Suraj Kumar
Bank Of Baroda
Bengaluru
8
years of professional experience
Experienced and self-motivated Senior Relationship Manager with 8 years of experience in Banking industry with a specializations in MSME Products, working Capital products and Unsecured Business loan products. Bringing forth a proven track record of working collaboratively with sales teams to achieve goals, increase revenue gains, and advance the sales cycle of the company. A strong leader with the ability to increase sales and develop strategies to retain customers.
Work History
Senior Manager
3 Years 11 Months- Generate Business, team as a whole and in individual capacity as per the productivity Matrix fixed by authority.
- Capturing the lead data through preparation of basic Appraisal note along with KYC and other data.
- Visits to new Prospective SME customers singly or jointly along with credit team.
- Planning for lead generation activities by holding customers’ meet, briefing of new products at small gatherings.
- Following up with all SMA -2 customers for the repayment of dues in the accounts · Coordination and conversion of soft lead generated by branches, if referred.
- Having Experience in Supply Chain Finance - SCF products for Automobiles like TATA, HONDA, Maruti Suzuki, ACE, Sail steels, JSW Steel and other supply chain Finance Products.
- Guidance to the Sales team to Monitor the performance of Sales team by obtaining details on performance on daily basis as per the set procedure.
- Exploring new customers and strengthening relations with existing customers.
- Establishing contact and Relationship with bank’s existing customers for driving P&L account wise.
- To get involved into various market intelligence inputs while being into field and utilize the same to generate good quality leads and at the same time provide the intelligence report to relationship managers of respective account.
- Meeting key promoters of companies, meeting MSME Channel partners , DSA and Charted Accountants.
- Provide feedback for product development/ modifications, keeping in view market conditions and bank guidelines.
- Building Relationship with the key persons CFO/Promoters in the target segments to build client Trust and confidence
- Meeting all major Chartered Accountants and maintaining good Relationship with them to acquire new clients
- Performing Basic due - diligence for KYC/Company KYC, EDD/Compliance on a customer account
Relationship Manager
6 Months- Worked closely with Branch teams for new customer acquisition.
- Handing Working capital Channel Partners for new client acquisitions and identifying new DSA empanelment
- Identifying Channel Partner of MSME loans in Bengaluru Region
- Maintaining Relationship with Existing Corporate Clients and meeting Key CA/CFO of the companies.
- Cross Selling of Ancillary Business to Existing as well as New Corporate Customers.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
Territory Manager
2 Years 5 Months- Handling corporate channel Partners and DSA to drive Business loan in Bengaluru location.
- Sourcing Business loans for Self employed Non professional as well as Self employed professionals like doctors, Charted Accountants and Dental etc.
- Working Closely with multiple of Channel partners in Bengaluru location
- Conducting meeting and educating the channel partners pertaining to latest policy changes.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Organized regular training sessions for team members to enhance their product knowledge and overall sales skills.
- Liaised with sales, marketing, and management teams to develop solutions and accomplish shared objectives.
Relationship Manager
3 Years 5 Months- Target and Manpower planning for the branch.
- Ensure recruitment and training of manpower – Sales Manager.
- Will be responsible for meeting disbursements targets month on month.
- Identifying business clusters with high potential and execute penetration strategies.
- Tracking and improving Manpower Productivity at all levels.
- Monitoring and mentoring the branch team.
- Keeping a regular track of competition and reporting new products / market developments to upstream.
- Managing product mix and branch profitability.
- Taking care of South Karnataka Region like Mangaluru, Udupi , Manipal.
- Taking care of unsecured Business loan product- BIL
- Channel partner empanelment and DSA management.
Education
Post Graduate Diploma - Banking
Bachelor of Technology - Mechanical Engineering
Secondary School Certificate
Higher Secondary school Certificate
Skills
Core Skills
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Writing
Sales
QuickBooks (Accounting Software)
Due Diligence
Leadership
Working Capital
Certification in MS Excel with Automation
Awareness
Consistent
Relationship Building
Business Banking
Customer Contact
Customer Needs
Information Protection
MIS
Risk Management
Service Quality
Cross-functional Team Coordination
Strategic Planning
Documentation And Reporting
Market Analysis
Training and Development
Customer Relationship Management
Customer Service
Business Development
MS Office
Negotiation
Problem-solving abilities
Languages
Timeline
Senior Manager
Bank Of Baroda
12.2022 - CurrentRead More
Relationship Manager
AU Small Finance Bank LTD
05.2022 - 11.2022Read More
Territory Manager
IDFC FIRST Bank Ltd
09.2019 - 02.2022Read More
Relationship Manager
ICICI BANK LTD
04.2016 - 09.2019Read More
Manipal University
Post Graduate Diploma from Banking
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IIMT Engineering College
Bachelor of Technology from Mechanical Engineering
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St. Dominic Savio's High School
Secondary School Certificate
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St. Dominic Savio's High School
Higher Secondary school Certificate
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