To achieve professional excellence in the field of Banking by utilizing my skills, knowledge, abilities and experience to deliver key results aligned towards the realization of the organizational goals. Personal Attributes: Planning and organizing. Eagerness to learn new things and Innovative. Sincere and Hard working with time consciousness.
Hi, I’m
RAVIKUMAR V S
Hosakote ,Bangalore
Summary
Overview
13
years of professional experience
Work History
Axis Bank LtdBangalore
Area Sales Manager
08.2021 - Current
Job overview
- I was responsible for managing team of 7 relationship managers for building acquisition of New to Bank MSME relationships through the CRM/ Branch Banking Team and Through existing customer references in my cluster
- Responsible to build SME business primarily Agri PSL and MSME with turnover 1 Cr -75 Cr and ticket size of Rs.50 Lakhs to Rs
- 25 Crore in line with banks strategy and Good understanding of local industries and market opportunity
- Connecting with Branch Banking Cluster Heads and Branch Heads to generate the leads from branch sales and ops team and ensuring proper closing the provided leads
- Achieving sales target in line with business strategy of Area
- Working closely with the Credit/Risk team to drive business using appropriate sourcing strategy according to the dynamic market conditions
- Identify Cross Sell (Trade/Direct Banking/Forex/Insurance ) opportunities and derive strategies to maximize profitability
- Enhancing lending revenues – Net Interest Income/Yield, processing fee income and other income.
- Prospected, identified and cultivated relationships with contacts to promote product lines and solutions.
- Developed and implemented strategic sales plans to accommodate corporate goals.
- Monitored sales team performance and provided effective training to help each reach targets.
- Penetrated new markets by investigating competitor products, services and trends.
Yes Bank LtdBangalore
Relationship Manager
09.2014 - 08.2021
Job overview
- Exploring business opportunities under SME from ticket size Rs
- 1.00 crore to Rs.20.00 Crore (Working Capital, Term Loans, Trade Limits , Vendor Bill discounting channel Finance and Commodity finance) achieving the allocated budgets , profitability and cross selling of other products
- Coordination with other departments to smooth flow of process and deliver the results in prescribed TAT
- CAM preparation, Financial Analysis ,Dedupe Checks
- Execution of post sanction documents
- Enhancing lending revenues – Net Interest Income/Yield, processing fee income and other income
- Achieved client loyalty through quality, productivity, service and proactive management.
- Delivered positive experiences to customers at every touch point through clear communication and implementing strategies to improve satisfaction.
- Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
Axis Bank Ltd
Deputy Manager – Retail Agri (Relationship Manager)
06.2011 - 09.2014
Job overview
- Worked at Shimoga, Hoskote branch and Gangawati Branches
- Job Profile:
- Selling of Agri loan Products Like (Crop Loans, Commodity loans, Term Loans, Working capital, Dairy loans and Poultry loan etc
- Screening of all loan applications by document verification and field visits, making local enquiries
- Maintaining MEB and Achieving Month on Month budgets
- Selling Other Bank products like Accounts , Insurance , Auto Loans and Home Loans
- Keeping Branch portfolio healthy by time to time recovery and minimizing NPA levels
- Ensure timely Review & Renewal of ABR accounts in the branch
- Verification of end use of funds by regular post sanction visits
- Worked closely with customers to understand needs and resolve diverse issues.
Bayer Crop Science Bangalore
Sales Executive
04.2010 - 04.2011
Job overview
- I am given a position equivalent to Product Development Officer, where in I will be communicating with farmers Related to crops and giving Product demonstrations conducting group meetings and also I will be involved in sales activities
- Academic Qualifications:
- Qualification Year of Completion Institute/Board/University
- PGDM-AFB
Education
Agriculture & Food Management InstituteMysore
MBA from Agricultural Business
03.2010
University Overview
University of Agricultural Sciences , GKVK Bangalore
Bachelor of Science from Agriculture
04.2008
University Overview
Skills
- Technical Skills
- Working knowledge of ‘, FINACLE, CIBIL, ECBF, Financial Analysis
- Quick decision-making abilities
- Performance improvements
- Presentations and proposals
- Sales training
- Microsoft Office expertise
- Sales monitoring
Interests
Interests
Personal Profile:
Father’s Name Subbarayappa.V.N
Date of Birth- 1st Nov 1985
Interests Playing and watching cricket, reading news paper
Marital Status- Married
Languages
English, Kannada, Hindi, Telugu
First Language
Timeline
Area Sales Manager
Axis Bank Ltd
08.2021 - Current
Relationship Manager
Yes Bank Ltd
09.2014 - 08.2021
Deputy Manager – Retail Agri (Relationship Manager)
Axis Bank Ltd
06.2011 - 09.2014
Sales Executive
Bayer Crop Science
04.2010 - 04.2011
Agriculture & Food Management Institute
MBA from Agricultural Business
University of Agricultural Sciences , GKVK
Bachelor of Science from Agriculture
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