Ramith Ravindran T
Bangalore
Summary
progressive experience across retail banking, housing finance, gold loan operations, credit risk, branch management, and cluster quality, and managing multi-location teams across Karnataka and Kerala. Adept at strategy execution, business development, customer relationship management, and high-value portfolio handling (LAS, HL, GL, SME). Strong leadership presence with a proven ability to scale operations, optimize processes, and deliver consistent business outcomes in competitive markets.
Overview
10
10
years of professional experience
Work History
Area Retail Sales Manager
GICHFL
Bangalore, India
03.2026 - Current
- Leading sales operations for the HL/LAP portfolio with a focus on productivity optimisation and channel development.
- Driving pipeline growth through builder relationships, DSA onboarding, and cross-functional collaboration.
- Monitored competitor activity, adapting strategies to maintain competitive advantage and market leadership.
- Managed and motivated a team of 5+ sales associates, fostering a culture of high performance and customer excellence.
Sales Manager
LICHFL Financial Service Ltd
Bangalore, India
11.2024 - 02.2026
- Leading sales operations for the HL/LAP portfolio with a focus on productivity optimisation and channel development.
- Driving pipeline growth through builder relationships, DSA onboarding, and cross-functional collaboration.
- Strengthening portfolio quality through strategic sourcing and customer-centric acquisition models.
- Enhancing regional business performance through targeted sales interventions and competitor mapping.
Sales Manager
Kotak Mahindra Bank
12.2022 - 06.2023
- Managed LAS & HL portfolios across Kerala and Bangalore clusters with strong focus on revenue maximization.
- Supported Wealth Management teams for high-value LAS acquisitions and retention.
- Contributed to regional growth through strategic customer engagement and portfolio deepening.
- Strengthened sales governance, compliance, and process adherence across assigned locations.
- Enhancing regional business performance through targeted sales interventions and competitor mapping.
Deputy Manager
Axis Bank Ltd
02.2019 - 03.2020
- Led GL, EL, HL, and LAS business volumes across the Karnataka and Kerala clusters.
- Enabled strong branch activation through regular product training and productivity enhancement.
- Strengthened long-term customer relationships for recurring business and cross-sell conversions.
- Ensured consistent delivery of regional targets through structured planning and market penetration.
Branch Manager
IIFL (India Infoline Group)
02.2019 - 03.2020
- Directed branch-level business development with focus on GL, BL, and HL product growth.
- Implemented effective audit, compliance, and branch governance practices.
- Enhanced branch profitability through strategic customer onboarding and operational excellence.
Credit Risk Manager
Assetify (ECW Consultants Pvt Ltd)
02.2021 - 12.2022
- Managed SME and vehicle loan credit assessments to support quality-driven sanctioning.
- Improved credit policies and risk frameworks ensuring regulatory compliance and reduced delinquency.
- Streamlined credit evaluation processes to enhance TAT and customer experience.
Cluster Branch Manager
The Muthoot Group
11.2016 - 12.2018
- Oversaw multi-branch operations driving growth in GL, money transfer, and NCD verticals.
- Led branch performance, audit readiness, and customer relationship initiatives across the cluster.
- Ensured operational control, risk management, and process integrity across retail branches.
Education
MBA - Finance & Banking
Indian School of Business Management & Administration
Bengaluru, KA01-2012
Bachelor of Commerce - Computers
Kristu Jayanti College
Bengaluru, KA01-2006
PUC - HECA
Jubilee College
Bengaluru, KA01-2003
SSLC - SSLC
Jubilee School
Bengaluru, KA01-2001
Skills
- Sales and Business Development
- Retail Banking Operations
- Portfolio and Risk Management
- Leadership and Team Management
- Customer Relationship Management
- Strategic Planning and Execution
- Loan Products (GL, EL, HL, LAS, SME)
- Sales strategy
- Team leadership
- Market analysis
- Customer engagement
- Relationship management
- Performance optimization
- Cross-functional collaboration
- Pipeline management
- Business development
- Positive attitude
Timeline
Area Retail Sales Manager
GICHFL
03.2026 - Current
Sales Manager
LICHFL Financial Service Ltd
11.2024 - 02.2026
Sales Manager
Kotak Mahindra Bank
12.2022 - 06.2023
Credit Risk Manager
Assetify (ECW Consultants Pvt Ltd)
02.2021 - 12.2022
Deputy Manager
Axis Bank Ltd
02.2019 - 03.2020
Branch Manager
IIFL (India Infoline Group)
02.2019 - 03.2020
Cluster Branch Manager
The Muthoot Group
11.2016 - 12.2018
MBA - Finance & Banking
Indian School of Business Management & Administration
Bachelor of Commerce - Computers
Kristu Jayanti College
PUC - HECA
Jubilee College
SSLC - SSLC
Jubilee School