I SAGAYARAJ RAMESH
Chennai
Summary
Experienced professional with a proven track record in planning and executing successful events and initiatives. Demonstrates strong leadership and strategic thinking skills, resulting in enhanced client relations and satisfaction. Recognized for building lasting relationships and attracting new clients through effective communication and networking. .
Overview
27
27
years of professional experience
1
1
Certification
Work History
Senior Vice President –Head Debt Syndication
Intequant Advisors LLP
R A Puram
05.2025 - Current
- Achieved debt mandates for two clients in Bangalore, one in Chennai, and one in Kochi, totaling Rs 120cr.
- Engaged with senior PSU bank officials to process proposals based purely on merit.
- Performed comprehensive credit due diligence on client promoters and their business strategies.
- Facilitated effective communication between banks and clients for seamless proposal submission.
- Worked closely with analysts to tailor credit limits according to client business models and market trends.
Zonal Head – South
RBL Bank Ltd
G N Chetty Road, T. Nagar
01.2023 - 04.2025
- Managed entire markets in Tamil Nadu, Karnataka, Telangana, AP & Kerala with 20-member team.
- Established Business Banking Group from ground up, securing a Rs 450 crore asset portfolio.
- Played key role in drafting new credit policy for Business Banking Group.
- Cultivated new client relationships to boost market share and ensure profitability.
- Leveraged Branch Banking Team partnerships to drive asset lead generation.
- Realized asset and revenue targets via strategic cross-selling from existing clientele.
- Ensured zero delinquency in maintaining asset portfolio.
- Delivered credit proposals to committee for essential approvals.
Micro Market Strategist – Business Development Head - South
DBS Bank India Ltd
Chennai
01.2022 - 01.2023
- Spearheaded business oversight from branch, developing SME client base within one cluster.
- Propelled revenue growth of geographical cluster via asset and liability team initiatives.
- Managed the expansion of asset and liability books across SME and CBG businesses.
- Facilitated profitable, high-quality client onboarding strategies.
- Guided profit and loss management to foster local market franchise development.
- Implemented rigorous audit and control systems aligned with bank philosophy.
Co-Founder & COO
Seed 2 Scale Capital LLP
07.2019 - 02.2022
- Established corporate advisory firm specializing in mid-market and SME sectors within Tamil Nadu.
- Delivered comprehensive advisory services, from securing private equity for start-ups to debt syndication for larger enterprises.
- Acted as catalyst for SMEs and corporations to secure funding that drives growth.
- Adhered to four key principles: time-sensitive mandates, optimal pricing for capital, informed decision-making, and regional connectivity.
Vice President-2 & Cluster Head – Chennai 2
RBL Bank Ltd (Formerly: The Ratnakar Bank Ltd)
No 29, Radhakrishnan Salai, Mylapore
11.2012 - 06.2019
- Managed portfolio of clients with turnover ranging from 25 crore to 1500 crore, achieving set targets.
- Established uniform sales processes across relationship managers to enhance efficiency.
- Enhanced productivity through targeted initiatives for relationship managers.
- Monitored pricing deviations and maximized cross-selling opportunities to increase profitability.
- Fostered compliance culture within the sales process to ensure regulatory adherence.
- Ensured timely reporting in accordance with established deadlines and formats.
- Implemented self-audit mechanisms for asset portfolio management.
- Executed timely closure of all sanctions, compliance issues, escalations, and disbursements.
Vice President - Large Corporate & MNC Sales
The Hongkong and Shanghai Banking Corporation Ltd
Chennai
05.2011 - 10.2012
- Managed mid-corporate, large corporate, and global banking segments in Tamil Nadu and Kerala.
- Achieved sales targets for factoring products consistently.
- Grew new-to-bank business and revenue month-over-month.
- Supported relationship managers in corporate banking with product sales initiatives.
- Generated sales leads from internal and external sources for team enhancement.
- Identified underutilized assets and maximized usage of available limits.
Regional Manager – Tamilnadu (Chennai)
IndusInd Bank Ltd
T. Nagar
04.2009 - 04.2011
- Led a team of 7 Relationship Managers in core working capital loans and trade finance.
