SNEHA SANGAM
Rohini
Summary
Seasoned Senior Relationship Manager with robust experience in fostering and nurturing high-value client relationships. Strengths include strategic planning, project management, and financial acumen with a knack for resolving complex business issues. Successfully cultivated long-term partnerships that drive growth and profitability in previous roles.
Overview
13
13
years of professional experience
Work History
Senior Relationship Manager
Deustche Bank AG
New Delhi
02.2025 - 07.2025
- Cultivated strong client relationships through regular communication and follow-ups.
- Analyzed client needs to recommend tailored financial solutions and services.
- Developed strategic plans to identify growth opportunities within key accounts.
- Coordinated with internal departments to resolve client issues efficiently.
- Presented financial product updates to clients during quarterly review meetings.
- Interacted with customers and worked closely to resolve issues.
- Conducted regular meetings with customers to discuss their needs and provide tailored solutions.
- Analyzed customer data to identify areas of risk and potential opportunities for growth.
- Cultivated relationships with customers by participating in meetings onsite and at client locations.
- Provided ongoing support to customers throughout the life cycle of their relationship with the bank.
- Negotiated terms of service contracts with customers while ensuring maximum profitability for the bank.
- Resolved customer inquiries or complaints promptly and efficiently in accordance with established guidelines.
Portfolio Relationship Manager
Axis Bank Ltd.
Noida
01.2019 - 02.2025
- Achieved business targets for volume and profitability among EEG customers.
- Generated leads through branch interactions, CRM updates, and conversion assurance.
- Scoped markets to identify potential clients and devised strategies for product penetration.
- Updated CRM systems for effective account monitoring and task assignments across departments.
- Conducted monthly reviews with product groups to optimize product penetration strategies.
- Maximized portfolio yield to secure strong returns on capital.
- Facilitated cross-selling of liabilities, corporate salary accounts, and asset products to existing clients.
- Managed daily operations encompassing cheque referrals, query resolution, and transaction processing.
- Managed client relationships to ensure satisfaction and retention.
Relationship Manager
Kotak Mahindra Bank Ltd.
Delhi
12.2018 - 12.2019
- Developed working capital facilities to enhance profitability and strengthen banking relationships.
- Monitored portfolio quality and maintained accurate counts for effective management.
- Ensured monthly disbursement sourcing from branches to optimize cash flow.
- Maximized deal quality and primary credit to improve financial performance.
- Trained channel partners, liability team, and direct sales team for improved service delivery.
- Resolved customer complaints promptly to maintain high satisfaction levels.
- Increased fee income through strategic initiatives to boost overall profitability.
Credit Manager
fairassets technology private limited
Gurgoan
06.2018 - 12.2018
- Managed credit risk assessments for client applications and transactions.
- Developed and implemented credit policies to improve risk management practices.
- Analyzed financial statements to determine creditworthiness of clients.
- Coordinated with sales teams to align credit terms with customer needs.
- Reviewed and approved credit limits based on thorough evaluations.
- Oversaw collections processes to ensure timely payments from clients.
- Trained staff on credit analysis procedures and best practices.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Evaluated customer applications for credit limits in accordance with established guidelines.
- Reviewed accounts for signs of fraud and non-payment issues.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
Team Lead
Creditas Solutions
Gurgoan
11.2015 - 05.2018
- Conducted training sessions on credit analysis and management for employees.
- Managed team performance, facilitating professional growth and personal development.
- Applied quantitative and qualitative analytical techniques to diagnose client issues.
- Provided tailored solutions to clients based on credit score profiles.
- Implemented process improvements to streamline operations and increase productivity.
- Led cross-functional teams to enhance project delivery efficiency.
- Conducted training sessions for new team members on company protocols.
- Coordinated project schedules and resources to meet client expectations.
- Facilitated communication between departments to ensure alignment on goals.
- Developed team performance metrics to assess workflow effectiveness.
- Managed conflict resolution within the team to maintain a positive work environment.
- Oversaw quality assurance processes to ensure compliance with industry standards.
- Provided leadership and guidance to team members, ensuring that tasks were completed on time and to a high standard.
Senior Associate Manager
WIPRO BPO
New Delhi
01.2013 - 11.2015
- Resolved customer escalations for US and UK tech-based inbound voice processes.
- Ensured customer satisfaction through proactive engagement and timely resolutions.
- Achieved high customer retention rates by addressing concerns effectively.
- Managed technical issue resolutions within established timelines to maintain service quality.
- Collaborated with cross-functional teams to align business goals and objectives.
- Mentored junior associates to improve skills and build team capabilities.
Education
Masters of Business Administration - Finance
Annamalai University
New Delhi09-2018
Bachelor's of Commerce - Bachelor of commerce
University of Delhi
New Delhi08-2016
Intermediate -
CBSE
New Delhi01-2012
Matriculation -
CBSE
New Delhi01-2010
Skills
- Client relationship management
- Acquiring new business
- Portfolio management
- Banking relationship management
- Team management
- Training and development
- User behavior analysis
- Business analysis
- Process improvement
- Credit underwriting
Hobbies and Interests
- Reading
- Watching Movies
- Travelling
- Cooking
- Learning new skills
Languages
- Hindi
- English
- Maithili
Personal Information
Date of Birth: 02/12/94
Timeline
Senior Relationship Manager
Deustche Bank AG
02.2025 - 07.2025
Portfolio Relationship Manager
Axis Bank Ltd.
01.2019 - 02.2025
Relationship Manager
Kotak Mahindra Bank Ltd.
12.2018 - 12.2019
Credit Manager
fairassets technology private limited
06.2018 - 12.2018
Team Lead
Creditas Solutions
11.2015 - 05.2018
Senior Associate Manager
WIPRO BPO
01.2013 - 11.2015
Masters of Business Administration - Finance
Annamalai University
Bachelor's of Commerce - Bachelor of commerce
University of Delhi
Intermediate -
CBSE
Matriculation -
CBSE
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