Meenu Kushwah
Summary
Dynamic Relationship Manager worked with various MNC Banks, specializing in wealth management and financial advisory. Proven track record in client onboarding and portfolio analytics, driving significant revenue growth through tailored investment strategies. Adept at relationship building, consistently expanding high-value client portfolios and delivering exceptional service to Ultra High Net Worth clients.
Overview
22
22
years of professional experience
Work History
Senior Associate Relationship Manager
DBS Bank
05.2019 - 02.2026
- Managed a portfolio of Ultra High Net Worth (UHNW) clients with assets ranging from SGD 1 Mio to SGD 20+ Mio, delivering tailored wealth management solutions.
- Advised clients on a wide range of sophisticated financial investment solutions, including bonds, equity-linked notes, structured notes, FX solutions, currency-linked investments, and structured deposits.
- Identified client needs and executed targeted strategies across foreign exchange, assets, and liability products, ensuring consistent revenue generation.
- Optimized revenue streams by strategically advising on third-party bancassurance solutions for existing and new-to-bank clients.
- Cultivated high-value client relationships through referrals and networking, enhancing portfolio growth.
Sr. Wealth RM – Private Wealth Management
Seguro Private Wealth
11.2017 - 03.2019
- Managed acquisition and relationship development for High Net Worth (HNW) clients as Sr Wealth Relationship Manager at boutique investment advisory firm.
- Advising clients on a diverse range of investment solutions, including offshore (USD) mutual funds and structured products (leveraged and non-leveraged) via private banks such as Bank of Singapore and LLB, while also managing domestic mutual funds and PMS portfolios.
- Executed client acquisition strategies through referrals and tele-calling initiatives, resulting in consistent expansion of client base.
Citi Gold RM – Retail and Commercial
Citi Bank N.A.
04.2017 - 10.2017
- Worked as Citi gold Relationship Manager, managing High Net Worth (HNW) clients with Net Relationship Value (NRV) ranging from INR 15 lakhs to INR 5 crores and above.
- Executed proactive client acquisition strategies, leveraging referrals to onboard high-value prospects and expand client base.
- Generated revenue across retail foreign exchange, asset, and liability products by identifying client needs and providing tailored solutions.
Sr. International RM – Priority Banking
Standard Chartered Bank
01.2015 - 03.2017
- Managed portfolios of HNI and ultra-HNI clients, advising on tailored financial solutions for high-profile individuals including celebrities and industry leaders.
- Worked as a Priority Relationship Manager, managing High Net Worth Individual (HNI) client portfolios with account balances ranging from ₹20 lakhs to ₹5 crores and above.
- Delivered portfolio advisory on third-party solutions and asset services, enhancing client experience for both existing and new-to-bank clients.
- Recognized for strong performance in Q1 and Q2 across insurance, wealth management, and new account acquisitions.
- Managed daily branch activities in the role of backup Branch Manager during periods of unavailability of the Branch Manager.
Relationship Manager – Preferred Banking
Standard Chartered Bank
04.2011 - 12.2014
- Managed premium category clients, delivering exceptional service and fostering strong relationship engagement.
- Generated revenue through effective up-selling and advisory of third-party financial solutions.
- Coordinated client engagement initiatives, including customer meets and branch events, to enhance business growth.
- Collaborated with Operations, Trade Forex, and Business Banking teams to ensure seamless service delivery and prompt issue resolution.
Asst Mgr – Quality Assurance & Vendor Mgmt
Standard Chartered Bank
03.2007 - 03.2011
- Led end-to-end management of outsourcing service provider agreements across India, including empanelment, renewal, termination, and process rationalization.
- Managed Pan-India Balanced Scorecard to monitor performance, ensuring timely delivery and identifying process improvement opportunities.
- Standardized vendor/agency management and review processes, enhancing consistency across Mortgage and SME segments.
- Led creation of annual newsletters and magazines, strengthening internal communication and engagement.
Credit MIS Officer
Standard Chartered Bank
05.2006 - 02.2007
- Developed and distributed MIS for BIL, encompassing daily trackers, monthly consolidated reports, CAU packs, KRIs, and KCSAs to support informed decision-making.
- Managed daily banking operations and ensured compliance with regulatory standards.
- Coordinated outsourcing service provider agreements across Pan India, ensuring compliance and optimizing operational processes.
- Facilitated customer account management and addressed client inquiries effectively.
Collections Executive Officer
Standard Chartered Bank
04.2004 - 04.2006
- Managed MTM processes by analyzing valuation data to identify delinquent accounts and initiate customer notifications across India, ensuring timely communication with impacted clients.
- Executed voluntary and forced liquidation of shares for regular and delinquent customers, facilitating compliance with regulatory requirements and minimizing potential losses.
Skills
- Wealth management
- Financial advisory
- Investment strategies
- Portfolio analytics
- Risk assessment
- Relationship building
Additional Academic Activities
- Diploma in Software Engineering, Bostons Computer Institute
- Part-time Faculty, IT-Kids (Ghatkopar), 6 months
- Winner of multiple inter- and intra-college/school competitions in debates, elocution, quizzes, and dance
Hobbies and Interests
- Travelling, Adventure Sports and Photography
Key Highlights And Professional Achievements
- Managed UHNW portfolios up to SGD 20M+
- Extensive experience across US, Singapore, UAE & India markets
- Strong expertise in structured investments & FX solutions and proven ability to manage high-value clients
- Consistent top performer in wealth and insurance revenue in the team in Singapore
- Consistent qualifier of Elite Power Club and Millionaire’s Club for Insurance and Wealth segments
- Recognized as Wealth Champion and Star Performer for 8 consecutive months (2016)
- Achieved Millionaire’s Club (Insurance) 6 times in 2016
- Awarded Excellence Award for highest New-to-Bank (NTB) acquisitions (2015)
- Delta Qualifier in Pan-India Wealth Contest
- Recipient of Best Relationship Manager (Priority RM) Award (2015)
- Recognized as Consistent Star Performer in Process Management
Academic Accomplishments
- MBA in Marketing, Welingkar Institute of Management, Mumbai
- Master’s Degree in Management, University of Mumbai (Kalina Campus)
- Diploma, Software Engineering, Boston's Computer Institute
Timeline
Senior Associate Relationship Manager
DBS Bank
05.2019 - 02.2026
Sr. Wealth RM – Private Wealth Management
Seguro Private Wealth
11.2017 - 03.2019
Citi Gold RM – Retail and Commercial
Citi Bank N.A.
04.2017 - 10.2017
Sr. International RM – Priority Banking
Standard Chartered Bank
01.2015 - 03.2017
Relationship Manager – Preferred Banking
Standard Chartered Bank
04.2011 - 12.2014
Asst Mgr – Quality Assurance & Vendor Mgmt
Standard Chartered Bank
03.2007 - 03.2011
Credit MIS Officer
Standard Chartered Bank
05.2006 - 02.2007
Collections Executive Officer
Standard Chartered Bank
04.2004 - 04.2006