Rahul Rajagopal
Bangalore
Summary
Results-driven and seasoned Banking professional with over a decade of experience in the industry. Currently serving as Senior Investment Manager at Federal Bank, India. Demonstrates strategic acumen and a keen understanding of the Bank's Operations. Expertise includes Investments, HNI Advisory, Wealth Management Services, Risk Management, Basic Credit and Compliance. Experienced professional with two years of international posting in Bahrain overseeing operations of Federal Bank in the assigned demography. Demonstrated adaptability, resilience, and strategic thinking in diverse business environments. Cleared FRM Program - Level 1 offered by GARP, USA in first attempt during November 2023.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior Investment Manager
Federal Bank
Bangalore
05.2024 - Current
- Directed the HNI Business and Wealth Management Services for 100 branches in 2 cities.
- Effectively managed investment portfolio of 570 high net-worth clients with a total AUM of 12 million USD.
- Managed varied investment products including mutual funds, Portfolio Management Services, Alternative Investment Funds, Market-Linked Debentures, bonds and Offshore Investments.
- Managed and enhanced a diverse range of financial services, including Demat services, PIS services, Foreign Currency Term Deposits, Forward contract deposits, and Investment in Gold.
- Developed investment strategies that meet clients' objectives while adhering to established risk parameters.
- Monitored market trends and economic data to identify new opportunities and make adjustments as needed.
- Negotiated terms with external parties such as brokers and fund managers in order to secure favorable deals.
- Prepared detailed reports on current investments, including performance versus benchmark indices.
- Provided advice on portfolio diversification and other investment-related topics to clients.
- Conducted due diligence reviews of proposed investments to assess financial risks and returns.
- Analyzed macroeconomic factors such as inflation rates, GDP growth, currency exchange rates., for impact on investments.
- Researched alternative asset classes such as venture capital funds, private equity funds and real estate funds.
- Presented recommendations for strategic repositioning of assets when warranted by changing market conditions.
- Established and maintained quality strategic client relationships to deliver responsive client service and enhance new business opportunities.
- Participated in development and delivery of proposals to prospective new client relationships.
- Analyzed competitors and market trends to facilitate business growth.
Senior Branch Manager
Federal Bank
Bangalore
12.2022 - 04.2024
- Performed risk management assessments on loan applications. Risk assessment through CRISIL Rating Models, sanctioning and monitoring of retail credit facilities - Mortgage Loan, Vehicle Loan, Personal Loan, Education Loan, Gold Loan, Loans to Micro, Small, and Medium Enterprises - Working Capital, Term Loan, and Non-funded Limits under Credit Delegation, ensuring the Credit Risk Rating and compliance of Internal Credit Policy guidelines.
- Post-sanction compliance and review of retail and MSME credit facilities.
- Acted as the Head of Fraud Prevention, Business Continuity Management, and Compliance Monitoring. Banking operations.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Ensured compliance with banking regulations, policies, procedures, and standards of conduct.
- Developed and implemented strategies to increase branch profitability.
- Conducted regular performance appraisals of staff, providing feedback and coaching as needed.
- Developed and maintained relationships with customers and business partners in order to maximize customer satisfaction and loyalty.
- Managed all aspects of branch operations, from hiring staff to maintaining budgets.
- Maintained up-to-date knowledge of products and services offered by the bank in order to better serve customers' needs.
- Analyzed financial data in order to identify trends or areas needing improvement.
- Participated in community events and activities aimed at promoting the bank's image.
- Reviewed monthly reports prepared by branch personnel regarding sales activity, operational performance.
- Facilitated communication between upper management and lower level employees regarding company policies, procedures, goals.
- Designed sales and service strategies to improve revenue and retention.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Checked payroll, vendor payments and other accounting disbursements for accuracy and compliance.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Consolidated business data into actionable metrics to simplify and highlight areas of concern and opportunity.
Senior Manager - HNI
Federal Bank
Bangalore
09.2021 - 11.2022
- Directed the HNI and NRI Business of one of the exceptionally large business branches.
- Provided advisory services to HNI clients regarding processes, procedures, and strategies for Wealth Management Services, ensuring high ROI.
- Successfully increased book size of the branch by acquiring new client relationships and deepening existing relationships.
- Mentored junior staff in the organization's business processes, customer service standards, and quality assurance protocols.
- Regularly evaluated customer satisfaction levels by surveying customer base and analyzing results.
