SUBBULAKSHMI B
Chennai
Summary
Experienced Relationship and Wealth Management professional specializing in High Net Worth Individual (HNI) portfolios within Preferred and Priority Banking segments. Delivered tailored investment solutions while enhancing assets under management and fostering long-term client relationships. Skilled in client acquisition, portfolio advisory, cross-selling, and ensuring regulatory compliance.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Preferred Relationship Manager
HDFC Bank Limited
12.2021 - 03.2023
- Managed HNI client portfolios, delivering tailored wealth and investment solutions to meet client goals.
- Built and nurtured strong relationships with high-value clients.
- Achieved revenue targets by cross-selling mutual funds, insurance, fixed deposits, and asset products, enhancing client engagement.
- Advised clients on asset allocation and suitable financial products.
- Conducted client profiling and risk assessment.
- Resolved client requests promptly, ensuring high satisfaction and retention among high-value clients.
- Ensured compliance with KYC, AML, and audit requirements.
Priority Banking Relationship Manager
Axis Bank Limited
09.2018 - 07.2021
- Managed HNI clients in Priority Banking, enhancing relationship loyalty and retention.
- Expanded portfolio size by acquiring new clients and deepening existing relationships.
- Provided tailored investment advisory, increasing client engagement with wealth products.
- Maintained high customer satisfaction through personalized service.
- Monitored compliance with industry regulations.
Senior Officer - Personal and Business Banking
IDFC Bank Ltd
03.2016 - 08.2018
- Identified and sourced high net worth individual client base to establish strong networking and enhance market share.
- Identifying Clients through referrals from the existing clients and acquiring family banking relationships.
- Cross-sold various financial products to clients, including mutual funds and fixed deposits.
- Focused on customer-centric banking operations to ensure customer satisfaction through timely service delivery.
- Ensuring that maximum clients are aware of and use alternate digital channels for day to day banking requirements.
- Identified and resolved service issues to strengthen relationships with corporate customers.
- Handled customer complaints and provided suitable solutions on time.
- Monitored and managed service-related operations for prime segment clients to maintain high service standards.
- Delivery of Banking using technology and drive efficiency to set new standards of customer experience and convenience.
- Closely worked with the Branch Head on all the parameters of operations and sales.
Business Executive
AXIS Securities LTD
09.2014 - 07.2015
- Presented mortgage loan products to prospective clients, enhancing their understanding and engagement.
- Arranged loan events and developed sales activities to meet targets.
- Develop and maintain relationship with clients for repeat business and referrals.
- Provided pre/post assistance to ensure customer satisfaction.
- Bonding with Agents and taking care of business activities.
- Taking care of business standard targets and met with any deviations.
- Handled escalations and resolved the same by analyzing the root cause of issues.
Senior Lobby Sales Executive
HDFC Sales Pvt LTD
04.2011 - 04.2013
- Identified prospective clients and generated leads through Home Loan Counselor to drive new business development at HDFC Ltd.
- Cross-sold life insurance, general insurance, fixed deposits, and other financial products to HDFC home loan customers, enhancing overall customer value.
- Focused on achieving monthly sales targets through dedicated efforts and strategic client engagement.
- Clarified customer queries and fulfilled their needs promptly.
Sales Consultant
India Infoline Ltd
04.2008 - 12.2010
- Enhanced revenue growth by implementing effective sales techniques and building client relationships.
- Consulted with clients to identify financial needs and provide tailored solutions.
- Developed strong client relationships through regular follow-up and personalized communication.
- Presented financial products to clients, highlighting benefits and features effectively.
- Promoted ICICI Prudential Life Insurance through targeted venue marketing strategies.
Education
B.Sc - Computer Application
01.2006
HSC - Computer Science
01.2002
Skills
- Asset management and investment advisory
- Client profiling and KYC/AML compliance
- Compliance monitoring and service delivery
- Cross-selling techniques and excellence
- Portfolio analysis
- Client portfolio management
- Investment advisory
- Risk assessment
Certification
- Mutual Fund NISM
- IRDA
Accomplishments
- Recognition as an outstanding performer in loan disbursement value at AXIS Bank.
- Recognition as an outstanding performer in the Mutual Fund Early Bird Contest at AXIS Bank.
- Recognition as an outstanding performer for logged maximum policies for the day at AXIS Bank.
- Recognition for overachievement of true rate budget at AXIS Bank.
- Recognition as the highest revenue earner at AXIS Bank.
- Recognition as the highest FD OD login value at AXIS Bank.
- Recognition for 100% plus penetration on RTD rates at AXIS Bank.
- Consistently eligible for the incentive since joining AXIS Bank.
- Recognition as an outstanding performer in high relationship value 2016-17 at IDFC Bank for the FY 2016-2017.
- Recognition as an excellent performer on cross-sell at IDFC Bank for the FY 2016-2017.
- Recognition as an outstanding business performer in CASA value and numbers at IDFC Bank for the FY 2017-2018.
- Recognition as an outstanding contributor in SA value growth at IDFC Bank for the month of January 2018.
- Recognition as an outstanding contributor in SA value growth at IDFC Bank for the month of February 2018.
- Recognition as an outstanding contributor in SA value growth at IDFC Bank for the month of March 2018.
- Overachieved the savings account milestones in the year 2017-2018.
- Received many appreciation emails from customers.
- Received an award in appreciation of 3FM 2018 for maximum contribution in HDFC Life Insurance.
Languages
Tamil
Native
Native
English
Proficient (C2)
C2
Timeline
Preferred Relationship Manager
HDFC Bank Limited
12.2021 - 03.2023
Priority Banking Relationship Manager
Axis Bank Limited
09.2018 - 07.2021
Senior Officer - Personal and Business Banking
IDFC Bank Ltd
03.2016 - 08.2018
Business Executive
AXIS Securities LTD
09.2014 - 07.2015
Senior Lobby Sales Executive
HDFC Sales Pvt LTD
04.2011 - 04.2013
Sales Consultant
India Infoline Ltd
04.2008 - 12.2010