Balakumar Ravichandran
Senior Manager - Cards
Bangalore
Summary
Career Synopsis
Forward-thinking Senior Manager adept at managing teams of 10 employees with 2 direct reports to accomplish challenging objectives. Imparts clear vision to guide cohesive, high-performing teams.
Overview
14
14
years of professional experience
3
3
Languages
Work History
Senior Manager
HDFC Bank Ltd
04.2025 - Current
- Developing and implementing a comprehensive digital acquisition strategy for HDFC core and Co brand credit cards
- Conducting market research and competitive analysis to understand and identify new growth opportunities.
- Collaborating with internal and external stakeholders to ensure a seamless digital application customer experience.
- Conducting risk assessments on existing and new customers.
- Monitoring and investigating suspicious transactions to prevent money laundering activities.
- Hiring, onboarding, training , mentoring and coaching sales representatives to maximize productivity.
- Developing and executing sales plan, strategies and promotional campaigns to drive revenue.
- Set and monitor KPI on a peridoical basis and conduct performance reviews.
Senior Virtual Relationship Manager
Mashreq Global Services
04.2021 - 04.2025
- Responsible for fostering and managing relationships with assigned portfolio clients in a virtual telesales environment
- Execute foreign currency transactions for clients offering special rates.
- Upsell, cross-sell, and provide regular market information and updates to the assigned customers.
- Achieve, maintain and grow revenue targets through foreign exchange
- Investigating and escalating potential compliance issues.
- Reviews the internal rules and processes to prevent financial crimes
- Awarded top performer employee of the year 2023 with a YTD of 178%
- Consistent rating of Outstanding for 2022 and 2023.
Key account Manager
IndusInd Bank
09.2020 - 03.2021
- To acquire new clients through leads and grow the liability base (CASA/FD) by deepening the relationship of mapped customer base.
- To sell bank and third party products like Life Insurance, Health Insurance, Home loan, Loan against property, Credit cards and personal loans
- To service clients covering all their banking needs
- To meet/call mapped customers for client servicing and new products cross sell.
Client Care Executive - Telesales
Standard Chartered GBS
06.2014 - 07.2019
- Responsible for promoting and selling financial products(loans, credit cards,insurance,account,forex) to new and existing customers via telesales
- Proactively contact prospects to sell, cross sell other banking products.
- Generate leads , explain product features, address customer queries and update CRM system.
- Achieve and exceed weekly/monthly sales targets for product acquisition and closures.
- Maintain detailed record of customer interactions, conversations and transactions.
- Adhere to all banking regulations, data policies and security guidelines.
CSE-A Processing
HSBC HDPI
01.2013 - 05.2014
- Handle incoming calls, provide support , resolving issues and answering inquiries regarding products/services.
- Providing detailed information on product/services and potentially identifying customers for upselling/cross selling.
- Maintaining high quality customer service, meeting service and sales targets and maintain Average Handling time within the given limits.
- Maintain customer interactions and update systems accordingly.
- Monitoring financial transactions. investigating suspicious activities like unsual deposits or transfers , ensuring compliance with regulators.
Associate Operations
WNS Global Services
05.2012 - 01.2013
- Handling inbound calls and answering customer queries of Aircel postpaid customers being the first point of contact
- Provide assistance over billing cycle and payment details with new connections offering.
- Marketing new plans and promotions through telesales channels.
- Addressing customer queries through emails and follow up till resolved.
Education
B.Tech - Information Technology
Anna University
Chennai, India 04.2001 -
Skills
Strategic planning
Data-driven decision making
Resource allocation
Operations planning
Market analysis
Business performance management
Team leadership
Sales channel analytics
Team development
Decision-making
Customer relationship management
Timeline
Senior Manager
HDFC Bank Ltd
04.2025 - Current
Senior Virtual Relationship Manager
Mashreq Global Services
04.2021 - 04.2025
Key account Manager
IndusInd Bank
09.2020 - 03.2021
Client Care Executive - Telesales
Standard Chartered GBS
06.2014 - 07.2019
CSE-A Processing
HSBC HDPI
01.2013 - 05.2014
Associate Operations
WNS Global Services
05.2012 - 01.2013
B.Tech - Information Technology
Anna University
04.2001 -