AARTHI RAJ
Chennai
Summary
- Result proven management professional with 25 years of experience in sales & marketing & leadership positions.
- Building record of success in developing marketing campaigns, strategies and solutions that generate revenue growth.
- Well-versed in marketing and sales life cycles; skilled negotiator and strategist.
- Excellent Trainer and mentor. Able to build high level personnel and close large sales in heavily competitive environments. Experience in handling all core functions within the banking business.
- Experience in handling all core functions within banking business.
- An organized and motivated individual, eager to utilize time management and organizational skills across diverse settings.
- Adaptable professional with a quick-learning ability and a talent for adjusting to new environments.
- Skilled in rapidly acquiring new knowledge and applying it effectively. Driven by a passion for continuous learning and successfully navigating change.
- Customer-focused individual with a passion for delivering exceptional service. Strong interpersonal skills with a talent for effectively addressing concerns.
- Committed to improving customer satisfaction and driving positive outcomes.
Overview
23
23
years of professional experience
Work History
Assistant Vice President - Trade & Forex
RBL BANK LTD
Chennai
10.2019 - Current
- Responsible of handling Trade and Foreign Exchange Business of the Bank
- Sales and Support to acquire New to bank relationship and intensify Business relationship, which enhances Branches to achieve their revenue targets.
- Guiding Branches and Key Relationship Manager to focus on target market to improve business for substantial revenue growth.
- Cross Sell products on Trade backed funding options to client by understanding their business model.
- Sharing Knowledge on Capital Account Transaction with Professional to acquire New to bank relationship.
- Monitoring Currency movement and knowledge sharing on Foreign Currency movement and fluctuation. Guidance of FEMA & RBI Regulations to client on timely basis.
- Scrutiny of Documents, ensuring compliance, policy, process and regulatory guidelines.
- Guiding client on O/s EDPMS and IDPMS pendency.
- Undertaking training to Branches and Key people at the Bank and share product knowledge.
- Attending Reserve Bank of India meetings or officials with regards to product clarification.
- Collaborated closely with team members to achieve target and meet deadlines.
- Maintained updated knowledge through continuing education and advanced training.
Senior Manager - Trade Product
YES BANK LTD -
Chennai
09.2015 - 09.2019
- Generated weekly and monthly reports tracking progress on goals set by management.
- Analyzed market trends to identify opportunities for new products or services.
- Responsible of handling Trade and Foreign Exchange Business of the Bank
- Sales and Support to acquire New to bank relationship and intensify Business relationship, which enhances Branches to achieve their revenue targets.
- Guiding Branches and Key Relationship Manager to focus on target market to improve business for substantial revenue growth.
- Cross Sell products on Trade backed funding options to client by understanding their business model.
- Sharing Knowledge on Capital Account Transaction with Professional to acquire New to bank relationship.
- Monitoring Currency movement and knowledge sharing on Foreign Currency movement and fluctuation. Guidance of FEMA & RBI Regulations to client on timely basis.
- Scrutiny of Documents, ensuring compliance, policy, process and regulatory guidelines.
- Guiding client on O/s EDPMS and IDPMS pendency.
- Undertaking training to Branches and Key people at the Bank and share product knowledge.
- Attending Reserve Bank of India meetings or officials with regards to product clarification.
- Collaborated closely with team members to achieve target and meet deadlines.
Treasury Relationship Manager
AXIS BANK LTD
Chennai
08.2013 - 09.2015
- Provided ongoing support throughout the sales cycle by responding promptly to inquiries, resolving issues, and following up on requests in a timely manner.
- Responsible of handling Trade and Foreign Exchange Business of the Bank.
- Sales and Support to acquire New to bank relationship and intensify Business relationship, which enhances Branches to achieve their revenue targets.
- Guiding Branches and Key Relationship Manager to focus on target market to improve business for substantial revenue growth.
- Cross Sell products on Trade backed funding options to client by understanding their business model.
- Sharing Knowledge on Capital Account Transaction with Professional to acquire New to bank relationship.
- Monitoring Currency movement and knowledge sharing on Foreign Currency movement and fluctuation. Guidance of FEMA & RBI Regulations to client on timely basis.
- Scrutiny of Documents, ensuring compliance, policy, process and regulatory guidelines.
- Guiding client on O/s EDPMS and IDPMS pendency.
- Undertaking training to Branches and Key people at the Bank and share product knowledge.
- Attending Reserve Bank of India meetings or officials with regards to product clarification.
- Collaborated closely with team members to achieve target and meet deadlines.
- Led training sessions for junior relationship managers on client service best practices.
Relationship Manager
DEUTSCHE BANK
Chennai
04.2012 - 07.2013
- Own and manage existing relationships and build NTB relationship to the Bank.
- Cross sell across needs and engage with complete width of banking products offered including trade/Forex, Assets, Cash Management Services products.
- Facilitating deals for clients through pricing / product proposition.
- Handling all Trade and credit related transactions like Export, Import, Guarantee, Domestic and FCY Bill Discounting and Remittances and Credit Assessment preparation for offering funding requirement.
- Identifying Business lending potential.
- Strict compliance to CAAML policy and adherence to KYC for new acquisitions.
- Trained branch team on the same.
- Conducted risk assessments for client portfolios, recommending strategies to mitigate potential losses.
- Maintained accurate records of all client interactions within the company's CRM system.
