RAVINDRA KUMAR MISHRA
Bengaluru
Summary
Senior SME and mid-market banking professional with 12+ years of experience across relationship management, credit underwriting, and portfolio risk management. Extensive experience managing large SME portfolios of approximately AED 395M across working capital, term loans, and trade finance. Strong background in credit appraisal, financial analysis, behavioral risk monitoring, and team leadership.
Overview
13
13
years of professional experience
Work History
Cluster Business Leader, SME Banking
YES Bank
01.2025 - Current
- Managed an SME portfolio of approximately AED 395M (INR 800 Cr) across working capital, term loans, and trade finance.
- Lead SME sales and portfolio teams; oversaw credit structuring and risk assessment; maintained CXO relationships.
- Led cross-functional teams to drive business development initiatives.
- Monitored compliance with regulatory requirements and internal policies.
Cluster Head (AVP), SME / Mid-Market
IDFC First Bank
01.2023 - 12.2024
- Led a team of 10 Relationship Managers; managed an SME and mid-market portfolio of approximately AED 220M (INR 500+ Cr); approved credit proposals.
- Managed strategic engagements with directors and CFOs to tailor financial solutions, enhancing client financing and service delivery.
● Oversaw a diverse client portfolio of 100, maintaining robust fund management, and client satisfaction.
Area Sales Manager, SME Banking
Axis Bank
04.2021 - 01.2023
- Managed a team of 20 Relationship Managers; oversaw an SME portfolio of approximately AED 220M (INR 500 Cr).
- Crafted detailed credit assessment memos based on comprehensive financial and industry analyses.
Area Credit Manager
ASHV Finance Ltd
11.2019 - 03.2021
- Led team of 7 Credit Managers; handled SME underwriting and portfolio monitoring.
- Managed credit risk assessments for diverse client portfolios.
- Developed credit policies to enhance decision-making processes.
- Reviewed loan applications to determine creditworthiness and compliance.
Relationship Manager, SME Banking
HDFC Bank
01.2016 - 11.2019
- Generated working capital sanctions of approximately AED 120M (n270+ Cr); managed SME portfolio of approximately AED 130M (n300 Cr).
- Facilitated communication between clients and internal teams for seamless service delivery.
- Analyzed client needs to recommend tailored banking solutions effectively.
- Managed client relationships to enhance satisfaction and loyalty.
Relationship Manager, Business Banking
ICICI Bank
07.2013 - 01.2016
- Converted SME leads into working capital limits of approximately AED 25M (n57 Cr).
- Analyzed client portfolios to recommend suitable banking products and services.
- Developed strategies to attract new customers while retaining existing ones.
Education
PGDM - Finance & Marketing
SCMS
01-2013
Bachelor of Business Administration - Business Administration And Management
GVP Degree College
Andhra Pradesh01-2011
Skills
- SME and mid-market banking
- Credit underwriting and risk assessment
- Working capital and trade finance
- Portfolio management
- Financial statement analysis
- Team leadership
- CXO engagement
- Credit structuring
- Risk assessment
- Business development
Projects
Client risk report – Behavioral risk monitoring
Designed a quarterly behavioral risk monitoring model using transaction patterns, limit utilization, and repayment behavior, and enabled early identification of emerging risks through trend analysis and threshold-based alerts
Automated client risk assessment scorecard
Automated a risk-based client scorecard to support customer segmentation and standardized credit decision-making, reduced approval turnaround time, and improved portfolio quality through consistent, policy-aligned assessments
Systems
- Finacle
- Flexcube
- FinnOne LOS
- MS Excel
- PowerPoint
- Basic SQL
Timeline
Cluster Business Leader, SME Banking
YES Bank
01.2025 - Current
Cluster Head (AVP), SME / Mid-Market
IDFC First Bank
01.2023 - 12.2024
Area Sales Manager, SME Banking
Axis Bank
04.2021 - 01.2023
Area Credit Manager
ASHV Finance Ltd
11.2019 - 03.2021
Relationship Manager, SME Banking
HDFC Bank
01.2016 - 11.2019
Relationship Manager, Business Banking
ICICI Bank
07.2013 - 01.2016
PGDM - Finance & Marketing
SCMS
Bachelor of Business Administration - Business Administration And Management
GVP Degree College