Pradeep Ravindranath Kharwar
Mumbai
Summary
Wealth Management professional with over 8 years of progressive experience in managing High-Net-Worth Individuals (HNI), investment advisory, financial planning, and relationship management. Proven expertise in portfolio management, client acquisition, retirement planning, and providing tailored investment solutions. Adept at understanding client goals, mitigating financial risks, and delivering sustainable returns. Experienced in leading client engagement initiatives and ensuring regulatory compliance across investment products and wealth management services.
Overview
12
12
years of professional experience
Work History
Private Banking
Yes Bank
Mumbai
12.2025 - Current
- Managing a portfolio of HNI and UHNI clients, providing tailored investment and wealth management solutions.
- Building and nurturing long-term client relationships to drive portfolio growth and retention.
- Advising clients on mutual funds, equities, bonds, structured products, and insurance based on risk appetite and goals.
Senior Wealth Relationship Manager
JM Financial
Mumbai
10.2024 - 12.2025
- Managing a portfolio of HNI and UHNI clients, providing tailored investment and wealth management solutions.
- Advising clients on mutual funds, equities, bonds, structured products, and insurance based on risk appetite and goals.
- Building and nurturing long-term client relationships to drive portfolio growth and retention.
- Achieving business targets through cross-selling investment and banking products while ensuring compliance with regulatory guidelines.
- Conducting portfolio reviews and financial health assessments to realign investment strategies.
Wealth Relationship Manager (AVP)
State Bank of India
Mumbai
01.2018 - 07.2024
- Handled end-to-end wealth management services for a large base of HNI clients including investment advisory, estate planning, and tax-efficient strategies.
- Grew AUM by acquiring new HNI clients through referrals, networking, and structured outreach programs.
- Customized wealth strategies including asset allocation, mutual funds, PMS, insurance, and retirement plans.
- Acted as a single point of contact for HNI clients to address financial needs, ensuring high customer satisfaction and retention.
- Ensured strict compliance with RBI and SEBI guidelines while managing client portfolios and transactions.
- Collaborated with product, credit, and investment teams to deliver holistic financial solutions.
Team Leader-Customer Care
Urban Ladder
Mumbai
02.2016 - 01.2018
- Led a team of customer service associates ensuring smooth operations and high client satisfaction.
- Handled escalations and process improvements to enhance service delivery efficiency.
Customer Care Associate
Welspun Global Ltd
Mumbai
10.2014 - 06.2015
- Handled customer queries and maintained service quality standards.
- Assisted in day-to-day support and documentation processes.
Education
MBA/PGDM - Finance
Mumbai University
Mumbai, IndiaB.Com - Commerce
Mumbai University
Mumbai, IndiaClass XII -
Maharashtra Board
Maharashtra, IndiaClass X -
Maharashtra Board
Maharashtra, IndiaSkills
- Wealth & Portfolio Management
- HNI & Ultra-HNI Client Servicing
- Financial & Retirement Planning
- Investment Advisory
- Client Acquisition & Relationship Management
- Regulatory Compliance & Risk Mitigation
- Market & Product Knowledge
- Cross-Selling of Investment Products
- Strategic Business Development
- Team Leadership & Target Achievement
Timeline
Private Banking
Yes Bank
12.2025 - Current
Senior Wealth Relationship Manager
JM Financial
10.2024 - 12.2025
Wealth Relationship Manager (AVP)
State Bank of India
01.2018 - 07.2024
Team Leader-Customer Care
Urban Ladder
02.2016 - 01.2018
Customer Care Associate
Welspun Global Ltd
10.2014 - 06.2015
MBA/PGDM - Finance
Mumbai University
B.Com - Commerce
Mumbai University
Class XII -
Maharashtra Board
Class X -
Maharashtra Board