Rajesh Mudragada
Kakinada
Summary
Results-driven Area Sales Manager with expertise in working capital financing and SME lending. Proven track record in driving business ess growth, client acquisition, and portfolio expansion. Skilled in credit evaluation, risk assessment, and relationship management. Strong leadership in team development and achieving sales targets across multiple regions. Committed to delivering strategic financial solutions that support business growth.
Overview
14
14
years of professional experience
Work History
Area Sales Manager (Center Head)
Axis Bank Ltd
Hyderabad
09.2024 - Current
- Leading a team of 6 Relationship Managers and 2 Relationship Officers.
- Driving acquisition of SME and Business Banking clients under the SBB segment across Hyderabad region.
- Responsible for achieving monthly working capital disbursement targets across the assigned geography.
- Coordinating with Credit, Risk, and Compliance teams to ensure smooth sanction and disbursement processes.
- Monitoring team productivity, conducting performance reviews, and providing on-field support and guidance.
- Working with cluster heads and branch heads to improve sourcing from branch channels and strengthen cross-sell.
- Focused on PSL and SME segment with ticket sizes ranging from ₹10 lakh to ₹25 crore.
- Ensuring revenue growth via processing fees, NII, and third-party income (insurance, forex, CMS, trade).
Senior Manager, Working Capital (EEG) RM
HDFC Bank Ltd
Bangalore
06.2021 - 08.2024
- Managed a team of 3 Business Development Officers.
- Built and acquired New-to-Bank MSME relationships, managing a portfolio across 8 branches.
- Handled PSL and MSME portfolios with turnover between ₹60 lakh and ₹75 crore, with ticket sizes ranging from ₹10 lakh to ₹25 crore.
- Collaborated with Cluster Heads and Branch Heads to generate and close leads.
- Worked with Credit/Risk teams to drive business using strategic sourcing.
- Identified cross-sell opportunities in Trade, Direct Banking, Forex, and Insurance products.
- Enhanced lending revenues via improved NII, yield, and fee income.
Relationship Manager, SME (MIB Department)
Yes Bank Ltd
Bangalore
09.2018 - 06.2021
- Explored business opportunities in the SME sector with ticket sizes from ₹1 crore to ₹10 crore.
- Achieved budgeted targets and enhanced profitability through cross-selling.
- Coordinated across departments to meet customer needs within TAT.
- Prepared CAMs, conducted financial analysis, and ensured credit quality.
- Strengthened client retention via service excellence and proactive support.
Relationship Manager, Working Capital (RIBG RBC)
ICICI Bank Ltd
Bangalore
05.2012 - 09.2018
- Handled a portfolio of SME clients and acquired new relationships.
- Conducted limit renewals/enhancements and customized financial solutions.
- Coordinated with Credit, Legal, and Technical teams for seamless loan processing.
- Drafted approval notes and carried out financial assessments.
Education
PGDB - Banking & Finance
Manipal University
BangaloreM.Tech - ECE
JNTU
HyderabadB.Tech - ECE
Aditya Engineering College (JNTU)
Intermediate -
Sudharsan Junior College
SSC -
APR School
Skills
- Working Capital
- SME Lending
- Portfolio Management
- Team Management
- Credit Analysis
- Risk Assessment
- Client Engagement
- Regulatory Compliance
- Internal Processes
Languages
- Telugu
- English
- Kannada
- Hindi
Personal Information
- Date of Birth: 08/28/87
- Marital Status: Married
Languages
Telugu
First Language
English
Proficient
C2
Kannada
Proficient
C2
Hindi
Upper Intermediate
B2
Timeline
Area Sales Manager (Center Head)
Axis Bank Ltd
09.2024 - Current
Senior Manager, Working Capital (EEG) RM
HDFC Bank Ltd
06.2021 - 08.2024
Relationship Manager, SME (MIB Department)
Yes Bank Ltd
09.2018 - 06.2021
Relationship Manager, Working Capital (RIBG RBC)
ICICI Bank Ltd
05.2012 - 09.2018
PGDB - Banking & Finance
Manipal University
M.Tech - ECE
JNTU
B.Tech - ECE
Aditya Engineering College (JNTU)
Intermediate -
Sudharsan Junior College
SSC -
APR School