- Collaborated with internal teams to create customized financial solutions for clients.
Relationship Manager
ABN AMRO BANK / THE ROYAL BANK OF SCOTLAND
02.2008 - 03.2012
- Own and manage existing relationships and build NTB relationship to the Bank.
- Cross sell across needs and engage with complete width of banking products offered including trade/Forex, Assets, Cash Management Services products.
- Facilitating deals for clients through pricing / product proposition.
- Handling all Trade and credit related transactions like Export, Import, Guarantee, Domestic and FCY Bill Discounting and Remittances and Credit Assessment preparation for offering funding requirement.
- Identifying Business lending potential.
- Strict compliance to CAAML policy and adherence to KYC for new acquisitions.
- Trained branch team on the same.
- Digitalisation activation of new relationships and accounts.
- Support activation of cross sell of TFX and BL products.
- Implement and support execution of services clients have signed up for.
- Penetrate and enhance usage of e-channels and doorstep banking.
- At client site training and support to access service channels.
- Introduce branch layout, key personnel when client visits the branch.
- Highlight any specific segmental focus from the sourced accounts.
- For existing BL customers monitor and regularize deviations and exceptions.
- Complete sales co ordination between BBs, BOPs and COPs and product teams.
- Coordinates with BOPs, COPs, CTF, TB Ops where required.
- Acquires and services the NTB (New to Bank) client.
- Handholding NTB clients to enable smooth and quicker on-boarding.
- Incremental ANR from deepening the existing base and boarding NTB customers.
- Ensure revenue through cross sell of TFx, Business Lending to the existing customers.
- Engages clients to buy the complete width of Banking Products with RBS, including Business Lending, Trade and FX, Investments.
- To Business Fees, Trade & Fx, Monitors and tracks transaction behavior & increases the RBS valet share of the client.
- Migrate the customers to NBD channels to ensure stickiness and easy service to the customer.
- Implements client engagement programs and seminars with the help of regional marketing teams.
- Ensures adherence to daily activity goals assigned by the Regional head.
- Maintains working knowledge of the local market, its trends, its potential, competitors, premiere service providers, etc.
- Ensures effective client retention by utilizing all available support services.
- Strict compliance to CAMML policy and adherence to KYC for new acquisitions.
- Annual renewal of RAF (Risk Assessment Form) of increased risk customer and due diligence for required customers.
- Ensure strict compliance to the CAAML & KYC policy of the bank.
- Ensure clients are acquired from the defined target segments using the correct tooling.
Relationship Manager
CENTURION BANK OF PUNJAB
04.2006 - 01.2008
- Marketing on retail Foreign Exchange and Western Union Product.
- Updating Fluctuation on rates to the client on daily basis.
- Advising on purchase / Selling deals.
- Own and Manage existing relationship and also to acquire new relationship.
Business Development Executive
VKC CREDIT AND FOREX SERVICES PVT LTD
06.2002 - 03.2006
- Marketing on retail Foreign Exchange and Western Union Product.
- Updating Fluctuation on rates to the client on daily basis.
- Advising on purchase / Selling deals.
- Own and Manage existing relationship and also to acquire new relationship.
Education
Certificate in Foreign Exchange in Operations - Trade And Forex
Indian Institute of Banking And Finance
Chennai09-2016
Certified Documentary Credit Specialist - Trade Credit
Indian Institute of Banking And Finance
Chennai06.2016
Certification course of Trade and Forex Business - Trade and Foreign Exchange
Indian Institute of Banking And Finance
Chennai04.2015
Diploma in Computer Science - Computer Applications Development
NIIT
Chennai05.2002
Skills
- Industry Specific Expertise
- Strategic Planner
- Problem Solving
- Communication Verbally and Writing
- Adaptability
- Time Management
- Critical Thinking
- Interpersonal Skills
- Product Line Developer
- Excellent trainer and mentor
- Team collaboration
- Customer relationship management
- Risk assessment
- Financial reporting
- Regulatory compliance
- Sales strategy
- Market analysis
- Trade compliance
Languages
Tamil
First Language
English
Proficient (C2)
C2
Hindi
Elementary (A2)
A2
French
Elementary (A2)
A2
Personal Information
- Passport Number: T 7002691
- Date of Birth: 12/13/81
- Marital Status: Married
Websites
Timeline
Assistant Vice President - Trade & Forex
RBL BANK LTD
10.2019 - Current
Senior Manager - Trade Product
YES BANK LTD -
09.2015 - 09.2019
Treasury Relationship Manager
AXIS BANK LTD
08.2013 - 09.2015
Relationship Manager
DEUTSCHE BANK
04.2012 - 07.2013
Relationship Manager
ABN AMRO BANK / THE ROYAL BANK OF SCOTLAND
02.2008 - 03.2012
Relationship Manager
CENTURION BANK OF PUNJAB
04.2006 - 01.2008
Business Development Executive
VKC CREDIT AND FOREX SERVICES PVT LTD
06.2002 - 03.2006
Certificate in Foreign Exchange in Operations - Trade And Forex
Indian Institute of Banking And Finance
Certified Documentary Credit Specialist - Trade Credit
Indian Institute of Banking And Finance
Certification course of Trade and Forex Business - Trade and Foreign Exchange
Indian Institute of Banking And Finance
Diploma in Computer Science - Computer Applications Development
NIIT
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