Summary
Overview
Work History
Education
Skills
Languages
Personal information
Timeline
AssistantManager
Ramshad A

Ramshad A

Palakkad

Summary

Having 10 years of Banking with sales experience.Seasoned Cluster Head with background in managing and coordinating cross-functional teams. Known for strategic planning and effective decision-making skills that drive organizational growth. Strengths include team leadership, innovative problem solving, and operational efficiency. Previous roles have seen significant improvements in productivity, cost efficiency, and overall team performance due to these competencies.

Overview

10
10
years of professional experience

Work History

Cluster Head - Dairy

HDFC Bank Ltd
Coimbatore
12.2023 - Current
  • Managing the team of 8 Relationship Managers all over Tamilnadu
  • Head of state for Dairy cattle funding business
  • Dealing with Dairy corporate and Govt Co operative societies for business
  • Interacting with credit and verticals for business conversions
  • Diversification product sourcing KGC, working capital and Gold loans
  • Managing the RM portfolio quality
  • Controlling delinquency customers

RM - Dairy Development & BC Management

HDFC Bank ltd
Thrissur
07.2019 - 12.2023
  • Area Head of Business correspondents team for South States
  • Part of Financial inclusion programme of Bank
  • Managing the 60 BCs in all over Kerala, Tamilnadu and Karnataka
  • Generating cross sell business through BC's
  • Business review and Team handling
  • Product training and Business development
  • Driving various product through BCs
  • Developing Dairy business in South states
  • Relationship build with Dairy corporates
  • Pilet Business sourcing of Dairy cases

RM - Agri Lending

HDFC Bank ltd
Thrissur
05.2017 - 06.2019
  • New customer acquisition and completion of onboarding procedure
  • Market study for reference and new business generation
  • Regular communication with the existing clients for providing services
  • Discussion with credit for sanction approval
  • Documentation for disbursement and following up the till disbursement.
  • Renewal follow up and completion
  • Portfolio management

RM- Rural Initiative Group

HDFC Bank Ltd
Palakkad
03.2014 - 07.2017
  • Part of Bank financial inclusion programme
  • Generating business through Business correspondents
  • Regular communication with Business correspondents
  • Monitoring their daily activities and business review
  • Monitoring audit compliance and revert
  • New BC acquisition at village level
  • Driving Govt programme through BCs

Education

BBA - Business Administration And Management

Sree Narayana Guru College
Coimbatore
03-2013

Skills

  • Team Handling
  • Leadership
  • Decision making
  • Problem solving
  • Consistency
  • Planning and execution

Languages

Malayalam
First Language
English
Upper Intermediate
B2
Tamil
Upper Intermediate
B2
Hindi
Elementary
A2

Personal information

  • Marital status - Married
  • Date of Birth - 09- Sep- 1992
  • Nationality- Indian

Timeline

Cluster Head - Dairy

HDFC Bank Ltd
12.2023 - Current

RM - Dairy Development & BC Management

HDFC Bank ltd
07.2019 - 12.2023

RM - Agri Lending

HDFC Bank ltd
05.2017 - 06.2019

RM- Rural Initiative Group

HDFC Bank Ltd
03.2014 - 07.2017

BBA - Business Administration And Management

Sree Narayana Guru College
Ramshad A