- Achieved budget and sales projections through strategic revenue growth initiatives.
- Managed portfolio risks to minimize potential slippage into non-performing assets.
- Generated sales leads from internal and external sources to enhance business opportunities.
- Implemented robust early warning systems to mitigate account slippage risks.
- Delivered operational training to Relationship Managers for efficient transaction execution.
Senior Relationship Manager & Cluster Head - Chennai
The Royal Bank of Scotland (erstwhile ABN Amro Bank N.V.)
Chennai
10.2005 - 04.2009
- Prospected corporates with turnover between INR 10 million and INR 1 billion aligned with bank's risk appetite.
- Structured diverse financial products, including Trade and Derivatives, based on corporate requirements.
- Assisted credit analyst in developing comprehensive credit proposals, focusing on pricing and product profitability.
- Negotiated terms collaboratively with Credit team and corporates to achieve mutual agreements.
- Coordinated with Legal and Credit Administration Department for documentation and disbursement processes.
- Monitored relationships through periodic review proposals and midterm financial assessments.
- Expanded banking lines with existing clients to enhance portfolio value.
- Maintained adherence to audit standards while ensuring projected relationship profitability.
Relationship Manager – Sales, Chennai & Coimbatore
HDFC Bank Ltd
Chennai
03.1999 - 10.2005
- Developed and monitored quality asset portfolio focused on LC Bill Discounting for Chennai and Coimbatore markets.
- Identified Small and Medium Enterprises aligned with bank's risk appetite.
- Structured products to meet specific requirements of companies.
- Prepared credit proposals for LC Bill Discounting, securing approval from credit committee.
- Coordinated with loan service team to facilitate timely release of credit lines.
- Collaborated with operations team to ensure efficient disbursement processes.
Education
M.B.A. -
Annamalai University
Chidambaram01.2005
M.A. - Public Administration
Annamalai University
Chidambaram01.2001
M.com -
Annamalai University
Chidambaram01.1998
B.com -
Loyola College (autonomous)
Chennai01.1996
H.S.C.–XII -
St. Mary’s Anglo Indian High Sec. School
Chennai01.1993
A.I.S.L.C.–X -
St. Mary’s Anglo Indian High Sec. School
Chennai01.1991
Skills
- Debt syndication
- Credit analysis
- Financial modeling
- Regulatory compliance
- Risk management
- Client relationship management
Languages
- English
- Tamil
Certification
Negotiations Strategy, Indian School of Business
Personal Information
- Date of Birth: 02/13/76
- Gender: Male
- Nationality: Indian
Qualities
- Leadership
- Teamwork
- Problem-solving
- Communication
- Adaptability
- Negotiation
Timeline
Senior Vice President –Head Debt Syndication
Intequant Advisors LLP
05.2025 - Current
Zonal Head – South
RBL Bank Ltd
01.2023 - 04.2025
Micro Market Strategist – Business Development Head - South
DBS Bank India Ltd
01.2022 - 01.2023
Co-Founder & COO
Seed 2 Scale Capital LLP
07.2019 - 02.2022
Vice President-2 & Cluster Head – Chennai 2
RBL Bank Ltd (Formerly: The Ratnakar Bank Ltd)
11.2012 - 06.2019
Vice President - Large Corporate & MNC Sales
The Hongkong and Shanghai Banking Corporation Ltd
05.2011 - 10.2012
Regional Manager – Tamilnadu (Chennai)
IndusInd Bank Ltd
04.2009 - 04.2011
Senior Relationship Manager & Cluster Head - Chennai
The Royal Bank of Scotland (erstwhile ABN Amro Bank N.V.)
10.2005 - 04.2009
Relationship Manager – Sales, Chennai & Coimbatore
HDFC Bank Ltd
03.1999 - 10.2005
M.B.A. -
Annamalai University
M.A. - Public Administration
Annamalai University
M.com -
Annamalai University
B.com -
Loyola College (autonomous)
H.S.C.–XII -
St. Mary’s Anglo Indian High Sec. School
A.I.S.L.C.–X -
St. Mary’s Anglo Indian High Sec. School
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