SHARATHKUMAR K
BANKING
Bangalore
Summary
Seeking managerial position with a growth oriented organization, where I can best utilize my skills and knowledge in the field of Banking, while concurrently upgrading my managerial and technical skills and position in the organization. Professional skills Excellent communication and interpersonal skills with ability to grasp new concepts quickly and utilize the same in a productive manner Strong technical, problem solving & organizational abilities Strong Team Working abilities.
Overview
8
8
years of professional experience
1
1
Certification
2
2
Languages
Work History
Senior Relationship Manager
HDFC Bank Ltd
Bangalore
09.2018 - Current
- New client acquisition, primary underwriter and revenue generation through sale of all financial Products Including Working capital, Commodity Pledge loans, Gold loans, Mortgage loans, Consumer loans and Insurance,
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Profiling Customers and provide all kind of relative financial products to meet customer needs
- Coordination with external Agencies - CPV, Advocate, Revenue Department , Valuation agencies and other verticals including credit, Operation, RIC, for smooth disbursement of loan
- Leading And Monitoring -Sales team including Sales officer, Sales executives and HDB executives
- Profiling Size of +100 Cr and provide all kind of relative financial products to meet
- Have achieved business target every month and always listed above bench mark performance.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Awarded as Golden RM
- Has been rated has Key Performance + EC in All FY
Relationship Manager
Axis Bank Ltd
Tumkuru,
01.2016 - 08.2018
- Work Roles and responsibility- Relationship manager > Rural lending
- To grow business of area and achieve budgeted sales and service
- New client acquisition and revenue generation through sale of all financial Products Including PSL , SME, Mortgage loans, Consumer loans, Insurance, Gold loans and Commodity Pledge loans and Auto loans
- Portfolio management: Including Monitoring of AOD, Renewals of CC/OD Accounts And Enhancement for Existing customers, Monitoring the Debit Interest payment/rotation.
- Deepen the relationship by cross selling to mapped clients and services according to customer needs
- Developing and expanding existing High Net worth Customer relationship for retail liabilities by sourcing new customers
- Handled 5 budgeted branches (2 Districts) and along with other branches
Education
Master of Science - Plant Physiology
Sam Higginbottom Institute of AgricultureTechnology And Sciences
Allahabad 08.2013 - 2015.07
Bachelor of Science - Agriculture
University of Agricultural Sciences
Bangalore 08.2009 - 2013.04
Skills
New business generation with market scoping
Certification
Insurance Regulatory and Development Authority
Timeline
Insurance Regulatory and Development Authority
02-2023
Senior Relationship Manager
HDFC Bank Ltd
09.2018 - Current
Relationship Manager
Axis Bank Ltd
01.2016 - 08.2018
Master of Science - Plant Physiology
Sam Higginbottom Institute of AgricultureTechnology And Sciences
08.2013 - 2015.07
Bachelor of Science - Agriculture
University of Agricultural Sciences
08.2009 - 2013.04
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