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Manish Jha
Senior Manager @HDFC Bank Limited
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WORK HISTORY
Senior Manager @HDFC Bank Limited
Delhi, IN
Managing a ₹500 Cr Gold Loan Portfolio for South West & West Delhi with full responsibility for growth, risk control, and compliance. Driving sales productivity, customer retention, and portfolio health through strategic planning and daily reviews.Key Responsibilities:• Leading and developing a large on-ground team to deliver monthly & annual business plans• Achieving core KPIs including WIRR, Portfolio Quality, Collections, NPA Control & Cross-sell• Ensuring strong CRM discipline, service delivery, and customer experience• Driving market share expansion through new customer acquisition & deepening existing relationships• Conducting portfolio analysis and executing corrective actions to maintain risk hygiene• Coordinating with branches, product, operations & credit teams for seamless execution• Monitoring competition and implementing strategies to stay ahead in the catchmentKey Achievements:• Consistently delivered growth in 500 Cr portfolio with strong quality metrics• Improved team productivity through structured reviews & capability building• Strengthened compliance by implementing zero tolerance process discipline• Successfully enhanced customer retention & cross-sell contribution
EDUCATION
Magadh University
B.Sc, Chemistry
Indian School of distance Learning
MBA, Marketing and Operation
ABOUT MANISH JHA
Result-oriented Business Leader with 17+ years of experience in Banking, Telecom, and Consumer Durable industries across Bihar, Jharkhand, Assam, and Delhi NCR. I specialize in Sales, Distribution, Portfolio Management, Team Leadership, and Compliance.Currently, I manage a 500 Cr Gold Loan Portfolio at HDFC, driving growth, customer retention, cross-sell, and risk-controlled expansion with strong compliance discipline. Over the years, I have successfully handled multiple verticals—Loans, Gold Loans, Personal Loans, CASA, QR Business, Consumer Durables, Digital Products & Distribution Channels.My strength lies in:• Turning around underperforming territories• Scaling business across diverse geographies• Building high-performing teams• Driving revenue with strong customer experience• Ensuring zero-tolerance compliance• Managing large portfolios and multiple product linesI have consistently delivered growth, market expansion, and team capability building in every role and location. I believe in people-led execution, process discipline, and continuous improvement.
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