & brand visibility
Collaborating with top management for providing customers seamless access to all products and services of organization
Identifying and mitigating organization wide risks; implementing corrective action plans for process improvement by setting
team level strategic action plans and operational standards
Monitoring performance of Relationship Managers and Sales Executives across all branches, generating various
performance evaluation MIS
Assistant General Manager at IDBI Bank Limited (June 2022 to July 2023) - Retail Assets: Home Loans / Mortgage
Loans
Credit Risk Management:
Conducted meticulous geographical limit checks and identified negative areas for each center during local meetings.
Appraised loan cases in strict accordance with product paper guidelines, ensuring compliance and risk mitigation.
Maintained and monitored turnaround times (TAT) for loan processing, ensuring timely service delivery.
Verified Financial Investigation (FI) reports, documents, and legal opinions, ensuring alignment with legal checklists.
Engaged with legal, technical, and FI teams to verify technical reports and ensure comprehensive risk assessment.
Resolved customer complaints efficiently, maintaining high levels of customer satisfaction.
Managed MIS maintenance and vendor bill verification processes, ensuring accuracy and efficiency.
Conducted detailed log-in, rejection, and delinquency analysis, and reviewed technical and legal vendor documentation, cross-
verification, and TAT analysis.
Manager at IDBI Bank Limited (July 2018 to May 2022) - Retail Assets: Home Loans / Mortgage Loans
Sales and Business Development:
Implemented action plans to achieve sales targets set by the Regional Head, ensuring alignment with strategic objectives.
Ensured business sourcing through multiple channels while adhering to ethical delivery standards.
Directed the appointment, training, and driving of HLAs, DSAs, and DSTs, fostering a high-performance sales environment.
Manager at IDBI Bank Limited (Branch Head at Various Branches from January 2012 to June 2018)
Branch Management and Operations:
Monitored and focused on the overall business growth of the branch, achieving targets in liabilities, PSL, advances, and fee
income.
Devised and executed strategic plans for branch profitability, maintaining strong contacts with HNI clients, government officials,
and other stakeholders.
Supervised branch operations to ensure regulatory compliance, high customer service standards, and timely service delivery.
Previous Work Experience
Assistant Manager at IDBI Bank Limited (Relationship Manager at Ambernath Branch from December 2007 to
December 2011)
Customer Relationship and Sales Management:
Developed action plans in consultation with the branch head, ensuring individual and branch liability targets were met.
Sourced new customers through individual efforts and sourcing channels, enhancing the branch's customer base.
TSE/CSE at IDBI Bank Limited (November 1998 to November 2007)
Customer Service and Operations:
Provided exceptional customer service in a friendly and courteous manner, ensuring high levels of customer satisfaction.
Actively engaged in cross-selling and channel migration activities.
Education/ Certifications
Bachelor of Commerce (T.Y.B. Com), Ramanand Arya D. A. V. College, Mumbai - April 1997
Higher Secondary Certificate (H.S.C.), St. Xavier's College, Mumbai - March 1994
Secondary School Certificate (S.S.C.), Janana Sarita High School, Mumbai - March 1992
Other Certifications:
Completed Junior Associate of the Indian Institute of Bankers (JAIIB) certification conducted by the Indian Institute of
Banking & Finance in 2006
Completed Certified Associate of the Indian Institute of Bankers (CAIIB) certification conducted by the Indian Institute of
Banking & Finance in 2006
Personal Details
Date of Birth: 26th November 1976
Languages Known: English, Hindi, Gujarati & Marathi
Address: Mumbai
