Summary
Overview
Work History
Education
Skills
Community Service
Websites
Entrepreneurial Experience
Timeline
Generic
Sitaram Sharma GS

Sitaram Sharma GS

Regional Head Visakhapatnam
Visakhapatnam

Summary

Goal-oriented Professional with over 18 years of rich & qualitative experience in MSME & Mid Corporate Banking, Agri-Business (Agriculture finance & Commodity) lending to MSME, Product Structuring, Project Finance along with general banking concepts. Possesses Team-based management style coupled with strong leadership to motivate peak individual performances. Wealth of expertise entails in delivering strategic direction to the regions for Loans and other Financial Products for monitoring & evaluating the business & competitive environment. Assessed financial risk in credit proposal, conceptualized & structured deals for credit advances, managed portfolio risk and ensured credit risk compliance as per regulatory norms. Prepared appraisal proposal analysis of various risks, drafted financial profitability of the company and inspected units for pre-disbursement assessment & post-disbursement monitoring of accounts. Value and model excellent client service by establishing goals & implementing plans to achieve high quality deliverables within timeframes. Impressive success in Sales & Product Management of both parameterized (Smart products like Vendor bill discounting, channel finance, and Value chain finance) and specialized products like Vendor bill discounting, channel finance, and Value chain finance. Successfully maintained excellent portfolio with minimum delinquency & NPAs; identified key accounts, managed portfolio, expanded client base for augmenting turnovers and achieved desired targets / goals. Monitored costs in a difficult economic environment; introduced new risk controls in the wake of a heightened regulatory framework, improved processes and ensured that customers received the best service experience.

Overview

18
18
years of professional experience
6
6
Languages

Work History

Associate Leadership Team – Regional Head

ICICI Bank Ltd.
04.2019 - Current
  • Created and managed a portfolio of 3,000 small and medium-sized enterprise (SME) and mid-corporate customers, handling a team of 30 relationship managers (RMs) and 4 team leaders (TLs) across 3 zones of Andhra Pradesh.
  • Responsible for increasing P2C and 360 of the entire customer base.
  • Responsible for business development through various channels, including branch, DSA, and CAs.
  • Responsible for profitability and risk-adjusted return on NCA and ERV customers by keeping delinquency under control.
  • Increased revenue by identifying new business opportunities and closing high-value deals.
  • Expanded market presence with targeted marketing campaigns and strong customer relationship building.
  • Conducted regular performance reviews, setting clear expectations and supporting employee development initiatives.
  • Implemented data-driven decision making, using analytics to identify trends and inform strategy development.
  • Delivered consistent results in challenging markets, adapting strategies to meet changing conditions.

Vice President – State Head – Tamil Nadu, Agri Business Product Management

Yes Bank Ltd.
01.2014 - Current
  • Currently ensuring deliverables in business for entire Tamil Nadu (Both Chennai and RoTN) and taking complete ownership of Agri portfolio worth INR 90 Cr. and PSL portfolio worth over INR 500 Cr. for products like KCC, Commodity Finance, Project Finance, Cash Credit, Overdraft, Term Loan, Warehouse Receipt Finance, Agri Term Loan, Vendor/channel finance, Letter of Credit and Bank Guarantee
  • Key Result Areas:
  • Collaborating with the Credit Appraisal Team, Legal Team & Operation Team for development in the business and coordinating with Govt. of Agriculture Department for agriculture subsidy issue
  • Devising business plan & sales strategy for the market to ensure attainment of company sales goals and profitability
  • Formulating action plans for effective search of sales leads & prospects and penetration in new markets
  • Adhering to all company policies, procedures & business ethics codes and ensuring clear communication & implementation within the team
  • Assuring the successful accomplishment of preset business targets in face of growing competition; identifying the prospective clients, generating business from new accounts & developing them to achieve profitability
  • Conceptualizing and implementing competent strategies with a view to penetrate new accounts and expand existing ones for a wide range of rural banking products / services
  • Administering the development of CRM for Agri sector, Business Banking and Corporate clients; identifying the prospective clients to generate business, ensuring seamless service to existing clients for securing repeat business; over-achieving the defined targets thereby resulting in enhancement of business portfolio
  • Interacting & coordinating with Credit, Legal / Counsel, Property Valuation, Fraud Control Unit, Field Verifications, Risk & Operations Team to monitor the risks & taking corrective actions to mitigate the same
  • Controlling & managing operational risk for the branch by ensuring adherence to laid down processes and agreed TATs thereby increasing customer satisfaction
  • Conducting pre-sanction and post sanction unit visits for effective assessment & monitoring; coordinating with SBUs & other outside agencies related to other functions
  • Restructuring stressed accounts, checking loan accounts & scrutinizing loans sanctioned by branches to ensure adherence of bank guidelines
  • Assessing the creditworthiness of borrowers and communicating with customers for delinquent account or overdue for reducing NPA
  • Analyzing the competitive elements in the target segments (other banks) & augment the presence & penetration of the brand in target market

