LAKSHMIKANTH T

Work History

Mid Corporates Senior Relationship Manager

Aditya Birla Finance ltd

Bangalore

03.2023 - Current

Cultivated relationships with customers by participating in meetings onsite and at client locations.
Interacted with customers and worked closely to resolve issues.
Addressed inquiries from clients and department team members.
Identified leads by researching trends in market to determine customer needs.
Collaborated with various departments to improve communication and deliver individualized customer solutions.
Developed and managed a portfolio of existing clients to ensure long-term customer relationships.
Resolved escalated customer issues in a timely manner while maintaining positive relationships.
Analyzed customer data to identify areas of risk and potential opportunities for growth.
Drafted proposals outlining product features and benefits for prospective customers.
Assisted junior staff members with complex tasks or projects as needed.
Implemented strategies for increasing customer retention rates by providing excellent service levels at all times.
Resolved customer inquiries or complaints promptly and efficiently in accordance with established guidelines.
Negotiated terms of service contracts with customers while ensuring maximum profitability for the bank.
Performed periodic reviews of client portfolios in order to identify areas requiring further attention or improvement.
Maintained an up-to-date understanding of industry trends and best practices in order to remain competitive in the marketplace.
Attended conferences, trade shows, or networking events designed to build relationships with potential clients.
Conducted regular meetings with customers to discuss their needs and provide tailored solutions.
Identified new business opportunities through market research and analysis.
Reviewed financial statements, credit reports, and other relevant documents in order to assess creditworthiness.
Ensured compliance with legal regulations, policies, and procedures related to banking operations.
Created and updated financial reports on frequent basis to present information to leadership teams.
Used hedging to mitigate financial risks related to interest rates on company's borrowings.
Streamlined financial systems through automation and technology solutions.
Conducted reviews and evaluations for cost-reduction opportunities.
Developed or analyzed information to assess current or future financial status of firms.
Managed relationships with tax authorities, bankers and auditors.
Conducted risk assessments and created mitigation plans for projects.
Analyzed competitors and market trends to facilitate business growth.
Invested funds and recommended appropriate dividend issuances based on historical dividend patterns and expected cash flows.
Prepared monthly, quarterly, and annual financial reports for management.
Managed working capital to maintain healthy cash flow levels.
Drove client satisfaction and kept lines of communication open to further business objectives through strong customer relationships.

SME Business Banking Group-RM

Bandhan Bank Ltd

07.2022 - 02.2023

Responsible for Premium SME NTB Assets acquisition's (FB&NFB) Deepening and Portfolio Management
Generating and self-monitoring the PF, NII and TFX income
KYC and AML Monitoring
Regulatory Reporting of suspicious transaction's
MT transactions Management, Sanction's countries lines checking with regulatory approvals and Cross Border Transactions
Tracking of Minimum-security Collateral requirement, Unit Inspection report, Adhoc Limit set up, checking credit Bureau report, Updating and issuing amended MCLR sanction letters, Collecting Penal Interest fee, Processing Fee, Documentation Charges collection upfront and Prepayment charges management
Tracking and getting updated timely of Stock Statement, Inspection report, Takeover Cases, FFR, Insurance fee collection upfront, ETR and GTR Parameter, MIS Monitoring, Overdue monitoring and collections, Credit Queries resolution and Obtaining Business heads approval deviations for viable business
Identifying the probable NPA accounts and timely recovering the Interest and Principal KYC and AML Monitoring
Regulatory Reporting of suspicious transaction's
MT transactions Management, Sanction's countries lines checking with regulatory approvals and Cross Border Transactions
Co-ordinating with Credit Managers to resolving the queries for SME disbursals
Timely Response to the customer on progress
Targeting the various Business segments to acquire the quality asset accounts
Conducting the Events in Industrial areas
Effectively using the Customer data from central team and meeting the other Business Unit Heads within the bank for referrals
Exceeding the expectations from the goal sheet which has been set by the company
Handling the Existing portfolio and deepening the relationship to enhance the productivity
Revenue sharing leads passing to the respective team like, Credit Cards, PL, AL, HL, GL, LACR, LARR, LAP, Commercial Vehicle Financing, Channel Finance, SME Advisory and CMS services
Selling Third Party products like General Insurance, Health Insurances and mutual funds
Maintained individual performance record of each team member on PF, Cross sell and TFX.

