Karishma Kumari
Portfolio Manager
Summary
· An IIM Jammu alumna with over one year of experience in the financial services sector, specializing in client relationship management, strategic marketing initiatives, and comprehensive financial analysis, supported by a consulting background.
· Currently working as a Relationship Manager/Portfolio Manager at Kotak Mahindra Bank, handling credit assessments, portfolio optimization, and MIS reporting.
· .Demonstrated effective leadership by successfully managing cross-functional teams to deliver exceptional service and develop innovative financial products tailored to client needs.
Overview
7
7
years of professional experience
2
2
years of post-secondary education
3
3
Certifications
Work History
Relationship Manager/Portfolio Manager
Kotak Mahindra Bank
06.2023 - Current
- Credit Appraisal
- Acquisition of new client relationships of companies with a turnover between Rs 25 cr to Rs 750 cr
- In-depth analysis of the Balance Sheet and P&L Statement, bank statements, banking arrangement, financial ratios, management risk, industry risk, and prevalent market and economic conditions
- Market scoping & research through various channels, establishing touchpoints with a new prospect through client meetings, and structuring of deals as per the business requirement of the client
- Strategy, New Client Acquisition
- Benchmarking companies and doing industry analysis for market scoping to identify prospective clients with requirements of financial solutions in terms of working capital and trade products
- Enabling 360 relationships by providing customer-centric banking solutions as per requirement
- Stakeholder Management
- Liaised across three verticals of bank: Operations, Compliance, and Product to optimize productivity
- Handling credit assessments, portfolio optimization, and MIS reporting
- Portfolio Management
- Managing relationships of over 15 clients as part of the portfolio of Rs 140 Cr plus and assessing their business requirements and enhancements aligning them with the company's overall objectives
- Enhancing due diligence and monitoring portfolio performance of existing clients and ensuring compliance with statutory requirements, ensuring quality assets for the bank
- Received the Kotak Star Rising award for exceptional performance in Feb-FY25
- Additionally, Received certificate for the best NTB RM award within the first year of employment in July 2024
- Awarded for the fastest completion of training modules among all trainees, while ensuring a commitment to excellence and rapid skill acquisition
Digital Marketing & SEO Intern
Microtek Learning
05.2022 - 07.2022
- Improved on-page SEO performance, resulting in page speed improvement of 70% & increase in monthly organic traffic of 24%
- Bolstered blog content with attention to SEO & keyword research, helping drive total site traffic by 72%
- Studied analytics in Google Search Console, identified low-performing content and recommended solutions that improved content performance by an average of 30%
Strategic Consultant Intern
Jiyonwall
04.2022 - 06.2022
- Developed a marketing strategy using Fogg Behavior Model and presentation pitch to promote the live yoga sessions to different category of customers like Gen Z, Boomer, Millennials, Working Professionals which helped in customer acquisition by 20%
- Generated reports on MS Excel & PowerPoint to conduct trend analysis & research on competitors, identifying target markets which leveraged customer retention by 15%
Marketing Research & Strategic Intern
Tutor101
01.2022 - 03.2022
- Collaborated with team of 10+ qualified tutors and subject experts to design & develop engaging learning experiences, resulting in 99% positive feedback from survey scores
- Piloted new e-Learning course with 70+ signups, resulting 17% increase in revenue
- Developed a unique cost analysis approach to advertise & attract 100+ tutors per week so that they get registered on Tutor101, which decreased the advertising cost by 10%
Strategy & Finance Intern
Aim India Pvt.Ltd
10.2021 - 12.2021
- Designed business sales proposals for potential customers using MS Excel & PowerPoint to get applauded by the manager and appreciated with the “Best PPT” certificate at the end of the Internship
- Performed detailed analysis using MS Excel of customers financial situation and lifestyle to identify insurance needs and available budget, which hiked the sales revenue by 15%
Finance & Accounting Intern
Ratnesh Pandey & Associates Chartered Accountants
09.2017 - 03.2018
- Prepared books of accounts, made ledger and journal entries of various clients
- Made financial reports and built client relationship that further enhanced my people skills
Education
MBA -
IIM (Jammu)
01.2021 - 01.2023
B.COM - undefined
Bareilly College
XII - undefined
K.V.NO.2JLA Bareilly Cantt ( CBSE )
X - undefined
K.V.NO.2JLA Bareilly Cantt ( CBSE )
Skills
- Data Visualization
- Detail-oriented
- Leadership skills
- Advanced MS Excel Skills
- Word
Websites
Certification
'Excel Skills for Business: Essentials' offered on Coursera
Accomplishments
- Cleared CA CPT exam in 2015
- Finished at the Top in the 12 team selected in the India Regional Qualifier of Cesim Elite 2022 Business Simulation Competition.
Leadership Positions
Founder, Prodigi, Utilized BTL tactics for a 40% increase participation, campus competitions., Enhanced business visibility using digital tools, collaborated with Dr.PS Body Shop clinic.
Timeline
Relationship Manager/Portfolio Manager
Kotak Mahindra Bank
06.2023 - Current
Digital Marketing & SEO Intern
Microtek Learning
05.2022 - 07.2022
Strategic Consultant Intern
Jiyonwall
04.2022 - 06.2022
Marketing Research & Strategic Intern
Tutor101
01.2022 - 03.2022
Strategy & Finance Intern
Aim India Pvt.Ltd
10.2021 - 12.2021
MBA -
IIM (Jammu)
01.2021 - 01.2023
Finance & Accounting Intern
Ratnesh Pandey & Associates Chartered Accountants
09.2017 - 03.2018
B.COM - undefined
Bareilly College
XII - undefined
K.V.NO.2JLA Bareilly Cantt ( CBSE )
X - undefined
K.V.NO.2JLA Bareilly Cantt ( CBSE )