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Jovial Raj is an accomplished finance and marketing professional with extensive experience in the banking and insurance sectors. Currently serving as Vice President at HDFC Bank since October 2005, Jovial Raj manages relationships with approximately 220 automobile dealers across South India, overseeing a substantial monthly turnover exceeding 1000 Crores. Prior to this role, Jovial Raj worked as Area Sales Manager at ICICI Lombard from August 2003 to September 2005, where record growth in general insurance retail products was achieved. Jovial Raj began the career as Dealer Account Officer at Fidis from December 1999 to January 2003, focusing on auto dealer funding and related services for Fiat India Ltd. Jovial Raj holds an MBA in Finance and Marketing from the University of Madras, earned between 1995 and 1997.