CBG-RM

Axis Bank Ltd

12.2019 - 07.2022

Responsible for Premium NTB Assets, Liability Accounts acquisition, Startup Account openings and CMS setups
Generating and self monitoring the PF, NII and TFX income
Co-ordinating with Credit Managers to resolving the queries for SME disbursals
Timely Response to the customer on progress
Targeting the various Business segments to acquire the quality accounts
Conducting the Events in Industrial areas
Effectively using the Customer data from central team and meeting the other Business Unit Heads within the bank for referrals
Exceeding the expectations from the goal sheet which has been set by the company
Handling the Existing portfolio and deepening the relationship to enhance the productivity
Revenue sharing leads passing to the respective team like, Credit Cards, PL, AL, HL, GL, LACR, LARR, LAP, Commercial Vehicle Financing, Channel Finance, SME Advisory and CMS services
Selling Third Party products like General Insurance, Health Insurances and mutual funds
Maintained individual performance record of each team member on PF, Cross sell and TFX
Prepared presentation of weekly and monthly reports (MIS) to senior management, analysis included Product-wise Analysis
Managed branding and marketing of products to customers through various campaigns and promotions
Identified and targeted specific products, segments and geographies for campaigns aimed towards enhancing contribution on Centralised Data.

BBG-RM

Indusind Bank Ltd

08.2017 - 12.2019

Responsible for Premium NTB Assets and Liability Accounts acquisition
Generating and self monitoring the PF, NII and TFX income
Co-ordinating with Credit Managers to resolve the queries
Timely Response to the customer on progress
Targeting the various Business segments to acquire the quality accounts
Conducting the Events in Industrial areas
Effectively using the Customer data from central team and meeting the other Business Unit Heads within the bank for referrals
Exceeding the expectations from the goal sheet which has been set by the company
Handling the Existing portfolio and deepening the relationship to enhance the productivity
Accountable for up-selling bank's various liability products to the newly acquired and existing customers; reduced the cost-to-income ratio on a monthly basis
Revenue sharing leads passing to the respective team like, Credit Cards, PL, AL, HL, GL, LACR, LARR, LAP, Commercial Vehicle Financing, Channel Finance, SME Advisory and CMS services
Selling Third Party products like Life Insurance, General Insurance and mutual funds
Maintained individual performance record of each team member on PF, Cross sell and TFX
Prepared presentation of weekly and monthly reports (MIS) to senior management, analysis included Product-wise Analysis
Managed branding and marketing of products to customers through various campaigns and promotions
Identified and targeted specific products, segments and geographies for campaigns aimed towards enhancing contribution on Centralised Data.

YF BRP

YES Bank Ltd

10.2015 - 07.2017

Responsible for Premium NTB Current Accounts acquisition
Generating the TFX income to the branch
Exceeding the expectations from the goal sheet which has been set by the company
Business Banking leads generation and Closing with the proper follow ups from the respective team
Handling the Existing portfolio
Accountable for up-selling bank's various liability products to the newly acquired and existing customers; reduced the cost-to-income ratio on a monthly basis
Selling Third Party products like Life Insurance, General Insurance and mutual funds
Generated expected penetration from the bank's database; built relationship with channel partners
Managing the team of Four BRP's in absence of Supervisor
Maintained individual performance record of each team member
Prepared presentation of weekly and monthly reports (MIS) to senior management, analysis included Product-wise Analysis
Managed branding and marketing of products to customers through various campaigns and promotions
Identified and targeted specific products, segments and geographies for campaigns aimed towards enhancing contribution on Centralised Data.

Teller-Retail Branch Banking-Bangalore

HDFC Bank Ltd

09.2012 - 10.2015

Provided friendly service to individual and commercial bank customers
Highly skilled in providing prompt and friendly customer service
Handle deposits, withdrawals, transfer of funds, demand drafts and accept loan payments
Well versed with Forex Transaction (Out Ward Remittance, Inward Remittance, FCY Cheque, FCY Cash sale and Purchase, Forex Card)
Cross-sell bank products and services
Functional knowledge of performing banking tasks
Performing data entry services regarding clients, accounts and related transactions
Perform routine financial transactions on a day to day basis within a bank setting
Handling different keys like Vault key, and deliverables keys
Interacting with more customers and understanding their different requirements and fulfilling the needs on priority basis
Calling and following up with the customers to fix the appointments in getting the leads converted
Generating and checking the daily reports on a daily basis to ensure the reports are accurate
Ensuring that all the files and registers are maintained up to date and signed regularly
Ensuring that exceptions are cleared within a short period of time to avoid audit comments
Learning various activities done by other roles like Personal Banker and Welcome desk to be the backup in their absence.

MFO (Mutual Funds Officer)

ICICI Bank Ltd

04.2011 - 08.2012

Handling the Cluster Branches for Mutual Funds business
Rewarded with PAN India No 3 for MF Business
Also Passing all the banking product leads to the respective team.

Summary

Overview

Work History

Mid Corporates Senior Relationship Manager

SME Business Banking Group-RM

CBG-RM

BBG-RM

YF BRP

Teller-Retail Branch Banking-Bangalore

MFO (Mutual Funds Officer)

Education

BBA - Business Management

Skills

Languages

Timeline

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