Akshay Nair
Mumbai
Summary
Banking professional with experience across Small Business Banking and Retail/Business Lending at leading private sector banks including Axis Bank, YES Bank, and HDFC Bank. Currently working as a Relationship Manager – Small Business Banking within a commercial banking coverage environment, managing SME relationships and delivering credit-led banking solutions. Brings prior experience in personal and business loan sales, enabling strong client acquisition, needs assessment, and conversion capabilities. Skilled in credit analysis, portfolio management, financial statement review, and cross-functional coordination to support compliant and timely lending. Client-focused professional seeking opportunities in Small Business or Commercial Banking roles in international markets.
Overview
6
6
years of professional experience
5
5
years of post-secondary education
Work History
Relationship Manager - Small Business Banking
| Axis Bank
Mumbai
12.2025 - Current
- Managed and grew portfolio of small and medium-sized business clients, delivering tailored banking solutions to address cash-flow and growth needs.
- Acted as a trusted advisor to clients, strengthening long-term relationships and improving client retention and portfolio profitability.
- Identified and leveraged opportunities to deepen client relationships through deposit products, treasury solutions, merchant services, and digital payment platforms.
- Originated and structured business lending solutions including revolving credit facilities, term financing, and working capital lines.
- Performed financial analysis and credit assessment by reviewing financial statements, cash-flow projections, banking activity, and business performance trends.
- Prepared credit proposals and risk summaries in compliance with internal policies and regulatory standards.
- Collaborated with credit adjudication, risk, legal, and operations teams to ensure timely approval and funding of credit facilities.
- Monitored portfolio health and conducted periodic reviews to proactively identify credit risk and delinquency.
- Ensured adherence to KYC, AML, and compliance requirements throughout the client lifecycle.
Senior Manager - Sales, Unsecured loans
| Yes Bank |
04.2022 - 12.2026
- Progressed from Manager to Senior Manager, reflecting strong performance and consistent achievement of business targets.
- Drove acquisition and growth of personal and small business loan portfolios, with a focus on unsecured lending solutions.
- Designed and executed sales strategies to achieve targeted volume and productivity in competitive market.
- Developed and managed lending business through multiple sourcing channels, including branch networks, direct sales teams, and digital platforms.
- Built and maintained long-term client relationships, enhancing retention and generating repeat and referral business.
- Recruited, trained, and mentored direct sales teams, ensuring adherence to productivity and quality benchmarks.
- Reviewed lead quality and conversion metrics, delivering timely feedback to enhance sourcing effectiveness.
- Coordinated closely with credit, risk, operations, and product teams to ensure smooth processing and timely disbursement of loan applications.
Deputy Manager - Sales, Unsecured Loans
| HDFC Bank |
08.2020 - 03.2022
- Joined HDFC Bank through campus placement as a Management Trainee and progressed to Deputy Manager based on performance.
- • Sourced and sold personal and small business loans, focusing on unsecured lending products to meet customer needs.
- • Generated lending business through branch teams and external sales partners, while ensuring product and process adherence.
- • Planned and executed sales initiatives to meet assigned monthly and quarterly targets.
- • Cultivated long-term client relationships, driving repeat business and generating referrals.
- • Recruited, trained, and guided direct sales team members to achieve productivity benchmarks.
- • Analyzed lead quality and conversion trends, providing actionable feedback to sourcing teams to enhance lead outcomes.
- • Worked closely with credit, risk, operations, and product teams to ensure smooth processing and timely disbursement of loan applications.
Education
Post Graduate Diploma in Management - International Business
ITM Business School
Mumbai, India 07.2018 - 06.2020
Global immersion program -
Ecole de management de Normandie
Caen, France 06.2019 - 07.2019
Global immersion program -
Essca school of management
Budapest, Hungary 05.2019 - 06.2019
Bachelor of Business Administration - International Business
DY Patil University
Mumbai, India 06.2015 - 05.2018
Skills
- Credit analysis
- Financial statement analysis
- Cash flow analysis
- Risk assessment
- Client advisory
- KYC / AML compliance
- Business development
- MS Excel
- Portfolio management
Personal Information
Date of Birth: 10/07/1997
Hobbies and Interests
- Reading
- Travelling
- Swimming
- Photography
Certifications
- 7 band IELTS score (English language test)
- Duolingo top learner certificate (French language)
- Six sigma green belt
- HP Life certificate - Agile project management fundamentals
Awards
- Yes bank award for best sales manager in the North & West zone in Yes sprint challenge.
- Yes bank award for highest cross sell achievement in North & West zone.
- Yes bank award for best lead management and minimum TAT.
Languages
Malayalam
First Language
English
Advanced
C1
Hindi
Advanced
C1
Marathi
Intermediate
B1
Timeline
Relationship Manager - Small Business Banking
| Axis Bank
12.2025 - Current
Senior Manager - Sales, Unsecured loans
| Yes Bank |
04.2022 - 12.2026
Deputy Manager - Sales, Unsecured Loans
| HDFC Bank |
08.2020 - 03.2022
Global immersion program -
Ecole de management de Normandie
06.2019 - 07.2019
Global immersion program -
Essca school of management
05.2019 - 06.2019
Post Graduate Diploma in Management - International Business
ITM Business School
07.2018 - 06.2020
Bachelor of Business Administration - International Business
DY Patil University
06.2015 - 05.2018