Krishnan Ganesan
VRBH
Chennai
Summary
10 years of comprehensive customer service and sales expertise in banking
Overview
10
10
years of professional experience
5
5
Languages
Work History
VRBH (Virtual Relationship Banking Head)
HDFC Bank
11.2021 - Current
- Leading a 13-member Relationship Management team with end-to-end ownership of business performance, revenue growth, compliance, and portfolio expansion.
- Managing a high-value portfolio of ₹800 Cr, including Current Accounts, MSME lending (OD facilities), Insurance, Assets, Liabilities, and Credit Cards.
- Spearheaded CASA growth by ₹20 Cr, strengthening liability franchise and improving low-cost fund base.
- Driving MSME portfolio of ₹300 Cr, delivering structured working capital and OD solutions to business clients.
- Achieved an exceptional 240% of annual business targets, demonstrating strong execution and team performance management.
- Generated ₹2 Cr in Insurance Premium, with the highest individual premium of ₹20 Lakhs and successfully developing MDRT qualifiers within the team.
- Strengthened HNI & NRI portfolio relationships through strategic face-to-face engagements, liability enhancement, and financial advisory discussions.
- Improved cross-sell penetration and wallet share across the portfolio, significantly enhancing overall profitability.
- Built a high-performance culture through mentoring, structured reviews, and KPI-driven execution.
- Maintained strong risk governance with high compliance standards and effective escalation management.
Assistant Manager
IndusInd Bank
05.2021 - 11.2021
- - Exceeded daily service targets by leveraging extensive product knowledge to successfully open CASA accounts and build assets including FD and RD
- - Addressed customer requests, complaints, and closures within stipulated TAT, thereby enhancing sales of life and health insurance along with other banking products
- - Ensured adherence to TAT for product-related cases, fraud, DC hotlisting, lien removal requests, and cheque stop payments cases
- - Demonstrated proficiency in utilizing banking tools such as CRM, Finnacle CRM, and DBMS
- - Compiled and maintained monthly sales reports, enhancing accuracy of MIS records
- - Delivered exceptional service and sales to customers, efficiently managing 80 to 100 inbound calls daily
- - Managed fraud complaints in a proactive manner, promptly freezing accounts with no debit and handling escalated complaints effectively
- - Followed up on CRM cases within prescribed TAT boundaries, facilitating resolution and ensuring customer satisfaction
Customer Relationship Officer
Fullerton India credit company ltd
05.2018 - 04.2021
- - Enhanced product knowledge of personal loans for new borrowing customers, resulting in 0% delinquency and complaints.
- - Applied credit underwriting knowledge and collection techniques for both rural and urban locations to minimize loan defaults.
- - Successfully managed the DSA channel and streamlined the disbursement process for digital loans across India.
- - Implemented ENACH and NACH checks to meticulously verify eligibility for disbursement, ensuring a seamless lending process.
Associate
Sify technologies
09.2015 - 09.2017
- - Managed a project for Alcon brand, leading the development of interactive e-learning courses
- - Developed courses in 18 international languages
- - Handled client calls and successfully delivered the project ahead of the deadline
Education
B.A - Arts&Humanities
Mahatma Gandhi University (MGU)
01.2015
12th - Kerala, English
01.2012
10th - Karnataka, English
01.2009
Skills
Strategic Banking Leader managing a ₹800 Cr portfolio with proven expertise in scaling MSME (₹300 Cr) and liability businesses Demonstrated track record of delivering 240% target achievement, driving ₹20 Cr CASA growth, and generating ₹2 Cr insurance premium while building MDRT-performing teams Strong capability in leading high-performing relationship teams, managing HNI/NRI clientele, and driving sustainable, compliance-driven business expansion Positioned for senior leadership roles with P&L responsibility and cluster-level oversight
Interests
Cricket
Music
Experience Years
10
Timeline
VRBH (Virtual Relationship Banking Head)
HDFC Bank
11.2021 - Current
Assistant Manager
IndusInd Bank
05.2021 - 11.2021
Customer Relationship Officer
Fullerton India credit company ltd
05.2018 - 04.2021
Associate
Sify technologies
09.2015 - 09.2017
B.A - Arts&Humanities
Mahatma Gandhi University (MGU)