Shubham Sharma

Business Development Executive

Kangra, Himachal Pradesh, India8 yrs 2 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Expert in managing SME banking portfolios.
Proven track record in financial assessment and client acquisition.
Strong relationship management skills with MSME clients.

Stackforce AI infers this person is a Banking and Financial Services professional with expertise in SME and working capital solutions.

Contact

Skills

Core Skills

Sme BankingFinancial AssessmentWorking Capital LoansRelationship ManagementBusiness DevelopmentInsurance SalesFinancial ServicesCustomer Relationship Management

Other Skills

Financial AnalysisDirect SalesDigital MarketingAutomotive

About

SME Banking professional managing working capital portfolio for Kangra ,Una , Hamirpur,Chamba Responsible for acquisition of new SME clients, relationship management and end-to-end assessment of financials, including balance sheet and cash-flow analysis. Highly self-driven and result-oriented, with hands-on experience in business sourcing, credit understanding, customer servicing and coordination with internal teams. Strong commitment to building long-term customer relationships and delivering suitable financial solutions for MSME clients. Specialities: SME Banking, Working Capital Loans, Financial Assessment, Balance Sheet Analysis, Business Development, Customer Relationship Management, Secured & Unsecured Lending.

Experience

8 yrs 2 mos

Total Experience

1 yr 7 mos

Average Tenure

3 yrs 7 mos

Current Experience

Hdfc bank limited

2 roles

Manager

Jun 2025 – Present · 10 mos · Kangra · On-site

SME Banking professional managing working capital portfolio Responsible for acquisition of new SME clients, relationship management and end-to-end assessment of financials, including balance sheet and cash-flow analysis.
Highly self-driven and result-oriented, with hands-on experience in business sourcing, credit understanding, customer servicing and coordination with internal teams. Strong commitment to building long-term customer relationships and delivering suitable financial solutions for MSME clients.
Specialities:
SME Banking, Working Capital Loans, Financial Assessment, Balance Sheet Analysis, Business Development, Customer Relationship Management, Secured & Unsecured Lending.

Financial AnalysisDirect SalesSME BankingFinancial Assessment

Deputy Manager

Sep 2022 – Present · 3 yrs 7 mos · Kangra · On-site

Managing and developing business across 35 branches in Kangra, Chamba, Hamirpur for Working Capital products under HDFC Bank Ltd.
Core responsibilities include:
Handling a full suite of working capital solutions including Term Loans, OD Against Property (ODAP), DOD, and Project Funding
End-to-end client engagement: sourcing, appraisal, documentation, and disbursement
Coordinating with credit, legal, valuation, and operations teams to ensure smooth processing
Relationship management with SME/MSME clients to understand business needs and structure appropriate solutions
Achieving monthly and quarterly business targets with strong focus on portfolio quality and compliance

Working Capital LoansRelationship Management

Cholamandalam ms general insurance co. ltd.

Senior Lead

Dec 2021 – Aug 2022 · 8 mos · Shimla, Himachal Pradesh, India · On-site

Handling operations, business development, and channel management across 52 PNB BANK , BOB BANK ,INDIAN BANK ,UBI BANK branches in Shimla under Chola mandalam gic ltd
Key responsibilities include:
Driving insurance sales through the PNB BANK,INDIAN BANK ,BOB BANK,UBI BANK network
Managing branch relationships and training staff on insurance products
Ensuring smooth policy issuance and post-sale service
Coordinating with internal teams for underwriting, claims, and customer support
Delivering on monthly and quarterly targets aligned with company goals

Business DevelopmentInsurance Sales

Hdfc ergo general insurance

Senior Executive

Jul 2021 – Dec 2021 · 5 mos · Shimla, Himachal Pradesh, India · On-site

Handling operations, business development, and channel management across 35 hdfc branches in Shimladistricts under HDFC Ergo gic ltd
Key responsibilities include:
Driving insurance sales through the hdfc network
Managing branch relationships and training staff on insurance products
Ensuring smooth policy issuance and post-sale service
Coordinating with internal teams for underwriting, claims, and customer support
Delivering on monthly and quarterly targets aligned with company goals

Business DevelopmentInsurance Sales

Sbi general insurance

Relationship Manager

Feb 2019 – Jul 2021 · 2 yrs 5 mos · Shimla, Himachal Pradesh, India · On-site

Handling operations, business development, and channel management across 35 SBI branches in Solan, Shimla, and Sirmour districts under SBI General Insurance Ltd.
Key responsibilities include:
Driving insurance sales through the SBI network
Managing branch relationships and training staff on insurance products
Ensuring smooth policy issuance and post-sale service
Coordinating with internal teams for underwriting, claims, and customer support
Delivering on monthly and quarterly targets aligned with company goals

Business DevelopmentInsurance Sales

Kotak mahindra bank

Assistant Manager

Jan 2018 – Feb 2019 · 1 yr 1 mo · Shimla, Himachal Pradesh, India · On-site

I handling a wide portfolio of banking and financial services at Kotak Mahindra Bank, including:
Savings & Current Account Opening
Life Insurance & General Insurance Advisory
Demat & Trading Account Services
Home Loans, LAP (Loan Against Property), Personal & Business Loans
Mutual Fund Investments & Wealth Products
High-Value Loan Solutions for Retail & SME Clients
Focused on delivering end-to-end financial solutions, customer satisfaction, and deepening client relationships through a consultative approach.

Financial ServicesCustomer Relationship Management