---
title: "Sarbjeet Kumar - Manager in Ludhiana | Tal"
description: "Meet Sarbjeet Kumar, Strategic Banking Leader | Manager at HDFC Bank | Specialized in Corporate & Agri-Funding| 5+ years of experience | MBA (Data Science) | Gen. AI Expert (IIM Mumbai) | Ex- Bajaj Finserv | Ex- Reliance Ind | Ex- Ujjivan based in Ludhiana."
image: "https://tal.club/meet/sarbjeet-kumar/share-image"
---

# Sarbjeet Kumar on Tal

## Headline

Strategic Banking Leader \| Manager at HDFC Bank \| Specialized in Corporate & Agri\-Funding\| 5\+ years of experience \| MBA \(Data Science\) \| Gen\. AI Expert \(IIM Mumbai\) \| Ex\- Bajaj Finserv \| Ex\- Reliance Ind \| Ex\- Ujjivan

## About

A distinguished Architect of Business Growth with a 5\-year trajectory of transforming complex operational challenges into scalable financial success\. Currently overseeing a multi\-branch cluster at HDFC Bank, I specialize in structuring high\-value credit solutions \(up to ₹400 Cr\) across industrial and agricultural sectors\. Core Expertise: High\-Value Capital Structuring: MSME, GST\-registered entities, Real Estate, and Agri\-Business Funding\. Digital Transformation: Leveraging MBA\-level Data Science and IIM Mumbai Generative AI mastery for predictive business intelligence\. Strategic Leadership: Managing multi\-branch portfolio and fostering high\-velocity team \. I bridge the gap between traditional institutional wisdom and future\-ready innovation to build a legacy of consistent, sustainable growth\.

## Location

Ludhiana

## Work experience

Manager at HDFC Bank, Dec 2025 \- Present · 10 mos, Ludhiana East, Punjab, India, Working Capital Products Cash Credit Overdraft Secured Property Term Loan Agriculture Funding Gst Surrogate Funding Merchant Overdraft

Branch Sales Manager at Bajaj Finserv, Feb 2025 \- Nov 2025 · 10 mos, Ludhiana, Punjab, India, Responsible for Team Management Working Capital & IBTA Consumer Durable Personal Loan Leads Dealer/ Business On\-boarding & Relationship Along with Channel/ DSA partners Performance & Relationship\.

Deputy Branch Sales Manager at Bajaj Finserv, Nov 2023 \- Feb 2025 · 1 yr 4 mos, Ludhiana, Punjab, India

Store Manager at Reliance Retail, Mar 2022 \- Nov 2023 · 1 yr 9 mos, Ludhiana, Punjab, India, My role involves overseeing daily store operations, managing inventory, and ensuring sales targets are met\. I also lead the store team, enhance customer experience, and maintain compliance with company policies by maintaing EBIDTA & Store P&L

Department Manager at Reliance Retail, Nov 2021 \- Mar 2022 · 5 mos, Ludhiana, Punjab, India, Worked For NSO in Property Acquisition operations\.

Senior Executive at Reliance Retail, Dec 2020 \- Nov 2021 · 1 yr, Ludhiana, Punjab, India, Worked for JIO PAYMENTS BANK

Digital banker at Ujjivan Small Finance Bank, Dec 2019 \- Dec 2020 · 1 yr 1 mo, Jalandhar, Punjab, India, I assisted customers with digital banking services, promoted digital adoption, and resolved technical issues\. i also educated customers on digital platforms and ensured smooth transactions for an enhanced banking experience\.

Store Cashier at Future Retail Ltd\., Mumbai, Feb 2016 \- Apr 2017 · 1 yr 3 mos, Ludhiana, Punjab, India, Billing, Cross sale, Handling customer complaints

## Education

Master of Business Administration \- MBA, Human Resources Management and Services, Lovely Professional University \(LPU\)

B\.com, Accounting and Finance, Kamla Lohtia Sanatan Dharam College \- India

[View the original profile](https://tal.club/meet/sarbjeet-kumar)

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