Kavitha S Rai
Bangalore
Summary
Seasoned private banker with 23 years of experience across Citibank and Axis Bank, with deep expertise in private banking segment. Proven track record in managing HNI and UHNI client relationships, delivering holistic wealth solutions, and building long-term, trust-based partnerships. Recognized multiple times for outstanding performance through the Regional Chairman's Council (RCC) awards, and selected for international training at NUS Singapore. Known for strong compliance discipline, consistently high NPS scores, and a client-first approach. Seasoned Private Banker with a solid background in providing high net worth clients with personalized financial services. Possess strong skills in wealth management, portfolio growth strategies, and relationship building. Proven track record of developing new business opportunities and fostering client loyalty. Demonstrated ability to deliver top-level customer service while maintaining strict compliance with banking regulations and standards.
Overview
24
24
years of professional experience
Work History
Senior Partner - Burgundy Private Banking
Axis Bank
Bangalore
04.2023 - Current
- Managing HNI/UHNI client portfolios with a focus on AUM growth and relationship deepening.
- Providing customized investment, lending, and banking solutions aligned to client goals
- Maintaining high NPS scores year-on-year through proactive engagement and service excellence.
- Strict adherence to compliance, KYC, AML, and regulatory requirements.
- Coordinating with the respective teams for seamless execution and client satisfaction.
Citibank Citigold & CPC Banker
Citibank
Bangalore
05.2012 - 03.2023
- Managed long-standing Citigold / Private Banking client relationships
- Delivered comprehensive wealth solutions across investments, credit, and forex
- Guided clients through multiple market cycles with disciplined advisory approach
- Consistently achieved strong client retention and revenue growth
- Regional Chairman's Council (RCC) Winner - 2019
- Known for excellent NPS scores and strong compliance record
- Private Banking
Citigold Relationship Manager Jaynagar Branch
Citibank
Bangalore
01.2010 - 12.2012
- Managed HNI Citigold portfolios with focus on advisory-led engagement.
- Acquired new affluent clients and expanded wallet share.
- Conducted regular portfolio reviews and investment strategy discussions.
Relationship Manager
Citibank
Mumbai
01.2006 - 12.2009
- Handled premium client relationships at flagship branches
- Delivered tailored banking and investment solutions
- Regional Chairman's Council (RCC) Winner - 2006
- Air India Branch & Fort Branch
Credit Card & Loan-on-Phone (LOP) Sales
Citibank
Bangalore
01.2004 - 12.2006
- Drove credit card acquisition and LOP sales
- Developed strong sales, negotiation, and customer engagement skills
Citiphone Officer
Citibank
Bangalore
01.2002 - 12.2004
- Began career in phone banking operations
- Delivered high-quality customer service and cross-selling solutions
- Built strong foundation in banking products and client handling
- Citiphone Banking
Education
Master's Degree - English Literature
Bachelor's Degree - English Literature & Psychology
Post Graduate Diploma - Business Management
Skills
- Private banking and wealth management
- HNI / UHNI relationship management
- Wealth management and asset allocation
- Mutual funds
- Insurance
- PMS
- AIFs
- Structured Products
- Credit Solutions
- Forex & Treasury Products
- Client Acquisition & Retention
- Customer Experience & NPS Excellence
- Financial Planning & Portfolio Review Tools
Accomplishments
- Regional Chairman's Council Winner - 2006
- Regional Chairman's Council Winner - 2019
- Selected for Leadership / Training Program at NUS, Singapore - 2016
- Consistently maintained very strong NPS scores year-on-year
- Recognized for strict compliance adherence and completion of all mandatory certifications
Personal Information
Title: Senior Private Banker | Wealth Management Professional
Certifications And Compliance
- Completed all mandatory banking and regulatory certifications as per organizational requirements
- Strong record of adherence to KYC, AML, compliance, and risk policies
- Continuous learning through internal and external certification programs
Core Expertise
- Private Banking & Wealth Management
- HNI / UHNI relationship management
- Wealth Mangement & Asset Allocation
- Mutual Funds, Bonds, PMS, AIFs & Structured Products
- Credit Solutions (LAS, Home Loans, Business Loans)
- Forex & Treasury Products
- Client Acquisition & Retention
- Regulatory Compliance
- Customer Experience & NPS Excellence
Timeline
Senior Partner - Burgundy Private Banking
Axis Bank
04.2023 - Current
Citibank Citigold & CPC Banker
Citibank
05.2012 - 03.2023
Citigold Relationship Manager Jaynagar Branch
Citibank
01.2010 - 12.2012
Relationship Manager
Citibank
01.2006 - 12.2009
Credit Card & Loan-on-Phone (LOP) Sales
Citibank
01.2004 - 12.2006
Citiphone Officer
Citibank
01.2002 - 12.2004