Summary
Overview
Work History
Education
Skills
Personal Information
Certification
Languages
Accomplishments
Declaration
Timeline
Generic
Ganesh Raman

Ganesh Raman

Chennai

Summary

Senior banking professional with over 36 years of experience in retail banking, SME banking, branch management, investments, wealth management, sales, operations, compliance, and P&L management. Proven track record in building new business, managing profitable branches, leading large teams, improving customer relationships, and delivering consistent revenue growth. Experienced in handling retail liabilities, consumer and SME assets, trade and treasury products, mutual funds, insurance, PMS, forex, NRI banking, and corporate services. Strong expertise in branch profitability, business development, customer acquisition, risk management, regulatory compliance, and team leadership.

Overview

1
1
Certification
31
31
years of professional experience

Work History

Cluster Head / Vice President

Jana Small Finance Bank
Chennai
10.2019 - 05.2023
  • Led business development across retail liabilities, assets, SME banking, investments, and other financial products.
  • Oversaw branch profitability, revenue generation, customer acquisition, and portfolio growth to align with organizational goals.
  • Directed branch teams to meet business targets and uphold high service standards, enhancing customer satisfaction.
  • Managed the overall performance of the Kilpauk and Kodambakkam branches.
  • Collaborated with senior management and departments on business strategy, staffing, and operational matters to drive overall performance.
  • Handled customer escalations and maintained strong relationships with high-value clients.
  • Ensured compliance with internal policies, audit requirements, operational-risk guidelines, and regulatory standards.
  • Chennai – Kilpauk and Kodambakkam Branches

Partner – Loans, Investments and Financial Services

Zodiac Fin Corp
Chennai
08.2017 - 09.2019
  • Managed a partnership firm providing loans and financial products to retail and business customers.
  • Managed SME and business loans, addressing diverse lending requirements for clients.
  • Advised clients on mutual funds, life insurance, and portfolio management services.
  • Cultivated client relationships, generating business through referrals and targeted market outreach.
  • Assisted customers with product selection and documentation, ensuring compliance with financial-service standards.

AVP & Location Head

DBS Bank Ltd
Cuddalore
09.2010 - 08.2017
  • Managed the complete franchise and profit-center operations for the Cuddalore location.
  • Led business development, customer acquisition, portfolio growth, and branch profitability.
  • Built the business from inception and developed a strong portfolio across liabilities, assets, and cash-backed products.
  • Achieved breakeven for the business unit within 15 months of its inception.
  • Maintained nil NPA/delinquency in the portfolio during the relevant period.
  • Led the location become one of the strongest branches in terms of profitability.
  • Achieved the highest “Good Rating” in Group Internal Audits conducted in 2012, 2014, and 2016.

Assistant Vice President and Branch Head

ING Vysya Bank Ltd
Anna Nagar, Chennai
07.2008 - 08.2010
  • Directed revenue growth, profitability, operations, compliance, customer service, and people management initiatives.
  • Oversaw branch balance sheet of approximately ?150 crore, driving effective management of deposits and business banking.
  • Led team of 8 operations staff and 18 sales team members to achieve operational objectives.
  • Managed fixed deposits, life insurance, general insurance, mutual funds, PMS, and customer-acquisition initiatives.
  • Improved service quality and turnaround time across branch operations.
  • Consistently performed among the top in CASA sourcing and deepening during 2009 and 2010.
  • Achieved top regional revenue performance and was selected for Bangkok and Goa performance trips.

Regional Sales Manager – Investments and Services

ICICI Bank Ltd
Chennai
05.2007 - 06.2008
  • Generated approximately ?5 crore in revenue through branch network.
  • Provided tailored financial advice to high-value customers, corporate clients, and NRI clients.
  • Managed investment and third-party product sales across 10 Chennai branches.
  • Managed high-volume mutual fund transactions and selected NRI portfolios.
  • Handled life insurance, general insurance, gold, mutual funds, and forex products.
  • Collaborated with branches and internal teams to meet and exceed revenue targets.
  • Managed financial activities in Chennai Region.

Sales Manager – Investments and Services

ICICI Bank Ltd
Chennai
05.2005 - 04.2007
  • Directed sales of mutual funds, insurance, deposits, and third-party financial products, enhancing portfolio offerings.
  • Oversaw investment and service business across five Chennai branches, driving branch performance.
  • Aided branch teams in customer acquisition and cross-selling, contributing to overall revenue growth.
  • Provided product guidance and sales support to branch staff.

Assistant Manager 2 – Branch Operations and Branch Sales Head

ICICI Bank Ltd
Egmore, Chennai
12.2002 - 04.2005
  • Oversaw branch operations for branch with deposits exceeding ?50 crore and more than 10,000 customers, ensuring optimal service delivery.
  • Supervised branch sales, customer acquisition, deposits, mutual funds, insurance, RBI bonds, NRI accounts, and private-banking customer acquisition.
  • Managed back-office activities, including cash, fund transfers, demand drafts, pay orders, deposits, salary uploads, clearing, remittances, and demat services.
  • Resolved customer complaints and escalations while fostering strong relationships to enhance customer satisfaction.
  • Ensured compliance with bank policies, audit requirements, risk guidelines, and statutory procedures.
  • Compiled MIS reports and coordinated with regional offices and processing centers to streamline operations across departments.
  • Liaised with statutory authorities and external bodies, including the Income Tax Department, Sales Tax Department, Banking Ombudsman, and Consumer Forum.

