NIRMALA R
Bangalore
Summary
A professional with 18 years of experience in the BFSI Sector. My significant associations are with Yes Bank Ltd, Bajaj Allianz Life Insurance Company Limited Ltd, HDFC Bank Ltd, ICICI Prudential and ICICI Bank Ltd. Currently I am working with ICICI Bank Ltd as Business Banking Specialist primarily responsible for recognizing Business Lending opportunities for existing and New to Bank Current Account clients.
Knowledgeable Business Banking Specialist offering determined and focused approach and proven to meet and exceed sales objectives. Good relationship-builder and problem-solver with excellent communication and organizational skills.
Overview
19
19
years of professional experience
4
4
Languages
Work History
Business Banking Specialist
ICICI Bank Ltd
01.2023 - Current
- Explore Business Lending opportunities with existing Current Account relationships
- Offering customized lending products and other products offerings in line with their requirements to ensure retention
- Handholding the SES and Wealth RMs to maximize product penetration on existing client base and to onboard new to bank clients
- Adhere to 360 degree approach of the bank by offering overall banking products suitable for both company and individual accounts.
- Source new Current Account relationships for the bank.
Key Accounts Manager - Start-Up/E-Commerce
ICICI Bank Ltd
01.2023 - 11.2024
- Explore business opportunities with existing E-Commerce/Start-Up relationship to increase revenue and wallet share.
- Offers customized service offerings to clients in line with their requirements and ensure retention.
- Facilitate and support clients in the smooth functioning of their daily transactions and banking operations
- Tracking competition offerings and deals ensuring quick response counter offer to ensure retention.
- Adhere to 360 degree approach of the bank by offering overall banking products suitable for both company and individual accounts.
- Source new Start-Up/Ecommerce relationships for the bank.
Area Sales Manager – Affluent Channel
Yes Bank Ltd
11.2020 - 01.2023
- Sourcing credit card to the premium/HNI segment of clients in Karnataka, Tamil Nadu, AP & Telangana and Kerala through a team of Acquisition Managers
- Ensuring all existing internal clients falling in the required category are carded by Coordinating with all the Relationship Managers, Cluster Heads and Regional Heads
- Ensuring required Xsell targets are met, best of services are provided and channel is provided with timely trainings.
- Maximizing card activation through various xsell products, RM portfolio penetration for cards sales and team qualification for incentives.
Area Sales Manager – Product and Portfolio
Yes Bank Ltd
04.2018 - 10.2020
- Sourcing Yes Private card to the most premium and niche segment of clients in Karnataka, Tamil Nadu, AP and Telangana by ensuring all existing internal clients falling in the required category are carded
- Activation of each of the Yes Private card issued, timely payments and providing best of services
- Interaction with all business units across location and liaising with the retail credit card team to generate maximum leads
- Providing product training to all internal departments at frequent intervals to maximize the opportunity for business
Sales Manager – Super Premium Credit Cards
HDFC Bank Ltd
07.2016 - 03.2018
- Sourcing Super Premium Cards through the Branch Banking and Corporate Banking channel of the bank through the branches mapped and ensuring the annual budgeted targets are achieved.
- Activation of every sales and non-sales resource in the branch on Super Premium Cards month on month by arranging training at frequent intervals and publishing timely business reports.
- Providing the customers of the branch with the right product suggestion and timely service
- Arranging corporate meetings and corporate desks at the corporates banking with HDFC Bank.
- Liaising with all the RMs of the branch and corporate banking to ensure the maximum penetration in each portfolio.
Territory Sales Manager
Royal Sundaram Alliance Insurance Co Ltd
05.2015 - 06.2016
- Co-ordinate with the business associate to guide them generate valid leads.
- Create a greater database of prospective clients by building relationship with DBS BANK.
- Train the DBS Bank staff in insurance selling skills and process and identify the needs of the prospective client and present the suitable product.
Sales Manager
Bajaj Allianz Life Insurance Company Limited
04.2014 - 05.2015
Senior Relationship Manager
Bajaj Allianz Life Insurance Company Limited
09.2010 - 03.2014
- Create a greater database of prospective clients by building relationship with YES BANK (one of the fast growing private banks in India) and Federal finance officials Karnataka and Andhra Pradesh by training the YES BANK and Federal Finance staff in the insurance selling skills and process and developing and managing relationship with various departments of the bank.
- Generate the ideas and concepts that increase selling of product and identify the needs of the prospective client and present the suitable product.
- Conduct events at corporate and follow up with the contacts and leads generated through that.
- Ensuring the sales collaterals are just in place and just in time for the event.
- Handling customer escalation requests and service queries.
- Qualified for the annual foreign trip (Oscars) contest, 2013-2014.
- Promoted from Senior Relationship Manager to Sales Manager.
Associate Financial Services Manager
ICICI Prudential Life Insurance Ltd
06.2007 - 01.2010
- Recruit and develop off role team members and train them insurance selling skills and process.
- Ensure that the targets are met on a daily/weekly/monthly basis by co-ordinating with the business associates to guide them generate valid leads.
- Create a greater database of prospective clients by building relationship with bank officials and train them in insurance selling skills and process.
- Develop and manage relationships with inter-department staff across all hierarchies with an objective of penetrating 'Credit assure' in personal loan, loan against securities, vehicle loan inventory funding and merchant acquiring business.
- Top performer from Aug 2007 till Aug 2009.
- Received Top performer award from the National Head.
- Promoted from Bancassurance officer to Associate Financial Services Manager.
Sales Officer
Standard Chartered Finance Ltd
08.2006 - 05.2007
- Co-ordination with Bajaj Allianz Life Insurance co.
- Generating leads through Standard Chartered customer data for Bajaj Allianz.
- Training the employees/associates of channel partners.
- Arrange for the required documentation and medical examination of the client.
Education
Bachelor of Arts - Psychology
Bangalore University
Bengaluru, India 04.2001 -
Skills
Customer care
Loan structuring
Sales leadership
Customer acquisition
Relationship management
Cross-selling products
Accomplishments
- Qualified for the annual foreign trip (Oscars) contest, 2013-2014.
- Promoted from Senior Relationship Manager to Sales Manager.
- Top performer from Aug 2007 till Aug 2009.
- Received Top performer award from the National Head.
- Promoted from Bancassurance officer to Associate Financial Services Manager.
Mobile Numbers
- 91-9986163747
- 9742205747
Personal Information
- Father's Name: Raju T
- Date of Birth: 12/20/85
- Gender: Female
- Marital Status: Single
Timeline
Business Banking Specialist
ICICI Bank Ltd
01.2023 - Current
Key Accounts Manager - Start-Up/E-Commerce
ICICI Bank Ltd
01.2023 - 11.2024
Area Sales Manager – Affluent Channel
Yes Bank Ltd
11.2020 - 01.2023
Area Sales Manager – Product and Portfolio
Yes Bank Ltd
04.2018 - 10.2020
Sales Manager – Super Premium Credit Cards
HDFC Bank Ltd
07.2016 - 03.2018
Territory Sales Manager
Royal Sundaram Alliance Insurance Co Ltd
05.2015 - 06.2016
Sales Manager
Bajaj Allianz Life Insurance Company Limited
04.2014 - 05.2015
Senior Relationship Manager
Bajaj Allianz Life Insurance Company Limited
09.2010 - 03.2014
Associate Financial Services Manager
ICICI Prudential Life Insurance Ltd
06.2007 - 01.2010
Sales Officer
Standard Chartered Finance Ltd
08.2006 - 05.2007
Bachelor of Arts - Psychology
Bangalore University
04.2001 -
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