1. VISHAL KACKER
Contact: 09829061204/ 0141 2761204
E-Mail: vishalrkacker@gmail.com
SENIOR LEVEL ASSIGNMENTS
PROFILE SUMMARY
 Post Graduation in Management with 14 years of experience in:
~ Banking- Liabilities ~Portfolio Management ~ Channel Sales Management
~ Retail and Wealth Management ~Client Relationship Management ~ People Management
 Currently working with HDFC Bank Ltd, HO, Jaipur as Senior Manager.
 Acquired experience in Business Operations across assignments with comprehensive knowledge of Financial products, Retail
banking products, Assets, Client Acquisition, Digitalization, Banking procedures, Channel management & Technological
resources.
 Excellence in managing business as per company’s vision,Strategic direction, handling various machineries and maintaining
healthy Customer relationship through designed solutions and ensuring quality services.
 Proven abilities in analysing the risk management, to adaptand handle business operations outside comfort zone, proficient in
taking adequate measures to monitor inflow / outflow of funds .
 Expertise in managing live portfolios and providing advice to a range of clients on strategic asset allocations, portfolio
construction, Loans portfolio, etc.
 A keen communicator, interpersonal and possessing organizational skills.
CORE COMPETENCIES
 Developing & implementing more integrated banking process to improve financial performance, controls and ensuring the
delivery of financial requirements with digital updates.
 Analysing business requirements and coordinating with processes in line with pre-set guidelines.
 Monitoring the overall functioning, identifying improvement areas and executing with adequate measures to maximize
customer satisfaction level.
 Handling diversified fund performance against fund objectives which involved assessing portfolio risk and return drivers to
ensure the outcome is optimised on a recurring basis .
 Managing the treasury function with responsibilities including long & short term funding, credit control, foreign exchange
management, economic & industry comparisons, business MIS and reviews, strategic & annual planning .
 Analysing the business potential and implementing with plans to drive channels for attaining business targets.
EMPLOYMENT DETAILS
Currently Working as Senior Manager from September’14: HDFC Bank Ltd, HO Jaipur.
Key Result Areas:
 Educating and diverting the Customers towards Digitalisation platform for their benefits.
 Accountable for all aspects of unit and revenue forecasts, including ensuring that all financial submissions were accurate
and on time.
 Maintaining desired laid process/procedures ofbank and adhering with Audit, Compliance to the rules and regulations of bank
including latest circulars and notifications.
 Managing portfolios that generate better returns above the set benchmarks and attaining the profitability band as per
company’s objective.
 Handling live portfolio and ensuring CASA ratios for Rajasthan HO region.
 Ensuring Compliance with policyon KYC, AML guidelines,Cash control,Bank deposits, Clientprofiling and Audit with an keen
eye at all the times.
 Ensuring healthy quality portfolio by monitoring 200 family groups for their every banking need and service requirements.
 Liaison with all departments of organization for the smooth functioning of banking needs of customers.
 Acquiring Customers with references and direct connect and ensuring retaining of existing client base.
Worked as Manager from February 2011 to Sept 2014: ICICI Bank Ltd, Jaipur
Key Result Areas:
 Generated business from High NetWorth clients by maintaining healthyrelationship with them and thereby maximizing profits.
 Designed allocation strategy for the month by keeping in mind optimum utilization of resources available.
 Analysing trends in accounting of Customers, projecting Fund portfolios and provided constant feedback to credit team on the
trends in the portfolio.
 Imparted training programs to branch leadership members and assist them to enhanced their productivity.
Highlights: (Please segregate as per the banking organisations)
 Bagged top position for achieving targets for two consecutive financial years, i.e., 2012 & 2013.
 Effectively increased the liability based of HNI Portfolio by 40% in Fy 2014 and 45% during Fy 2016.
 Won all the major contests for Assets, Life Insurance and Mutual Funds.

2. PREVIOUS EXPERIENCE
July 2009 to Sept 2010: Birla Sun Life Insurance Co. Ltd., Jodhpur as Territory Manager - Alternate Channel (CABC)
May 2004 to May 2009: HDFC Life, Jaipur as Branch Sales Manager.
Dec 2000 to May 2004: Gestetner (India) Ltd., Jaipur as Sales Executive- Digital Automation.
Highlights: (Please segregate as per organisations)
 Initiated Venue Sales at Jodhpur region which generated additional 35% business volumes during 2009 -10.
 Earned Performance based 3 promotions from Sales Manager to Branch Sales Manager in 4 years.
 Received certificate from Business Head and ranked among PAN India toppers twice in 2008- 09.
 Qualified and Visited 5 International venues to New Zealand, Bangkok, Mauritius, Malaysia and Singapore during 2004 -09.
 All my team mates were rewarded with “Battle of Champions” contest in Jan 09.
 Played key role in acquiring the company’s biggest Tender from Government business in Rajasthan in 2003-04.
 Acquired and Developed 8 DSA’s for business development in Rajasthan during 2000-04.
EDUCATION
2012 MBA/ PG Diploma in Management from Indra Gandhi National open University, Jaipur
2000 Post Graduation Diploma in Marketing Management, University of Rajasthan, Jaipur
1999 Post Graduation Diploma in Banking & Finance, University of Rajasthan, Jaipur
1997 B.Com from Jai Narain Vyas University, Jodhpur with 61%
1994 12th
from KV, Air Force School, Jodhpur, CBSE with 73%
PERSONAL DETAILS
Date of Birth: 15.06.1976
Languages Known: English, Hindi & Rajasthani
Address: 227, Shanti Nagar, Goplapura bypass, Jaipur- 302018, Rajasthan