BALRAM RAGHUWANSHI
Banking Professional
Mumbai
Summary
Increasing revenues and profits through expertise in business research and development, relationship management, and unparalleled service delivery for growth of company and self. Banking Financial Expertise in Retail Banking Group Personable and dedicated customer service representative with extensive experience in industry. Positive attitude and proven skill in establishing rapport with clients. Motivated to maintain customer satisfaction and contribute to company success. Articulate, enthusiastic and results-oriented with demonstrated passion for building relationships, cultivating partnerships and growing businesses.
Overview
9
9
years of professional experience
2017
2017
years of post-secondary education
2
2
Languages
Work History
Manager
Indian Bank Association
08.2024 - Current
- Arranging sanctions and other payments to various vendors.
- Seeking and compilation of views of various stakeholders.
- Handling day to day inward and outward correspondence with stakeholders.
Business Banking Relationship Manager
HDFC Bank Ltd
02.2023 - 07.2024
- To build and maintain relationship with high-net-worth borrowers (Loan amount approx. 0.50 Cr to 50 Cr) to ensure high level of customer service in varieties of products (Working Capital Loan, Commodity based Finance).
- Managed and coordinated the Working capital portfolio of Approx fifty borrowers with portfolio size of Approx 500 Cr.
- Searching new business opportunities in new and existing market and increase customer base through cross-selling products and services.
Manager (Rural Enterprises)
Axis Bank Ltd
07.2021 - 09.2022
- Work Closely with Branch Banking teams for new Working capital customer addition.
- Focus to continually increase the Book Size and profitability of assigned portfolio.
- To Understand client business models, trade relative activities, cash flows etc and identify opportunities and grow client relationship.
- To Manage the existing portfolio by building strong customer relationship.
Solution Manager (Enterprises Credit)
ICICI BANK LTD.
07.2016 - 01.2021
- Preparing the reports of clients for their credit limit setup and Overdraft limit after analyzing their balance sheets, Audit reports and several other prospectuses to accomplish the risk analysis for bank.
- Assess loan worthiness and review financial statements.
- It involves calculating income, ratios, and borrower repayment ability in accordance with the applicable statutory guidelines.
- Also to review credit history, available assets and liabilities to determine the risk associated with Client.
- Effectively combined and analyze data from variety of sources and provided clients with concise and actionable solutions in accordance with business needs.
- Distilled business data into actionable ideas and meaningful reports through analysis.
- Review Decisions taken by Risk Analysts and making recommendations for improving risk assessments and mitigation practices.
- Interacting with other departments to process Credit limits to ensure high level of customer service.
Education
MBA - Banking & Finance
Manipal University
Bangalore, KarnatakaBBA - Finance
Pune University
Pune, Maharashtra12th - undefined
Bharat Mata Convent Senior Secondary School
Ganj Basoda, M.P.Skills
- Financial analysis
- Relationship management
- Business development
- Compliance
- Marketing
- Customer Service
Travelling, Sports, Music and Reading
I like to Play Badminton and Enjoy music in my leisure time.
Timeline
Manager
Indian Bank Association
08.2024 - Current
Business Banking Relationship Manager
HDFC Bank Ltd
02.2023 - 07.2024
Manager (Rural Enterprises)
Axis Bank Ltd
07.2021 - 09.2022
Solution Manager (Enterprises Credit)
ICICI BANK LTD.
07.2016 - 01.2021
BBA - Finance
Pune University
12th - undefined
Bharat Mata Convent Senior Secondary School
MBA - Banking & Finance
Manipal University
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