Summary
Overview
Work history
Education
Skills
Custom
Personal Information
Timeline
Hi, I’m

Vishal Issar

Mohali,Punjab
Vishal Issar

Summary

To drive business growth by identifying market trends, developing high-performing teams, optimizing processes, and delivering strategic solutions across Retail Assets, Forex, and Collections verticals.

Banking leader with over 20 years of experience in Retail Assets, Trade & Retail Forex, Channel Management, Collections, Business Development, and Client Relationship Management. Proven success in leading high-performing teams, driving new business initiatives, and building profitable customer relationships. Currently designated as Vice President, Axis Bank, known for delivering strong results through a consultative and execution-focused leadership style.

Overview

21
years of professional experience

Work history

Axis Bank

Vice President – Zonal Head North RPMG (Collections)
04 2025 - Current

Job overview

  • Overseeing collection and recovery of SBB working capital portfolios across Punjab, Haryana, Himachal Pradesh, and Jammu & Kashmir.
  • Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives.
  • Customer escalation management and response within TAT.
  • Structured review mechanisms and allocation strategies.
  • Ensured maximum ROR across vintages.
  • Legal filing coverage and execution.
  • Ensured adherence to set processes and audit requirements.
  • Created a performance-oriented environment leading to high employee motivation and productivity.

Axis Bank

Vice President – Circle Head, Punjab – Retail Assets (ADM Channel)
04 2023 - 03 2025

Job overview

  • Proficiently managed a comprehensive business portfolio for Retail Assets, Gold loan, CBG and SBB through the branch channel.
  • Led Asset Desk Managers and Cluster Heads across 400+ branches in Punjab, driving strategic execution and consistent business growth.
  • Strategically planned monthly targets and executed growth strategies through digital channels, ensured the timely implementation of these strategies across the region.
  • Maintained close coordination among Branch Banking Circle Heads, Business Heads, and Product Heads, fostering effective communication and facilitating regular review mechanisms.
  • Proactively identified new opportunities in the retail market and ensured their timely and effective execution.
  • Conducted comprehensive market research to gain valuable insights into product distribution, facilitating informed decision-making and strategic planning.
  • Effectively managed the VLE channel business, focusing on acquiring new VLE partners and enhancing business relationships with existing partners.
  • Spearheaded Retail Assets growth through strategic initiatives and team leadership.

Axis Bank

Vice President – Deputy Regional Head North – Retail & Trade Forex
04 2014 - 03 2023

Job overview

  • Managing a team of 25+ Cluster Sales Managers, driving Fee Income exceeding ₹80Cr annually.
  • Lead sales strategy and teams across NCR, Lucknow, Punjab, Haryana, Himachal Pradesh, and J&K, ensuring consistent achievement of business targets.
  • Spearheading the Retail Trade business for the region, driving the business for retail forex products like Travel Cards, Outward Remittances & Inward Remittances.
  • Playing a pivotal role in planning monthly targets and shifting business through digital channels.
  • Managing and acquiring over 90+ channel partners including student consultant and FFMC.
  • Contributing significantly to the development of Travel Cards and Outward Remittance strategy for the Bank.
  • The core task for me is to increase Branch and channel partner’s business, both top line and revenue.
  • Responsible for scoping & acquisitions of new retail market opportunities, ensuring timely execution.
  • Providing insights on technical issues and standards, supporting the implementation of new products.

Axis Bank

Branch Relationship Officer & NRI Relationship Manager
04 2010 - 03 2014

Job overview

  • Handled CASA,TPP and branch-level activations.
  • Grew NRI client base and branch targets.

Axis Bank

Cluster Manager -CMS
11 2008 - 03 2010

Job overview

  • Led client onboarding and cross-functional staff training

HDFC Bank

Personal Banker – Sales
2005.01 - 2008.11 (3 education.years_Label & 10 education.months_Label)

Job overview

  • Oversight of High Net Worth Individual (HNI) portfolio management at the branch.
  • Active engagement in the distribution and cross-selling of third-party products.
  • Marketing of retail banking products including CASA, Loans, and NR products.
  • Dissemination of product information and provision of exemplary customer service.
  • Establishment of robust and excellent relationships with corporate clients by promoting awareness of the bank's product offerings.

ICICI Prudential Life Insurance

Bancassurance Officer
2004.10 - 2005.01 (3 education.months_Label)

Job overview

  • Managing and nurturing relationships with Lord Krishna Bank, driving business growth through strong connections with branch managers, staff, and customers.
  • Consistent involvement in the sale of insurance products.
  • Disseminating comprehensive product information and delivering exceptional customer service.

Education

Punjab University

Bachelor of Arts

University overview

National Institute of Sales (NIS)

PG Diploma in Sales & Marketing

University overview

Symbiosis

PG Diploma in Finance

University overview

Skills

  • Retail Assets & Portfolio Management
  • Retail & Trade Forex
  • Channel Partner on boarding & Development
  • Collections Strategy & Legal Execution
  • Strategic Sales Planning & Forecasting
  • Team Leadership & Employee Productivity
  • Digital Channel Growth Initiatives
  • Customer Relationship & Escalation Management
  • Market Scoping & Process Optimization
  • Financial Analysis & Business Reporting

Custom

Custom
Vishal, Issar, Mohali, 9988004451, vishal_issar@yahoo.com, Punjab

Personal Information

Personal Information

Timeline

Personal Banker – Sales
HDFC Bank
2005.01 - 2008.11 (3 education.years_Label & 10 education.months_Label)
Bancassurance Officer
ICICI Prudential Life Insurance
2004.10 - 2005.01 (3 education.months_Label)
Vice President – Zonal Head North RPMG (Collections)
Axis Bank
04 2025 - Current
Vice President – Circle Head, Punjab – Retail Assets (ADM Channel)
Axis Bank
04 2023 - 03 2025
Vice President – Deputy Regional Head North – Retail & Trade Forex
Axis Bank
04 2014 - 03 2023
Branch Relationship Officer & NRI Relationship Manager
Axis Bank
04 2010 - 03 2014
Cluster Manager -CMS
Axis Bank
11 2008 - 03 2010
Punjab University
Bachelor of Arts
National Institute of Sales (NIS)
PG Diploma in Sales & Marketing
Symbiosis
PG Diploma in Finance

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