GOVIND RAM
Jodhpur
Summary
A highly skilled and experienced Relationship Manager with team leadership and a strong track record of success in the banking industry. Possesses in-depth knowledge of financial products working capital solution and services, risk management, and regulatory compliance. Demonstrates a proven ability to develop and maintain long-term relationships with clients, identify new business opportunities, and provide exceptional customer service. Adept at analyzing financial statements, evaluating creditworthiness, and developing customized financing solutions to meet clients' working capital needs. Excellent communication, negotiation, and presentation skills. Works well under pressure, and consistently exceeds performance targets. Committed to maintaining the highest standards of professionalism and integrity.
Overview
8
8
years of professional experience
Work History
Senior Manager
Axis Bank ltd
JODHPUR
04.2025 - Current
- Managed a team of 10+ employees by providing guidance, setting goals and objectives, delegating tasks, and monitoring performance.
- Coordinated with internal departments to ensure successful execution of projects according to timeline and budget constraints.
- Mentored junior staff in the organization's business processes, customer service standards, and quality assurance protocols.
- Identified areas of improvement within existing operations through process analysis and benchmarking studies.
- Leadership role in planning annual budgets for each department based on forecasted sales volumes.
- Developed long-term relationships with key stakeholders including customers, suppliers, regulatory bodies.
- Implemented new technologies such as ERP systems or CRM tools to streamline business processes.
- Regularly evaluated customer satisfaction levels by surveying customer base and analyzing results.
- Developed and implemented strategic business plans to drive growth and profitability.
- Implemented customer service excellence standards to enhance client satisfaction and loyalty.
- Planned and delivered training sessions to improve employee effectiveness and address areas of weakness.
RELATIONSHIP MANAGER/SM- WORKING CAPITAL(OD/CC/TL/BG/CGTMSE)-SME (MANAGER)
AXIS BANK LTD
JODHPUR
11.2022 - Current
- Managing internally team of relationship managers and relationship officers.
- Responsible for retention of existing customers while bringing new customers on-board.
- Acquisition of NTB customer for working capital loan OD/CC/Term loan/CGTMSE/BG/importors-exportors Etc.
- Managing a portfolio of 150 clients with a portfolio size of 80 Cr and generating new business relationships to increase revenue and profitability for the bank.
- Analyze financial statements and creditworthiness of clients to provide better working capital solutions.
- Fulfilling credit requirements of SMEs, and other big corporates.
- Work closely with clients to develop customized financing solutions to meet their working capital and credit requirements.
- Monitor clients' financial performance and provide end-to-end banking solutions to increase portfolio size and health.
- Collaborate with internal teams, including credit risk, legal, and compliance, to ensure all lending activities comply with regulatory requirements and bank policies.
- Onboarding new HNI clients with the need for credit and increasing the asset side of the portfolio.
- Cross-selling need-based banking solutions to clients to ease their way of banking for them.
RELATIONSHIP MANAGER-AGRI BUSINESS GROUP-SMEWORKING CAPITAL (MANAGER)
KOTAK MAHINDRA BANK LTD
DELHI
04.2020 - 11.2022
- Acquisition of customer min topline of 800-1000 lakh. Min file login size of cases is 2 Cr and max 50 Cr.
- Managing a portfolio of 15 clients with a portfolio size of 65 Cr and generating new business relationships to increase revenue and profitability for the bank.
- Built and maintained strong relationships with clients, maintaining regular contact to understand their evolving financial needs and offer appropriate products and services.
- Actively sought new business opportunities and developed new client relationships, consistently exceeding sales targets.
- Worked on customer satisfaction by delivering exceptional service and addressing any issues promptly and effectively.
- Utilized advanced customer relationship management tools like reliability and CRM to manage client information and track progress toward target achievement and book size increase.
- Consistently received high-performance ratings in areas such as sales, customer satisfaction, and compliance.
Privy RELATIONSHIP MANAGER- BRANCH BANKING
KOTAK MAHINDRA BANK LTD
NEW DELHI
04.2019 - 04.2020
- Responsible for retention existing portfolio (55cr) customers while bringing new customers on-board.
- Responsible for CASA book growth month on month And open 12 CASA every month with high IP cheque.
- Cross-selling mutual fund, SIP, life insurance, general insurance, demat accounts. And insure to customer to increase their wealth mutual fund portfolio size.
- Cross-selling of POS EDC Machin to NTB and existing CA customers.
- Generating revenue for the branch and maintaining healthy working environment.
- Acquisition of Trade & Forex clients as well as assisting them with transactions and other banking needs.
- Acquisition of working capital, LAP, Home Loan and other lending products.
- Fulfill expectation of customers with the best possible solution.
RELATIONSHIP OFFICER-BRANCH BANKING (DEPUTY MANAGER)
KOTAK MAHINDRA BANK LTD
NEW DELHI
07.2018 - 04.2019
- Responsible for retention of existing portfolio (25cr) customers while bringing new customers on-board.
- Cross-selling various banking products LIKE LIFE INSURANCE, GENERAL INSURANCE, DEMAT ACCOUNT, SIP, MUTUAL FUND.
- Built and maintained strong relationships with clients, maintaining regular contact to understand their evolving financial needs and offer appropriate products and services.
- Actively sought new business opportunities and developed new client relationships, consistently exceeding sales targets.
