BALRAM RAGHUWANSHI
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. Detailed Client Service Associate known for having great organizational skills. Gifted at working with all types of customers. Looking for a new role where hard work and dedication will be highly valued.
Overview
9
9
years of professional experience
Work History
Manager
Indian Bank Association
Mumbai
08.2024 - Current
- Acquiring new transport operators and security printers for the bank.
- Analyze financial statements to assess the customer's creditworthiness.
- Conduct market research to identify potential business opportunities for growth.
- Responsible for the increase in the profitability of the organization by adding new customers.
- Managed and coordinated the portfolio of 200 customers, ensuring renewals and portfolio hygiene with minimal covenants.
Business Banking Relationship Manager
HDFC Bank Ltd
Indore
02.2023 - 07.2024
- Acquire new customers and maintain relationships with high-net-worth borrowers (loan amount approx.). 0.50 Cr to 50 Cr to ensure a high level of customer service in a variety of products (Working Capital Loan, Term Loan, Commodity-based Finance, CASA, and various Investment Plans).
- Managed and coordinated the portfolio of approximately fifty borrowers, with a portfolio size of approximately 500 crore.
- Analyze the financial statements to assess customer creditworthiness and title security documents.
- Managed the portfolio effectively through continuous monitoring of accounts and renewals, enhancement, retention, and ensuring portfolio hygiene with minimal open deferral and covenants.
Manager (Rural Enterprises)
Axis Bank Ltd
Pipariya
07.2021 - 09.2022
- Responsible for acquiring new customers, adding working capital, and other banking products.
- Focus on continually increasing the book size and profitability of the assigned portfolio.
- Analyze financial statements to assess the customer's creditworthiness, and also title security documents.
- Managed the assigned portfolio by ensuring timely renewals and timely closure of deferrals.
- Also, closely work with the Branch team to pitch other products, like liability, forex, and trade, to our existing customers.
Solution Manager (Enterprises Credit)
ICICI BANK LTD.
Indore
07.2016 - 01.2021
- Sourcing new customers for the business banking segment.
- Assess loan worthiness, and review financial statements.
- Managed the portfolio effectively.
- Interacting with other departments to process credit limits to ensure a high level of customer service.
Education
BBA - Finance
Pune University
Pune, Maharashtra12.2024
MBA - Banking & Finance
Manipal University
Bangalore, Karnataka12.2016
12th -
Bharat Mata Convent Senior Secondary School
Ganj Basoda, M.P.12.2011
Skills
- Financial analysis
- Relationship management
- Business development
- Portfolio management
- Market analysis
- Business analysis
- Compliance
- Marketing
- Risk assessment
Languages
- English
- Hindi
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
MBA - Banking & Finance
Manipal University
12th -
Bharat Mata Convent Senior Secondary School
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