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
Coimbatore03-2013
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