Ruchi Panjikar
London
Summary
Detail-oriented banking professional with nearly five years of experience in financial services. Dedicated to optimizing client relations and enhancing service delivery to exceed expectations. Proven track record of improving customer satisfaction ratings through targeted initiatives. Currently on a dependent visa, eligible to work without the need for sponsorship.
Overview
6
6
years of professional experience
Work History
Relationship Manager
HDFC Bank
09.2024 - 10.2025
- Spearheaded portfolio management for a book size exceeding 8 Million INR.
- Providing customized investment strategies aligning with UHNI client goals, risk appetite, and market dynamics
- Cultivated and managed long-term relationships with over 1200 UHNI clients, achieving a client retention rate of 98% and generating consistent AUM growth year-on-year.
- Originated and executed structured investment solutions, including private equity, alternative investments, and bespoke debt instruments, leading to a 25% increase in non-traditional investment allocations.
- Consistently exceeded revenue and cross-sell targets by identifying new opportunities in private banking.
- Ensured compliance with SEBI/RBI guidelines and internal risk policies while executing high-stakes transactions and maintaining client confidentiality.
Asset Desk Manager
Axis Bank
09.2022 - 08.2023
- Developed and implemented team contribution plans, aligning business objectives with strategic initiatives to drive asset growth and operational performance.
- Led the assets team in delivering key performance targets, while actively supporting broader organisational goals and cross-functional collaboration.
- Maintained and analyzed a comprehensive database of loan applicants, including credit histories and corporate financials, ensuring accuracy and compliance with internal standards.
- Supported senior credit officers with complex loan assessments and documentation, contributing to improved turnaround times and enhanced decision-making efficiency.
Personal Banker
HDFC Bank
11.2019 - 09.2022
- Proactively identified and developed new business opportunities, contributing to client base growth and increased branch revenue.
- Recognized for consistently exceeding branch KPIs in sales, customer satisfaction (NPS), and account growth.
- Delivered end-to-end customer service across a range of retail banking products including current accounts, savings, personal loans, credit cards, and mortgages.
- Advised clients on appropriate savings plans, lending products, and insurance options, ensuring suitability and compliance with regulatory standards (FCA, KYC, AML).
- Resolved customer queries and complaints efficiently, maintaining a professional and solution-oriented approach in line with service-level agreements.
- Supported the implementation of new digital banking tools and services, educating customers on online platforms, mobile banking, and self-service options.
Education
Bachelor of Science - Zoology
Magadh University
Patna, India01.2018
HSC - PCM
Kendriya Vidhyalya (CBSE Board)
India01.2014
SSC -
Army Public School (CBSE Board)
I01.2012
Skills
- Business development tools
- CRM technologies
- Microsoft Excel
- New business generation
- Service support
- Loans
- Wealth management portfolios
- Strategic selling
Languages
English
Hindi
Marathi
Punjabi
Bengali
Certifications
- IRDA Certified
- Business development tools
- CRM technologies
Personal Information
- Spouse's Name: Aditya Dubey
- Date of Birth: 12/26/97
Timeline
Relationship Manager
HDFC Bank
09.2024 - 10.2025
Asset Desk Manager
Axis Bank
09.2022 - 08.2023
Personal Banker
HDFC Bank
11.2019 - 09.2022
Bachelor of Science - Zoology
Magadh University
HSC - PCM
Kendriya Vidhyalya (CBSE Board)
SSC -
Army Public School (CBSE Board)
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