VIKAS POPAT RANDHE
RETAIL LOANS EXPERT
Dombivali
Summary
Driven Relationship Manager focused on deepening client relationships by providing superior service and support. Outgoing and ambitious professional with more than 15 years' experience in Retail Finance. Experienced with building and sustaining strong client relationships. Utilizes effective communication and problem-solving skills to address client needs and ensure satisfaction. Track record of managing diverse portfolios and achieving client loyalty through strategic relationship management.
Overview
1
1
Language
19
19
years of professional experience
Work History
AVP - Business Development
Mizuho Capsave Finance Pvt Ltd
03.2026 - Current
- Acquire fresh MSME and SME for supply chain
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Improved customer satisfaction by streamlining processes and implementing new strategies.
- Established policies and procedures that improved operational efficiency within the organization.
Relationship Manager
Saraswat Co-op Bank Ltd
09.2024 - Current
- Consistently exceeded quarterly sales goals by cultivating a strong network of professional contacts and referrals.
- Strengthened client relationships through regular, personalized communication, ensuring high levels of client satisfaction and retention.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
Relationship Manager
RBL Bank LTD
01.2024 - 09.2024
- Source New to Bank Asset relationships, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team.
- Cross Sell of Liability, Trade, Cash and Treasury Product actively.
- Timely Completion of Learning Programs as assigned by bank for time to time
- Ensure Timely Renewals of Accounts.
- Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client's business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified.
- Thorough monitoring of accounts sourced and keep track on customer's business and report any early warning signals.
- To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA's, Influencer's and Industry association to be updated on the current market practice and local intelligence.
- Ensure that the covenants and conditions prescribed by the credit team are consistently met.
Portfolio Manager
AXIS Bank Ltd
09.2019 - 01.2024
- Cross Sell of Liability, Trade, Cash and Treasury Product actively.
- Timely Completion of Learning Programs as assigned by bank for time to time
- Ensure Timely Renewals of Accounts.
- Source New to Bank Asset relationships, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team.
- Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client's business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified.
- Thorough monitoring of accounts sourced and keep track on customer's business and report any early warning signals.
- To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA's, Influencer's and Industry association to be updated on the current market practice and local intelligence.
- Ensure that the covenants and conditions prescribed by the credit team are consistently met.
Relationship Manager
ICICI Bank Ltd
09.2019 - 08.2021
- Source New to Bank Asset relationships, aligned to Bank Lending Policy and also ensure sanction and disbursement of the same, in liaison with Customer, Risk and Operations team.
- Cross Sell of Liability, Trade, Cash and Treasury Product actively.
- Timely Completion of Learning Programs as assigned by bank for time to time
- Ensure Timely Renewals of Accounts.
- Constant Monitoring of the Portfolio and ensure Timely Renewals. Provide regular feedback to the credit and portfolio team about various developments in the client's business. Work closely with the monitoring team for early warning signals and take appropriate actions as identified.
- Thorough monitoring of accounts sourced and keep track on customer's business and report any early warning signals.
- To be in touch with local business stakeholders including existing, prospective clients, market leaders, CA's, Influencer's and Industry association to be updated on the current market practice and local intelligence.
- Ensure that the covenants and conditions prescribed by the credit team are consistently met.
Asst. Manager
Clix Capital Services Pvt Ltd
08.2017 - 08.2019
- Meet and interact with the DSA, Clients.
- Explain the presentation of the Mortgage loan, Business Loan and Educational property Loan products.
- Develop the marketing and promotional strategies for company.
- Coordinate between mortgage loan, Business loan operation department, attorney and clients.
- Research and analyses the federal guidelines.
- Submit the proposal to the mortgage product development department.
Sr. Associates
Edelweiss Housing Finance Ltd
12.2013 - 08.2017
- Meet and interact with the DSA, Clients.
- Explain the presentation of the mortgage loan products.
- Develop the marketing and promotional strategies for company.
- Coordinate between mortgage loan operation department, attorney and clients.
- Research and analyses the federal guidelines.
- Submit the proposal to the mortgage product development department.
Business Executive
Axis Capital Ltd
12.2008 - 12.2013
- Meet and interact with the clients.
- Explain the presentation of the mortgage loan products.
- Develop the marketing and promotional strategies for company.
- Coordinate between mortgage loan operation department, attorney and clients.
- Research and analyze the federal guidelines.
- Submit the proposal to the mortgage product development department.
Sales Executive
Reliance Home Finance
01.2008 - 10.2008
- Responsible for promotion and marketing of the subsidiary products
- Design and develop the promotional strategies of loan products.
- Give presentation and clear their doubts.
- Analyze the economic scenarios of the borrowers.
- Guided and assist the loan processors.
Education
B. Com -
H.S.C. - undefined
S.S.C. - undefined
Skills
Customer relationship management in banking
Sales and customer relations
Relationship building
Business development
Networking
Asset management
Confidential information handling
Portfolio management
Cross-selling
Working Capital Facility renewals
Timeline
AVP - Business Development - Mizuho Capsave Finance Pvt Ltd
03.2026 - Current
Relationship Manager - Saraswat Co-op Bank Ltd
09.2024 - Current
Relationship Manager - RBL Bank LTD
01.2024 - 09.2024
Relationship Manager - ICICI Bank Ltd
09.2019 - 08.2021
Portfolio Manager - AXIS Bank Ltd
09.2019 - 01.2024
Asst. Manager - Clix Capital Services Pvt Ltd
08.2017 - 08.2019
Sr. Associates - Edelweiss Housing Finance Ltd
12.2013 - 08.2017
Business Executive - Axis Capital Ltd
12.2008 - 12.2013
Sales Executive - Reliance Home Finance
01.2008 - 10.2008
Mumbai board - H.S.C.,
Mumbai board - S.S.C.,
Mumbai University - B. Com,
PERSONAL DETAILS
Languages known: Marathi, Hindi and English.
Watching Movies
- Enjoy spending quality time with friends, helping build strong interpersonal and communication skills.
- Playing carrom, which enhances focus, strategic thinking, and teamwork.
- Watching TV to stay informed about current events and explore educational and entertainment content.
PERSONALITY TRAITS
- Excellent communication and presentation skills.
- Detail oriented and follow strong work ethics.
- Excellent ability to prioritize multiple objectives effectively.
- Flexible and adaptable personality
Watching Movies
- Enjoy spending quality time with friends, helping build strong interpersonal and communication skills.
- Playing carrom, which enhances focus, strategic thinking, and teamwork.
- Watching TV to stay informed about current events and explore educational and entertainment content.