Kamal Gairola

Enthusiast
DISC Type : i

Head HR - Assets, Credit and Collections at Utkarsh Small Finance Bank

Delhi, India

Overview

Kamal Gairola is a seasoned Human Resources leader specializing in the financial services sector. As Head of HR for Assets, Credit, and Collections at Utkarsh Small Finance Bank, he leverages extensive experience from roles at AU Small Finance Bank and Aadhar Housing Finance. He holds a management degree from the Indian Institute of Management, Calcutta.

He has a keen professional interest in the broader financial landscape, including venture capital and insurance sectors, following major firms like Sequoia Capital and Aviva India.

Unique fact: Before his senior roles in banking, Kamal founded and ran his own HR consultancy, NeelKamal HR Consulting.

Personality Overview

Non-Confrontational

Optimistic

Amiable & Agreeable

They tend to be agreeable by nature, so take their promises with a pinch of salt.
  They are more about building relationships than just cutting deals. Unlike D or C types, they are convinced more by stories and testimonials.

Topics They Care About

Financial Services HR
His career is centered on HR leadership within housing finance and small finance banks, including Utkarsh and AU Small Finance Bank.
Talent Management
As a Zonal and Head HR, his focus includes recruitment, training, and strategic human resource business partnering across large regions.
Corporate Credit & Collections
His current role directly supports the Assets, Credit, and Collections divisions, indicating a deep understanding of these business functions.

Media Appearances

Utkarsh Small Finance Bank Limited Announces Change in Senior Management Personnel. Featured in MarketScreener

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Work History

10-2022
Head HR - Assets, Credit and Collections at Utkarsh Small Finance Bank
7-2019 - 10-2022
Zonal Head - HR & Training - North at Utkarsh Small Finance Bank
12-2018 - 5-2019
Regional Manager - HRBP - North at AU SMALL FINANCE BANK
12-2017 - 12-2018
Zonal Manager - HR - North at Aadhar Housing Finance Ltd.
4-2016 - 12-2017
Founder & Principal Consultant at NeelKamal HR Consulting

Education

Human Resources Management from Indian Institute of Management, Calcutta

More Information

Social Presence :

Prographics :

Exp : 18 Location : Delhi, India Job Level : N/A Designation : Head HR - Assets, Credit and Collections at Utkarsh Small Finance Bank
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Insights For Selling To Kamal

During A Call Or A Meeting

DO's

  • Ask them how their day is going or exchange some other pleasantries
  • Compliment them about their personality if you get a chance
  • Invite them for a lunch or a drink/coffee

DONT's

  • Avoid overloading them with too much information
  • Don't be critical or challenge them openly, they can react defensively
  • Don’t push them for a direct ‘no’, take lack of ‘yes’ as ‘no’ after some time

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Kamal is

  • Relationships and rapport matter to them, but so does the value of the product.
  • Will you ever get a clear answer from Kamal

  • They are unlikely to say no directly.

Insights For Deal Planning

    How fast (or slow) will Kamal move?

  • They are not very fast decision makers, even while they continue to stay engaged.
  • Can Kamal take some risk or not?

  • If it seems really necessary, they can take small risks.

You And Kamal

Personality Compatibility


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