Ramaswamy Gopalakrishnan
Mumbai
Summary
Dynamic leader with extensive expertise in P&L management and strategic planning. Demonstrated success in enhancing business growth through digital initiatives and effective governance. Skilled in developing distribution and credit strategies that drive operational efficiency.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Head- Key Alliances & Partnerships
360 ONE WAM Ltd
Mumbai
03.2025 - Current
- Established partnerships for HNI business origination within CXO ecosystem.
- Developed engagement models for professional service providers, including senior doctors, lawyers, and architects.
- Built a nationwide team of zonal heads and area heads to enhance outreach.
- Focused on creating a one-to-many origination platform for effective business development.
Head – Retail Assets- Bharat Banking
Axis Bank
Mumbai
06.2022 - 02.2025
- Managed P&L for three business lines with a total book size of approximately Rs 60,000 crores.
- Developed and implemented strategic plan achieving 30% CAGR growth while controlling expenses.
- Executed critical digital initiatives and fostered partnerships to drive business growth.
- Ensured adherence to governance standards while maintaining risk control within established thresholds.
- Launched new product programs and proposed enhancements to underwriting and risk policies.
- Achieved organic PSL targets through effective execution of strategies.
- Delivered 'One Axis' promise by aligning cross-functional team efforts.
Head - Distribution
DBS Bank India Limited (DBIL)
Mumbai
04.2021 - 05.2022
- Led 225+ branches and 900 team members, overseeing branch P&L and governance across SME and consumer products.
- Governed key geographies, including West, North, East, AP, and Telangana, with all cluster and regional heads reporting.
- Spearheaded post-merger initiatives to expand access to new markets and segments.
- Coordinated integration efforts with project management teams for seamless transitions.
- Built a robust distribution franchise to enhance branch network profitability and drive growth in India.
Head – Mid Market Enterprises & Institutional Liabilities
DBS Bank India Limited (DBIL)
Mumbai
01.2018 - 01.2021
- Transformed mid-market business, serving clients with turnover from Rs 100 to 1,000 crores, in two years.
- Implemented productivity enhancements and X sell strategies while eliminating high-risk, non-profitable clients.
- Maintained resilient portfolio during COVID, achieving zero downgrades.
- Specialized in origination for pharma, specialty chemicals, packaging, and spice processors/exporters.
Head – Institutional Liabilities
DBS Bank India Limited (DBIL)
Mumbai
01.2018 - 01.2019
- Launched and scaled institutional liabilities business targeting small multinational companies and new economy segments.
- Leveraged corridor across India, Singapore, China, and Hong Kong for client origination.
- Developed products including liquidity management, cash management, foreign exchange solutions, escrows, and guarantees.
- Participated in road shows targeting multinational corporations and episodic transactions in China, Singapore, and Hong Kong.
Head – Business & Risk Management
Community Finance Private Limited
Mumbai
01.2016 - 01.2018
- Established branches to originate customers and oversee underwriting, collections, and risk management for large team of 150 employees.
- Developed micro-SME business model and restructured micro finance secured lending strategies.
- Conducted market analysis to identify opportunities for company’s products and services.
- Formulated credit strategy aligned with organizational risk appetite.
- Designed early warning triggers for effective portfolio monitoring.
- Created metrics to assess productivity and performance across teams.
- Implemented collection monitoring metrics to enhance recovery rates.
Head – Commercial Bank
First Rand Bank Limited
Mumbai
01.2015 - 01.2016
- Expanded bank's value proposition in India, emphasizing India-Africa trade corridor and corporate finance advisory.
Director & Head – SME Business
Citibank
Mumbai
01.2013 - 01.2015
- The SME business of Citibank included clients in the turnover bracket of Rs.40-350 crores.
- The role had complete ownership of P&L along with governance and control functions.
- 'One Citi' approach towards clients ensuring cross sell of consumer banking products along with corporate and investment banking products.
- Focus on client’s share of wallet to ensure disproportionate to the asset booked.
- Promoter’s share of mind- a key metric which ensured decision maker’s access to RMs and leadership was available.
- Rigor of risk reviews, EW reviews to weed out high PD clients/ double jumps in a calibrated manner to ensure clean portfolio.
Director and Business head Liabilities
Citibank
Mumbai
01.2011 - 01.2013
- Conceptualized and scaled liabilities business as a focused segment.
- Established unit to address digitization and fintech advancements.
- Onboarded clients including Just Dial, Make My Trip, Snapdeal, Flipkart, and IBIBO.
- Deepened relationships with Bill Desk and Tech Process for enhanced collaboration.
- Launched services targeting small and medium MNCs requiring transaction banking solutions.
- Set up one of first Commercial Bank desks for MNC client engagement.
- Introduced commercial cards tailored for travel segment needs.
- Developed sales pitch materials and calling plans to expedite decision-making processes.
Education
Master of Business Administration - Finance
K.J. Somaiya Institute of Management
Mumbai04-1997
Bachelor of Commerce -
University of Mumbai
Mumbai04-1995
Skills
- P&L management
- Risk assessment
- Credit strategy
- Strategic planning
- Governance compliance
- Relationship management
- Digital transformation
- Team leadership
- Problem solving
Certification
- Exceptional Presenter Program, Citi India, 2012
- Certified Mentor, Carnegie Mellon, 2013
- Advanced Credit Risk Management, Citi NY, 2014
Affiliations
- Elected Joint Secretary of Sr College in 1995
- Represented the school and college in football tournaments
- Participated in the U-15 Maharashtra football selection process
- Represented the school in interschool athletics and table tennis tournaments
Timeline
Head- Key Alliances & Partnerships
360 ONE WAM Ltd
03.2025 - Current
Head – Retail Assets- Bharat Banking
Axis Bank
06.2022 - 02.2025
Head - Distribution
DBS Bank India Limited (DBIL)
04.2021 - 05.2022
Head – Mid Market Enterprises & Institutional Liabilities
DBS Bank India Limited (DBIL)
01.2018 - 01.2021
Head – Institutional Liabilities
DBS Bank India Limited (DBIL)
01.2018 - 01.2019
Head – Business & Risk Management
Community Finance Private Limited
01.2016 - 01.2018
Head – Commercial Bank
First Rand Bank Limited
01.2015 - 01.2016
Director & Head – SME Business
Citibank
01.2013 - 01.2015
Director and Business head Liabilities
Citibank
01.2011 - 01.2013
Master of Business Administration - Finance
K.J. Somaiya Institute of Management
Bachelor of Commerce -
University of Mumbai
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