Senior Officer – Corporate Service Department / Relationship Manager

ICICI Ltd
Bangalore
07.2002 - 11.2002
  • Managed corporate-client servicing and relationship management to enhance client satisfaction and retention.
  • Monitored corporate collections, recoveries, disbursements, and excess funds.
  • Executed fund transfers, ensuring timely resource availability for corporate operations.
  • Supervised a team of two employees.
  • Oversaw petty cash transactions, maintaining accurate records and ensuring compliance with expenditure policies.
  • Coordinated monthly statutory and internal audits.

Officer – Corporate Service Department / Relationship Officer

ICICI Ltd
New Delhi
10.1992 - 06.2002
  • Managed corporate-client servicing and relationship activities to strengthen client retention and satisfaction.
  • Handled collection notices, recoveries, disbursements, fund transfers, and account monitoring to ensure timely financial operations.
  • Collaborated with corporate-office departments and statutory authorities to streamline processes, enhancing operational efficiency.
  • Supported process improvements to enhance customer satisfaction and reduce complaints.
  • Prepared NPA statements, budget analyses, MIS reports, and other management reports.
  • Supervised a team of seven employees.
  • Assisted with internal audits, statutory audits, taxation matters, and operational reporting.

Education

Master of Business Administration - Marketing

Indira Gandhi National Open University
New Delhi
06-1990

Postgraduate - Commerce

Annamalai University
Chidambaram

Bachelor of Commerce -

Raja Sarfoji College
Thanjavur

Skills

  • Retail and SME Banking
  • Branch and Profit Center Management
  • Business Development and Revenue Growth
  • Retail Liabilities and Asset Products
  • Wealth Management and Investments
  • Mutual Funds, Insurance and PMS
  • Corporate and NRI Banking
  • Sales and Relationship Management
  • P&L Management
  • Credit and Working Capital Analysis
  • Operations and Risk Management
  • Audit and Regulatory Compliance
  • Customer Relationship Management
  • Team Building and Performance Management
  • MIS, Reporting and Business Strategy
  • MS Word
  • MS Excel
  • MS PowerPoint
  • Finacle Version 70
  • ILFA – Integrated Loan Financial Accounting
  • Symbols

Personal Information

  • Date of Birth: 1966-07-18
  • Marital Status: Married

Certification

Retail Banking – “Bank on Me”, Leadership – “Managing for Excellence”, Anti-Money Laundering, Advising Affluent Investors – Franklin Templeton, Mathematics of Investing – Franklin Templeton, Corporate Banking Client Engagement – “Trusted Advisor”, Credit Risk Management – India Ratings, Fitch Group, Asset Lending, Working Capital and Ratio Analysis, Applied Corporate Finance and SME Credit Appraisal, Personal Effectiveness – “7 Habits of Highly Effective People”, Managing Operational Risk, Banking Codes and Standards Board of India Guidelines, Leadership Excellence and Group Dynamics, MSME Lending – CRISIL

Languages

English, Tamil, Hindi, Malayalam

Accomplishments

  • Built and developed new banking businesses from inception.
  • Achieved breakeven for a new business unit within 15 months.
  • Managed branches and business units with strong profitability records.
  • Maintained nil NPA/delinquency in the relevant portfolio.
  • Generated approximately ?5 crore in revenue through investment and third-party products across 10 branches.
  • Managed a branch balance sheet of approximately ?150 crore.
  • Led large teams across sales, operations, retail banking, SME banking, and investments.
  • Achieved top performance in CASA sourcing, customer deepening, and regional revenue.
  • Received recognition through performance trips to Bangkok and Goa.
  • Achieved strong audit ratings and maintained high standards of compliance and operational control.

Declaration

I hereby declare that the information provided above is true and correct to the best of my knowledge and belief. Place: Chennai

Timeline

Cluster Head / Vice President

Jana Small Finance Bank
10.2019 - 05.2023

Partner – Loans, Investments and Financial Services

Zodiac Fin Corp
08.2017 - 09.2019

AVP & Location Head

DBS Bank Ltd
09.2010 - 08.2017

Assistant Vice President and Branch Head

ING Vysya Bank Ltd
07.2008 - 08.2010

Regional Sales Manager – Investments and Services

ICICI Bank Ltd
05.2007 - 06.2008

Sales Manager – Investments and Services

ICICI Bank Ltd
05.2005 - 04.2007

Assistant Manager 2 – Branch Operations and Branch Sales Head

ICICI Bank Ltd
12.2002 - 04.2005

Senior Officer – Corporate Service Department / Relationship Manager

ICICI Ltd
07.2002 - 11.2002

Officer – Corporate Service Department / Relationship Officer

ICICI Ltd
10.1992 - 06.2002

Master of Business Administration - Marketing

Indira Gandhi National Open University

Postgraduate - Commerce

Annamalai University

Bachelor of Commerce -

Raja Sarfoji College
Ganesh Raman