Raghav Goel
Relationship Manager
Noida
Summary
Sincere, competent and goal-oriented business professional having more than 6.5 year of professional experience post MBA & proven ability to work in team.
Overview
2
2
Languages
7
7
years of professional experience
Work History
Relationship Manager- Commercial Banking
Yes Bank Limited
Noida
08.2025 - Current
- Corporate portfolio management along with Working of NTB's of emerging large corporate of various sectors from Northern India. with25% Y-o-Y book growth.
- Credit underwriting (working capital, term loan, LC/BG), internal processing of ratings, post disbursement monitoring, resolving operational challenges for the client
- Assessing credit proposals through both quantitative and qualitative analysis, ensuring alignment with the bank's risk appetite and internal credit risk governance frameworks
- Collaborated with multiple departments, including transaction banking, trade banking, and legal, to provide complete client solutions.
- Evaluated credit proposals using quantitative and qualitative analysis to align with bank's risk appetite and adhere to internal credit risk governance frameworks
- Performing scenario analysis and stress testing to measure portfolio resilience under varying economic conditions, supporting proactive risk mitigation strategies
- Monitored credit portfolio to identify early warning signals (EWS) and initiated timely resolution strategies, including risk re-rating and collateral review, to mitigate potential credit losses.
Credit Analyst -Medium Enterprises
STANDARD CHARTERED BANK
New Delhi
08.2023 - 08.2025
- Managed portfolio of 30+ clients with annual turnover between 50 Cr. to 1000 Cr. and average ticket size of INR 30 Cr., preparing comprehensive Credit Assessment Memos (CAM Reports) to support funding decisions.
- Conducting deep dive financial statement analysis, benchmarking & feasibility analysis, detailed financial modelling, due diligence and credit risk analysis to evaluate funding requirements for both fund and non-fund based products.
- Undertook accurate and timely credit analysis of counterparties by identifying business and financial risk based on understanding of business model, business cash flows and peer analysis.
- Developed periodic risk and performance reporting packages, including covenant testing and quarterly performance reviews, to deliver targeted insights and facilitate informed risk management discussions.
Relationship Manager- SMEG
ICICI BANK
Gurugram
11.2021 - 08.2023
- Acquired new SME clients with turnover between INR 100.0 Mn and INR 8000.0 Mn while managing a portfolio of existing SME clients.
- Acquisition of New SME clients with Turnover ranging from INR 100.0 Mn to INR 8000.0 Mn while managing portfolio of existing SME client.
- Developed credit proposals for diverse industries including auto and auto ancillaries, oil exploration, education, hospitals, textiles, metal manufacturing, infrastructure, and gems and jewellery.
- Responsible for in-depth credit and financial research on corporate and analyzing financing requirement of companies before sanctioning bank credit limit.
Management Trainee (Acting ASM)
KENT RO SYSTEMS LTD
Noida
03.2020 - 08.2021
- Developed and appointed dealers and distributors to expand product reach.
- Managed and coordinated sub-dealer network to ensure alignment with distributor goals.
- Top performer(Recognized by HOD) with over 50% sales conversion in ERP sales role.
Internship
ADITYA BIRLA FASHION AND RETAIL (ABFRL).
Chandigarh
04.2019 - 06.2019
- Understanding Roles and Responsibilities of an ASM.
- Supervising the employees and helping the Store Manager in daily operations.
Education
MBA - PGDM (Marketing & Finance)
IMM-FOSTIIMA BUSINESS SCHOOL
Nahan, India 04.2001 -
B.Com.(Hons) -
POST GRADUATE GOVERNMENT COLLEGE
Chandigarh, India 04.2001 -
Higher Secondary Schooling
CAREER ACADEMY SENIOR SECONDARY SCHOOL
Nahan, India2014
Secondary Schooling
D.A.V PUBLIC SCHOOL
Nahan, India2012
Skills
Commercial lending
Credit risk analysis
Credit proposal management
Loan structuring
Portfolio management
Cash flow forecasting
Client acquisition strategies
Analytical skills
Risk assessment
Problem solving
Time management
Task prioritization
Microsoft office
Leadership skills
Relationship building
Interpersonal skills
Accomplishments
- A+ Certificate in PDP course during Graduation in Year 2017
- 5th Rank in overall state in 12th Boards Exam in year 2014
- Awarded by HONOURABLE CM OF H.P for excellence during HSC in year 2017
Timeline
Relationship Manager- Commercial Banking
Yes Bank Limited
08.2025 - Current
Credit Analyst -Medium Enterprises
STANDARD CHARTERED BANK
08.2023 - 08.2025
Relationship Manager- SMEG
ICICI BANK
11.2021 - 08.2023
Management Trainee (Acting ASM)
KENT RO SYSTEMS LTD
03.2020 - 08.2021
Internship
ADITYA BIRLA FASHION AND RETAIL (ABFRL).
04.2019 - 06.2019
MBA - PGDM (Marketing & Finance)
IMM-FOSTIIMA BUSINESS SCHOOL
04.2001 -
B.Com.(Hons) -
POST GRADUATE GOVERNMENT COLLEGE
04.2001 -
Higher Secondary Schooling
CAREER ACADEMY SENIOR SECONDARY SCHOOL
Secondary Schooling
D.A.V PUBLIC SCHOOL