Rajeev Kumar

About Rajeev Kumar

Senior banking leader with 29 years of experience in India’s financial services sector, including 22 years with HDFC Bank, leading large-scale retail asset businesses with full P&L responsibility.My leadership experience spans secured and unsecured lending, including Personal Loans, Business Loans, Home Loans, LAS, Education Loans and Credit Cards. I have consistently built and scaled pan-India businesses, combining distribution strength, digital partnerships, analytics-led growth, and disciplined risk management.In my current role, I drive enterprise-level strategy for Retail Assets, focusing on digital sourcing, alternate banking channels, customer retention, and profitability enhancement. I have led initiatives that scaled digital partnerships contributing crore of annual business, doubled alternate-channel volumes, expanded pre-approved and unassisted sourcing, and embedded customer experience governance through structured NPS frameworks.I work closely with Finance, Risk, Audit, Compliance, Analytics, and Technology teams to ensure sustainable growth in complex regulatory environments. My leadership style emphasises clarity of strategy, execution discipline, people development, and governance.

Experience

1. Business Manager - Unsecured Loans

   HDFC Bank

   Apr 2022 — Present · Mumbai, IN

   I am working as Business Manager Unsecured loans since last 2 years. responsibility includes Managing Sales, Product, compliance, audit, channels, Marketing, analytics, Digital journeys and responsible for P&L for the business. Managing a book of 1.85 lac credit. This is one of the most profitable businesses of the bank.

Education

• MDI Gurgaon

  PGPM - Marketing and Finance

  1994 — 1996

• SRPA Adrash Bhartiya College Pathankot

  B.SC Non Medical

  1988 — 1992

• St joseph convent school, pathankot

  10th Standard

• St Joseph Convent School

  10th Standard

  1983 — 1986

• SRPAAB college Pathankot

  Higher Secondary, Non Medical

  1986 — 1988