ANUPRIYA Chandran
Bangalore
Summary
Client-centric Banking Relationship Manager with 5+ years of experience specializing in Trade Finance, Forex, and Virtual Banking Services. Expertise in maximizing Wallet Share through aggressive cross-selling of Trade and FX products and strategic Pricing Strategy negotiation. Proven track record at Mashreq Bank (managed remotely from Bangalore, India) and ICICI Bank in managing complex cross-border solutions including Buyer’s Credit, Transfer LCs, and Assignment of Proceeds. Dedicated to delivering high-touch service while maintaining 100% adherence to UAE Central Bank and RBI compliance standards.
Overview
6
6
years of professional experience
1
1
Certification
Work History
Virtual Relationship Manager
MASHREQ BANK
04.2024 - Current
- Award: Recognized as "Best VRM for Quarter 2, 2025" for exceeding financial KPIs and service quality benchmarks.
- Portfolio Management: Efficiently manage a high-volume strategic portfolio of 600+ business clients, ensuring personalized service delivery and high retention rates through digital channels.
- Liability Growth & Portfolio Deepening: Focused on increasing the Business Liability base by driving Current Account (CA) balances through proactive digital engagement, portfolio scrubbing, and identifying opportunities to consolidate client funds within existing business accounts.
- Wallet Share Optimization (Trade & FX): Significantly increased portfolio revenue by penetrating utilization of FX Solutions and Trade Products, including Letter of Credit (LC), Bank Guarantee (BG), Cash Against Documents (CAD), Transfer LC, and Assignment of Proceeds.
- Pricing Strategy: Negotiated competitive FX rates and trade commissions with the Treasury and Product desks to ensure high conversion for large-scale corporate transactions.
- Transaction Auditing: Conducted rigorous daily audits of trade and remittance documentation to ensure full alignment with UAE Central Bank and Internal Audit standards.
- Dubai, UAE (Remote from Bangalore, India)
Product Sales Manager – Retail Trade & Forex (RTFX)
CSB BANK LTD
09.2023 - 04.2024
- Advisory Service: Partnered with 10 branch teams to provide specialized Forex and Trade advisory, focusing on rate fixation and risk mitigation.
- Forex Management: Facilitated complex inward/outward remittances with 100% regulatory accuracy and zero-error processing.
- India
Relationship Manager – Trade Finance
ICICI BANK LTD
01.2020 - 08.2023
- Trade Products & Offshore Funding: Expertly managed the full spectrum of Trade Finance products (LC, BG, PCFC), specifically structuring Buyer’s Credit facilities by coordinating with internal offshore banking units to secure low-cost foreign currency funding for domestic importers.
- FX & Remittance Operations: Handled high-volume Foreign Exchange transactions including Spot and Forward contracts; managed end-to-end inward and outward remittances (A1 & A2) while ensuring FEMA compliance and competitive rate offering.
- SBLC Management: Managed the issuance of Standby Letters of Credit (SBLC) and comfort letters required for securing international trade credit limits and facilitating cross-border fund flows.
- Portfolio Growth: Managed a high-value portfolio of MNC and SME clients, consistently increasing wallet share through 360-degree banking solutions (Assets, Liabilities, and Treasury).
- Risk Mitigation: Substantially reduced pending Bill of Entry (BoE) and Export Bill compliance items by 30% through proactive client follow-ups and documentation audits.
- Award: Won the "LORDS OF LOAN" award for excellence in asset-based relationship management.
- India
Education
Post Graduate Diploma - Banking & Finance
Manipal Academy of Higher Education
01.2020
Bachelor of Engineering -
Karpagam College of Engineering
01.2018
Skills
- Flexcube
- Pricing negotiations
- Customer relationship management
- Trade finance expertise
- Service support
- Performance analysis
- Trade OBTF
- Side Viewer
- Finacle/T24
- CRM Portals
- Portfolio Management
- Pricing Strategy
- LC/BG/CAD
- AML/KYC
- Business Liabilities
Certification
- NISM Series V-A (Mutual Fund)
- NISM Series VI (DP Operations)
- IRDA
Languages
- English (Fluent)
- Tamil (Native)
Personal Information
Nationality: Indian
Timeline
Virtual Relationship Manager
MASHREQ BANK
04.2024 - Current
Product Sales Manager – Retail Trade & Forex (RTFX)
CSB BANK LTD
09.2023 - 04.2024
Relationship Manager – Trade Finance
ICICI BANK LTD
01.2020 - 08.2023
Post Graduate Diploma - Banking & Finance
Manipal Academy of Higher Education
Bachelor of Engineering -
Karpagam College of Engineering