Area Manager – Tamil Nadu

National Collateral Management Services Limited
06.2012 - 12.2013
  • Successfully facilitated site selection, land identification and acquisition in Erode, Kangayam, and Tuticorin districts of Tamil Nadu for construction of warehouse across storage hubs of Tamil Nadu
  • Independently managed NCDEX delivery Centre for turmeric to facilitate the demand of commodities (DEMAT and REMAT of turmeric for online trading)
  • Showcased excellence in:
  • Managing a fire insurance claim of over INR 5 Cr in a challenging environment by winning confidence of all stakeholders
  • Collateral Management of Silo Storage of 1 lakh MT of wheat for a single customer
  • Monitored overall field activities of Commodity Multy-Link Points (CMP), Collateral Management and Supply Chain Management (SCM) Divisions at the state level
  • Storage and preservation of Agro-commodities in Tamil Nadu in CMP warehouses
  • Collateral Management of INR 800 Cr. Asset under Management of pledged assets funded by various banks
  • Supply chain management for end-to-end commodity procurement, warehousing, and financing services to corporate clients, traders, Adath, JLGs and individual farmers through bank finance
  • Front led a team of over 75 employees for both on role & off role
  • Highlights:

Chief Manager – Sales Head

Kotak Mahindra Bank Ltd.
06.2007 - 08.2011
  • Impressive success in:
  • Enhancing the net interest margin and generation of non-interest profits through maximum cross sell
  • Generation of loan portfolio of INR 120 Crores for project finance, working capital, and non-fund-based products
  • Promoted from senior manager to chief manager in two years.
  • Accomplished the income, volume, customer acquisition targets for sales and established manpower in sub locations like Salem, Namakkal, Coimbatore, Trichy, Sankari & Tiruchengode in 2009
  • Recognized for steering exceptional efforts and won the Award for Best RM by Executive Director for highest disbursement at National Level in 2010
  • Career Path: Joined as Senior Manager and was promoted to Chief Manager in 2010
  • Highlights:

Education

Ph.D. - Micro Finance

SCSVMV
Kanchipuram, India
04.2001 -

CS (Executive) -

ICSI
01.2016

CAIIB - undefined

IIBF
01.2016

PGDM - Agri Business management

National Institute of Agricultural Extension Management (MANAGE)
01.2007

PGDDM - Development management

Tata Dhan Academy
Madurai, Tamilnadu
01.2004

B.Sc. - Agriculture

BHU
Varanasi, Uttar Pradesh
01.2003

Skills

  • Sales & Business Development

  • Team Management & Leadership

  • Proposal negotiation and structuring

  • Client Relationships

  • Channel Management

Community Service

Dhan Foundation, an NGO which works for women and farmer development in rural areas through Public Private Partnership and micro finance intervention, Executive trainee, 2004-09, 2005-05, Established the farmers’ federation office with full-fledged team in Palamaneru, Andhra Pradesh, Location

Websites

Entrepreneurial Experience

Worked in collaboration with Soda Hub by a Franchisee Arrangement with Spectra Ltd., Tirupati as an Entrepreneur (Sep 11 – May 12)

Timeline

Associate Leadership Team – Regional Head

ICICI Bank Ltd.
04.2019 - Current

Vice President – State Head – Tamil Nadu, Agri Business Product Management

Yes Bank Ltd.
01.2014 - Current

Area Manager – Tamil Nadu

National Collateral Management Services Limited
06.2012 - 12.2013

Chief Manager – Sales Head

Kotak Mahindra Bank Ltd.
06.2007 - 08.2011

Ph.D. - Micro Finance

SCSVMV
04.2001 -

CAIIB - undefined

IIBF

PGDM - Agri Business management

National Institute of Agricultural Extension Management (MANAGE)

PGDDM - Development management

Tata Dhan Academy

B.Sc. - Agriculture

BHU

CS (Executive) -

ICSI

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Sitaram Sharma GSRegional Head Visakhapatnam