ANANDHU K M
THIRUVANANTHAPURAM
Summary
Dynamic and results-driven Banking Professional with 7+ years of experience in Retail and NRI Banking, specializing in relationship management, deposit mobilization, wealth product sales, and client portfolio growth. Currently working as an NRI Relationship Manager at IDFC FIRST Bank, managing a large portfolio of NRI clients and delivering customized banking and investment solutions. Proven track record of achieving quarterly business targets, driving cross-selling revenue, and delivering high-quality customer service. Recognized multiple times for outstanding insurance business performance, sales excellence, and customer engagement initiatives.
Overview
8
8
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work History
NRI RELATIONSHIP MANAGER |
IDFC FIRST BANK
08.2022 - Current
- Promoted from First Select Relationship Manager to NRI Relationship Manager in 2024, recognizing strong performance and business contribution.
- Manage a portfolio of 400+ NRI clients, delivering customized banking, investment, and wealth management solutions.
- Drive New-To-Bank (NTB) client acquisition while strengthening relationships with existing customers.
- Consistently achieve quarterly revenue and cross-selling targets across key banking products.
- Promote insurance, deposits, and investment solutions to enhance customer wallet share and overall portfolio value.
- Ensure activation and utilization of key banking services, including digital and transaction banking platforms.
- Collaborate with internal teams to ensure seamless service delivery, operational efficiency, and high customer satisfaction.
RELATIONSHIP MANAGER - (Microfinance) |
AXIS BANK
06.2018 - 08.2022
- Build and maintain strong relationships with customers, supporting business growth and enhancing client satisfaction.
- Identify opportunities to generate new business and expand the customer base through proactive engagement.
- Develop financial forecasts, business plans, and performance objectives aligned with organizational goals.
- Oversee key operational aspects including customer service, administration, distribution, and sales in line with the bank's policies and objectives.
- Consistently meet business goals and performance metrics while ensuring efficient resource utilization.
- Monitor performance to identify improvement areas and implement corrective strategies that support sustainable growth and operational efficiency.
Education
B.Com -
Annamalai University
THIRUVANANTHAPURAM 05.2018 - 09.2020
PLUS TWO -
Govt MODEL BHSS Thycaud
THIRUVANANTHAPURAM 03.2009 - 03.2011
SSLC -
Govt MODEL BHSS Thycaud
THIRUVANANTHAPURAM 03.2008 - 03.2009
Skills
NRI Banking & Relationship Management
CASA Acquisition & Deposit Mobilization
Portfolio Management
Wealth Management & Investment Advisory
Life Insurance & Third-Party Product Sales
Client Relationship Management
Cross-Selling & Revenue Generation
New-To-Bank (NTB) Client Acquisition
Regulatory Compliance (KYC / AML / FEMA)
Digital Banking & Transaction Services
Customer Service & Client Retention
Financial Product Advisory
Sales Target Achievement & Business Development
Risk Assessment & Compliance Monitoring
Communication & Negotiation Skills
Achievements And Awards
- Achieved 120% of quarterly business targets, contributing significantly to branch liability growth.
- Exemplary Performer Award - Life Insurance Business (Q2 2023) at IDFC FIRST Bank for outstanding performance in insurance sales.
- Consistent achiever of branch quarterly business targets, demonstrating strong sales and relationship management capabilities.
- Successfully completed Year-to-Date (YTD) business targets with strong cross-selling performance across banking products.
- Quarterly incentive achiever through consistent business generation and product activation.
- Ensured regular activation and usage of key banking products and services among customers.
- Achiever in multiple internal performance contests including: GOAT Contest, Diwali Dhamaka Campaign, Dazzling December Sales Drive, ACE Award - HR Recognition,OND Bonanza Campaign Achiever (Q3 2025), December Blitz Campaign.
KEY BUSINESS ACHIVEMENTS
- Generated ₹19 Cr CASA growth from the NRI client portfolio through effective relationship management and deposit mobilization.
- Sourced 80+ New-To-Bank (NTB) NRI accounts in FY 2025, contributing to portfolio expansion and business growth.
- Achieved ₹63 Lakhs in Life Insurance premium business through strong advisory and cross-selling capabilities.
- Successfully managed a ₹72 Cr client portfolio, delivering customized banking, investment, and wealth solutions.
Certification
IRDA
Languages
- MALAYALAM
- ENGLISH
- HINDI
References
AMBILI JITHESH (NR AREA SALES HEAD)
7304909740
SAJIL V S (BRANCH MANAGER)
7907070046
Timeline
NRI RELATIONSHIP MANAGER |
IDFC FIRST BANK
08.2022 - Current
RELATIONSHIP MANAGER - (Microfinance) |
AXIS BANK
06.2018 - 08.2022
B.Com -
Annamalai University
05.2018 - 09.2020
PLUS TWO -
Govt MODEL BHSS Thycaud
03.2009 - 03.2011
SSLC -
Govt MODEL BHSS Thycaud
03.2008 - 03.2009