RITESH UPADHYAY

Dynamic Relationship Manager with ICICI Bank Ltd, adept at financial analysis and credit assessment. Successfully negotiated tailored loan agreements, enhancing client satisfaction and portfolio performance. Proven ability in business development and effective communication, driving growth through strategic market research and competitive financing solutions.

• NISM - Mutual Fund VA Certified
• IRDA - Certified
• ICICI Bank Ltd - Foundation Course in Anti Money Laundering and KYC - India
• ICICI Bank Ltd - Trade Compliance
• ICICI Bank Ltd - Foundation Course in Exports, Imports and Remittance Process

Key Accomplishments:

• Expanded Corporate Portfolio: Successfully acquired and managed a portfolio of over 50 corporate clients with annual turnovers exceeding ₹60 crore, enhancing the bank's market presence.
• Optimized Working Capital Utilization: Increased the utilization of sanctioned working capital limits by 80%, contributing to improved client cash flow management and bank profitability.
• Enhanced Revenue Streams: Achieved a 20% year-over-year growth in fee-based income through effective cross-selling of trade finance and cash management products.
• Strengthened Client Relationships: Maintained high client retention by delivering customized financial solutions and proactive service, leading to increased wallet share.
• Risk Management Excellence: Conducted thorough credit assessments and financial analyses, ensuring high-quality credit appraisals and minimizing non-performing assets.
• Process Improvement Initiatives: Collaborated with cross-functional teams to streamline loan disbursement processes, reducing turnaround time by 15%.