- Consistently received high-performance ratings in areas such as sales, customer satisfaction, and compliance.
KOTAK SALES OFFICER PROGRAM -PGDRB- BANGALURU
KOTAK MAHINDRA BANK LTD
BANGALURU
06.2017 - 07.2018
- Responsible for learn semester vise semester of banking products, business of communication behavioral Program.
- Make sales presentations and pitch banking products in front of lecturer and colleagues Responsible for CASA book growth month on month.
- Learn Retail banking products, basic of lending, banking laws and regulations.
- Learn financial planning & Wealth management, commercial banking, Trade finance & foreign exchange.
- Done Project at kotak Mahindra bank ltd in branch banking with A+ grade.
- Got 8.64 CGPA in PGDRB program in Manipal University of BankingBangaluru.
- Learn about banking products in retail liability and Assets.
Education
Post-Graduation Diploma in Banking and Relationship -
Manipal Academy of Banking
BengaluruB. Tech -
BHSBIET (GOVT OF PUNJAB)
LEHRAGAGAIntermediate -
DAV SCHOOL
SRI GANGANAGAR, RAJHigh school -
VPSS
JAKHARANWALI, HANUMANGARH, RAJSkills
- Financial analysis
- Portfolio management
- Team Leadership
- Relationship building
- Customer retention
- Effective communication
- Time management
- Adaptability
- Problem - Solving
- Organizational Skills
- Sales
- Business development
- Regulatory compliance
- Risk management
- Need analysis
- Need creation
- Problem-solving
- Decision-making
Languages
- English
- Hindi
- Punjabi
- Local language (Marwari/Bagri)
Awards
- Received Anchors/supernova Award from MD/CEO Amitabh Chaudhry in Axis Bank Ltd.
- Received Portfolio Star performance appreciations from NSM, Axis Bank Ltd.
- Received Appreciation certificate from ZSM/RSM for contribution working capital loans in FY 2022-23 in Axis Bank Ltd.
- Received Medal & Appreciation certificate from Mr. President Virat Diwan Ji (President of Kotak Bank) for contribution in Life Insurance Business Kotak Mahindra Bank.
- Received Medal from Mr. President Virat Diwan Ji (President of Kotak Bank) for contribution in Trinity 2021.
- Received appreciation from Cluster head and Regional sales manager for contribution in selling POS EDC Machin in Kotak Mahindra Bank.
- Received appreciation from Cluster Head and Regional sales manager for contribution in opening NRI accounts in Kotak Mahindra Bank.
- Received Appreciation certificate (7 times) from Area Manager, RBM for contribution in Trinity in Kotak Mahindra Bank.
- Qualified DARE TARGET (LIFE INSURANCE TARGET) of JFM-2021.
- Received Appreciation certificates 5 times from RBM for contribution in Mutual fund and SIPs in Kotak Mahindra Bank.
- Received Appreciation certificate (7 times) and trophy (2 times) from Area Manager, RBM and Sr. RBM for contribution in Kotak General Insurance.
- Won (First Rank) National Contest Trinity ka Junoon of 2020.
- Won (First Rank) National level Contest Trinity Winter Hungama of 2018.
- Won (First Rank) National level Contest Trinity Monsoon Hungama of 2019.
Hobbies and Interests
- Travel
- Singing music
- Listening music
- Watching TV news channels
- Learning languages
- Marketing
Promotions
- Joined banking industries as a fresher in 2017.
- Got Deputy Manager grade as a Relationship Officer in 2018.
- Promoted to Privy Relationship Manager in 2019.
- Promoted to Working RM in ABG - SME Group in 2020 with the record of good performance.
- 5 year working with Kotak Mahindra Bank.
- Came in Nov 2022 with Axis Bank Ltd as a Relationship Manager- Working Capital- SBB-SME.
Languages
English
First Language
Technical skills
- Financial modelling
- Financial analyst
- Ms excel
- Tally
- Financial statements analysis
- Libre
- Business forecasting
certifications
- IRDA(LIFE- NON LIFE BOTH) CERTIFIED
- NISM DEPOSITORY CERTIFICATIED
- NISM MUTUAL FUND CERTIFICATIED
- Credit analyst
- Teacher - Lecturer Experience certification
Timeline
Senior Manager
Axis Bank ltd
04.2025 - Current
RELATIONSHIP MANAGER/SM- WORKING CAPITAL(OD/CC/TL/BG/CGTMSE)-SME (MANAGER)
AXIS BANK LTD
11.2022 - Current
RELATIONSHIP MANAGER-AGRI BUSINESS GROUP-SMEWORKING CAPITAL (MANAGER)
KOTAK MAHINDRA BANK LTD
04.2020 - 11.2022
Privy RELATIONSHIP MANAGER- BRANCH BANKING
KOTAK MAHINDRA BANK LTD
04.2019 - 04.2020
RELATIONSHIP OFFICER-BRANCH BANKING (DEPUTY MANAGER)
KOTAK MAHINDRA BANK LTD
07.2018 - 04.2019
KOTAK SALES OFFICER PROGRAM -PGDRB- BANGALURU
KOTAK MAHINDRA BANK LTD
06.2017 - 07.2018
Post-Graduation Diploma in Banking and Relationship -
Manipal Academy of Banking
B. Tech -
BHSBIET (GOVT OF PUNJAB)
Intermediate -
DAV SCHOOL
High school -
VPSS