VV RAMANA RAO
SME Relationship Manager
Visakhapatnam
Summary
Experienced Customer-centric SME Relationship Manager specializing in portfolio management and SME lending from Rs.5 Cr to 75 Cr. Proficient in credit structuring, risk mitigation, and EWI frameworks, driving 15% YoY growth while ensuring compliance with RBI norms. Demonstrated success in SME relationship management, client engagement, and strategic business growth through tailored financial solutions. Skilled in financial analysis, client relationship building, and risk management, promoting team collaboration and delivering results in dynamic environments. Adaptable, reliable, and poised to drive impactful business outcomes through strong relationships and strategic planning.
Overview
3
3
years of professional experience
2
2
Certifications
3
3
Languages
Work History
SME Relationship Manager - Risk & Portfolio Growth
ICICI BANK
03.2022 - Current
- Managed a Rs.350 Cr SME portfolio (20+ clients; manufacturing, logistics, services and traders).
- Performed end-to-end credit appraisals (Rs.5 Cr-75 Cr): financial due diligence, site visits, and risk grading.
- Rolled out risk-based pricing, boosting NIM on new deals.
- Drove 15% YoY growth through relationship workshops & periodic reviews.
- 360 degree coverage- assessing the asset and liability opportunity and promoting upselling and cross selling.
- Collaborated with cross-functional teams to streamline internal processes for improved efficiency in client servicing.
- Developed strong rapport with clients through regular communication, timely responses, and proactive updates on their accounts.
- Enhanced client satisfaction levels by regularly reviewing account performance and recommending improvements where necessary.
- Designed customized financing solutions that met clients'' unique business requirements and financial objectives.
- Shortened sanction cycle via tighter coordination with Risk, Legal & Credit Ops.
- Participated in networking events and industry conferences to maintain strong connections within the SME community.
- Managed a diverse portfolio of small-to-medium enterprises, ensuring optimal risk management and profitability.
- Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
Education
PGDB - Banking And Finance
Manipal Academy
Bengaluru, India 04.2001 -
Master of Arts - English Language And Literature
Acharya Nagarjuna University
Vijayawada, India 04.2001 -
Bachelor of Arts - Economics
Osmania University
Hyderabad, India 04.2001 -
Skills
Subject matter expertise in origination
Accomplishments
- Top Performer - SME Lending, FY 2024 (ICICI Bank)
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Led internal audit on SME Credit Controls; lauded for enhanced EWI protocols.
- Mentored 2 junior analysts on credit & relationship-management best practices.
Company
ICICI Bank
Certification
NPTEL
Timeline
Credit risk and operational risk
06-2023
SME Relationship Manager - Risk & Portfolio Growth
ICICI BANK
03.2022 - Current
NPTEL
04-2018
PGDB - Banking And Finance
Manipal Academy
04.2001 -
Master of Arts - English Language And Literature
Acharya Nagarjuna University
04.2001 -
Bachelor of Arts - Economics
Osmania University
04.2001 -
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