- Worked cross-functionally with marketing, sales and finance departments.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
Manager - Wealth Management Services
Federal Bank
Bangalore
06.2017 - 08.2021
- Directed the HNI Business and Wealth Management Services for 150 branches in 4 cities.
- Led a team of 12 relationship managers across the zone for managing the bank's HNI portfolio and wealth management services.
- Managed varied investment products including mutual funds, Portfolio Management Services, Alternative Investment Funds, Market-Linked Debentures, bonds and Offshore Investments.
- Managed and enhanced a diverse range of financial services, including Demat services, PIS services, Foreign Currency Term Deposits, Forward contract deposits, and Investment in Gold.
- Generated growth in NRI business operations across targeted geographies.
Overseas Manager
Federal Bank
Manama
10.2015 - 05.2017
- Oversaw credit documentation and related services for a variety of retail and institutional clients in Bahrain.
- Effectively managed risks to maintain credit and operational risk integrity within the designated geographic area.
- Aided credit division and branches in adhering to internal policies and regulatory requirements through effective documentation support.
- Identified and assessed credit and operational risks, evaluated likelihood of default, and mitigated potential operational disruptions
- Developed relationships with overseas partners and suppliers.
- Created strategies for introducing products into foreign markets.
- Conducted research on potential new markets, competitors, and industry trends.
- Evaluated local market conditions to ensure compliance with regulations in target countries.
- Monitored changes in global economic environment that could affect business operations overseas.
- Researched cultural differences between countries that may influence product design or marketing strategy.
- Identified opportunities for expanding business presence into new regions across the globe.
- Monitored foreign currency trends and advised senior management on their impact on business decisions.
- Organized meetings with representatives from various countries to discuss potential business partnerships.
- Established contacts with key personnel in other countries to facilitate smooth business operations.
- Ensured adherence to corporate policies while conducting overseas operations.
Assistant Manager
Federal Bank
Kerala
06.2013 - 09.2015
- Led Branch Operations in a supervisory capacity
- Maintained high standards of Anti-Money Laundering, Know Your Customer, and Foreign Exchange Management Act compliance
- Conducted loan processing and appraisal tasks for Retail clients, which involved drafting credit proposals and facilitating pre-loan sanction procedures.
- Maintained vigilance on NPAs and conducted analyses on financial statements.
- Advised retail clients on investment opportunities for optimized return and minimized risk in their financial portfolios.
Education
Financial Risk Manager (FRM) - Level 1 - Cleared
Global Association For Risk Professionals - United States
New Jersey, USA11.2023
Bachelor of Technology - Electrical and Electronics Engineering
NSS Engineering College
Kerala, India04.2013
High School Diploma -
St. Joseph's Boys Higher Secondary School
Kerala, India05.2009
Skills
- Retail Banking
- Portfolio Management
- Investment Risk Management
- Business Development
- Risk Assessment
- Compliance Monitoring
- HNI Advisory Services
- Relationship Management
- Financial Analysis
- Data Analysis
- Critical Thinking
- Decision-Making
Certification
- Certified Associate of Indian Institute of Banking (Indian Institute of Banking and Finance, Mumbai, India)
- Certification in Anti- Money Laundering and KYC (Indian Institute of Banking and Finance, Mumbai, India)
- NISM Series V-A certitication (National Institute of Securities Market, Mumbai, India)
- Specified Person Certification ( Insurance Institute of India, Mumbai, India)
Personal Information
- Date of Birth: 21st October 1991
- Nationality: India
Hobbies and Interests
Music
Languages
English
Proficient (C2)
C2
Malayalam
Proficient (C2)
C2
Hindi
Advanced (C1)
C1
Tamil
Intermediate (B1)
B1
References
References available upon request.
Timeline
Senior Investment Manager
Federal Bank
05.2024 - Current
Senior Branch Manager
Federal Bank
12.2022 - 04.2024
Senior Manager - HNI
Federal Bank
09.2021 - 11.2022
Manager - Wealth Management Services
Federal Bank
06.2017 - 08.2021
Overseas Manager
Federal Bank
10.2015 - 05.2017
Assistant Manager
Federal Bank
06.2013 - 09.2015
Financial Risk Manager (FRM) - Level 1 - Cleared
Global Association For Risk Professionals - United States
Bachelor of Technology - Electrical and Electronics Engineering
NSS Engineering College
High School Diploma -
St. Joseph's Boys Higher Secondary School
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