Ajith Kumar
Banking Professional
Kodangallu Post, Moodbidri, Dakshina Kannada
Summary
Total 20 years of experience in financial services, specializing in current accounts, SME banking, forex, cash management solutions (CMS), and cross selling. Proven track record of successfully managing client portfolios, driving business growth, and ensuring the highest level of customer satisfaction. Adept at leading high-performing teams, enhancing service delivery, and implementing banking solutions that align with client needs. Strong expertise in handling both corporate and individual clients, with a deep understanding of banking operations and risk management.
Overview
21
21
years of professional experience
3
3
Languages
Work History
Relationship Manager-EEG
HDFC Bank LTD
Managlore
04.2025 - Current
- Managing ₹105 Cr SME asset portfolio across 60 customer relationships
- Handling Working Capital (CC/OD), Term Loans, and Business Loans
- Conducting detailed financial analysis including CMA, balance sheet, GST, and banking assessment
- Managing end-to-end credit process: proposal structuring, appraisal coordination, documentation, disbursement, and renewals
- Monitoring DP calculations, stock statements, compliance, and portfolio health
- Coordinating with Credit, Legal, RCU, and Operations for timely sanction and closure of deferrals
- Ensuring adherence to RBI guidelines and internal
Senior Ralationship Manager- CBG
Axis Bank Ltd.
Mangalore
10.2012 - 11.2024
- Client Relationship Management:
- Build and maintain strong relationships with high-net-worth individuals (HNWIs), corporate clients, or SMEs.
- Serve as the primary point of contact for clients, providing personalized service and addressing their financial needs.
- Proactively manage client portfolios, ensuring client satisfaction, loyalty and retention.
- 1. Portfolio and Account Management:
- Handle a portfolio of clients, regularly reviewing their accounts and transactions.
- Offer guidance on banking products and services, such as current accounts, loans, forex and investments to enhance client portfolios.
- 2. Sales and Cross-Selling:
- Actively promote and cross-sell banking products like loans, insurance, investment services, and credit facilities. Develop and implement strategies to increase product penetration and revenue from each client relationship.
- 3. Business Development and Client Acquisition:
- Identify and target new clients to expand the client base, often through referrals or networking.
- 4. Financial Advisory and Product Expertise:
- Provide clients with insights on financial trends, investment options, and risk management. Stay updated on banking products and services, acting as an advisor to clients on suitable financial solutions.
- 5. Risk Management and Compliance:
- Conduct thorough due diligence to ensure compliance with regulatory requirements, such as KYC norms. Ensure adherence to bank's compliance standards and protocols in all client interactions.
- 6. Coordination and Collaboration:
- Work closely with other departments, such as credit, operations, and product teams, to ensure seamless service delivery.
- 7. Reporting and Performance Tracking:
- Regularly monitor and report on key performance metrics, such as sales targets, client satisfaction, and portfolio growth.
- 8. Team Leadership and Development:
- Manage and mentor team, setting performance targets and guiding them to meet sales, service, and compliance standards. Conduct regular training sessions to upskill team, improving their product knowledge and customer service capabilities.
- Research and current trends to identify prospective customers and determine specific needs.
Business Development Manager
Birla Sun Life Insurance
Mangalore
11.2007 - 10.2012
- Recruit, train, and manage team of sales agents or advisors, setting clear sales goals and performance expectations. Conduct regular training sessions to ensure team is knowledgeable about products, selling techniques, and regulatory updates. Provide ongoing coaching and support to team, helping them improve their sales skills and achieve individual and team targets.
- B D M at Birla Sun Life Insurance (now known as Aditya Birla Sun Life Insurance) is primarily responsible for driving sales growth, acquiring new clients, and strengthening distribution network.
Territory Executive
HDFC Bank Ltd
Mangalore
12.2006 - 10.2007
- Territory Executive at HDFC Bank handling mortgage loans plays key role in driving loan sales, managing client relationships, and ensuring customer satisfaction in specific geographical area.
Deputy Relationship Executive
ICICI Bank Limited
Mangalore
07.2005 - 11.2006
- Role of Deputy Relationship Executive (DRE) at ICICI Bank typically focuses on supporting the relationship management team, particularly in retail and business banking, to enhance customer experience, achieve sales targets, and ensure smooth operational processes.
Education
B'COM - Commerce
SRI MAHAVEERA COLLEGE
MOODBIDRI04-2005
Skills
Leadership & Team Management
SME Banking Solutions
Cross-Selling Strategies
Banking & Financial Expertise
Customer Relationship Management
Market & Competitor Analysis
Compliance & Regulatory Knowledge
Additional Information
- D.O.B : 24.04.1984
- Hobbies: Social Work on community developments.
Timeline
Relationship Manager-EEG
HDFC Bank LTD
04.2025 - Current
Senior Ralationship Manager- CBG
Axis Bank Ltd.
10.2012 - 11.2024
Business Development Manager
Birla Sun Life Insurance
11.2007 - 10.2012
Territory Executive
HDFC Bank Ltd
12.2006 - 10.2007
Deputy Relationship Executive
ICICI Bank Limited
07.2005 - 11.2006
B'COM - Commerce
SRI MAHAVEERA COLLEGE