SITHU VEL
Chennai
Summary
MBA-qualified banking professional with 10+ years of experience in the banking sector, including extensive exposure to SME Working Capital lending. Proven ability in driving business growth through quality sourcing, financial analysis, and effective relationship management while maintaining portfolio health.
Overview
11
11
years of professional experience
Work History
Relationship Manager
AU Small Finance Bank
08.2025 - Current
- Acquisition Manager (SME - Working Capital Finance)
- Acquired new SME clients for Working Capital products including CC, OD, LC, BG, and Bill Discounting.
- Sourced new business through customer acquisition and branch marketing activities.
- Assessed business funding needs such as cash flow gaps, operating cycle, and seasonal requirements.
- Performed financial analysis of Balance Sheet, P&L, Bank Statements, Stock Statements, and CMA data.
- Evaluated credit eligibility and prepared credit proposals as per bank policies.
- Coordinated with Credit, Legal, and Operations teams for timely sanction and disbursement.
- Achieved business targets while maintaining portfolio quality and low delinquency.
Relationship Manager
ICICI Bank
02.2023 - 08.2025
- Managed and owned an SME client portfolio with end-to-end responsibility.
- Drove business growth through new client acquisition and expansion of existing relationships.
- Achieved sales targets across Working Capital, Term Loans, and fee-based products.
- Performed financial analysis and prepared credit proposals as per bank policies.
- Coordinated with Credit, Legal, and Operations teams for timely sanction and disbursement.
- Monitored portfolio performance and controlled delinquency to maintain asset quality.
Priority Relationship Manager
Aditya Birla Sun Life (hdfc bank)
03.2022 - 02.2023
- Generated life insurance business through branch walk-ins and database calling.
- Conducted need analysis and sold Term, Savings, ULIP, and Retirement plans.
- Worked closely with branch Relationship Managers to drive sales targets.
- Handled proposal documentation and coordinated with underwriting for policy issuance.
- Provided after-sales service and ensured compliance with IRDAI and company policies.
Relationship Associate
Axis Bank
01.2020 - 03.2022
- Generated life insurance business through branch walk-ins and database calling.
- Conducted need analysis and sold Term, Savings, ULIP, and Retirement plans.
- Worked closely with branch Relationship Managers to drive sales targets.
- Handled proposal documentation and coordinated with underwriting for policy issuance.
- Provided after-sales service and ensured compliance with IRDAI and company policies.
Sales Officer
HDFC Bank
06.2019 - 01.2020
- Sourced new customers through field sales and marketing activities.
- Sold banking products such as Savings Account, Current Account, Deposits, and Loans.
- Generated leads through walk-ins, referrals, and cold calling.
- Completed account opening and ensured KYC documentation compliance.
- Achieved daily and monthly sales targets.
Assistant Relationship Manager
Kotak Mahindra Bank
06.2016 - 04.2019
- Sourced new customers through field sales and marketing activities.
- Sold banking products such as Savings Account, Current Account, Deposits, and Loans.
- Generated leads through walk-ins, referrals, and cold calling.
- Completed account opening and ensured KYC documentation compliance.
- Achieved daily and monthly sales targets.
Branch Sales Officer
HDFC Bank
04.2015 - 06.2016
- Sourced new customers through field sales and marketing activities.
- Sold banking products such as Savings Account, Current Account, Deposits, and Loans.
- Generated leads through walk-ins, referrals, and cold calling.
- Completed account opening and ensured KYC documentation compliance.
- Achieved daily and monthly sales targets.
Education
MBA - Finance and Marketing
Anna University
B.Com - Commerce
Madurai Kamaraj University
Madurai12th -
Tamil Nadu, Tamil10th -
Tamil Nadu, TamilSkills
- Term Loan
- Working Capital
- Banking Sales
- Private Banking
- Business Banking
- Personal Banking
- Retail Branch Banking
- Banking
- Retail Banking
- Branch Operations
- Retail Asset Operations
- Financial Operations
- Banking Operations
Languages
English
Intermediate
B1
Timeline
Relationship Manager
AU Small Finance Bank
08.2025 - Current
Relationship Manager
ICICI Bank
02.2023 - 08.2025
Priority Relationship Manager
Aditya Birla Sun Life (hdfc bank)
03.2022 - 02.2023
Relationship Associate
Axis Bank
01.2020 - 03.2022
Sales Officer
HDFC Bank
06.2019 - 01.2020
Assistant Relationship Manager
Kotak Mahindra Bank
06.2016 - 04.2019
Branch Sales Officer
HDFC Bank
04.2015 - 06.2016
MBA - Finance and Marketing
Anna University
B.Com - Commerce
Madurai Kamaraj University