ASHWIN RAJ
Abu Dhabi,United Arab Emirates
Summary
Results-driven banking professional with over 10 years of experience in retail and SME banking. Expertise in leading teams to enhance branch profitability and manage high-net-worth and SME portfolios. Strong background in operational excellence, compliance, and strategic growth. Proven ability to identify market opportunities and exceed performance targets while delivering exceptional customer service.
Overview
15
15
years of professional experience
1
1
Certification
Work history
Relationship Officer
National Bank of Ras Al Khaimah (RAKBANK)
Abu Dhabi, UAE
2022.08 - 2026.05
- Managing customer relationships and ensuring superior client servicing standards.
- Promoting banking products and financial solutions to retail and SME customers.
- Identifying cross-selling and upselling opportunities to maximize revenue growth.
- Handling customer inquiries and resolving issues effectively to enhance customer satisfaction.
- Ensuring compliance with banking regulations and internal operational procedures.
- Building long-term relationships with clients to improve retention and portfolio growth.
- Successfully contributed to branch business growth through strategic client acquisition.
- Maintained strong customer retention through personalized relationship management.
Branch Head (Senior Manager)
HDFC Bank Ltd
Kochi, India
2021.01 - 2022.02
- Led branch operations and ensured achievement of business and profitability targets.
- Supervised branch staff and enhanced productivity through performance monitoring.
- Managed HNI client portfolios and strengthened customer relationships.
- Ensured operational efficiency, audit compliance, and adherence to banking regulations.
- Developed strategies for branch expansion and business acquisition.
- Coordinated sales initiatives to increase branch revenue and market penetration.
- Consistently achieved incremental business targets assigned to the branch.
- Strengthened operational controls and improved branch efficiency.
- Enhanced customer satisfaction through service excellence initiatives.
Relationship Manager – SME (Senior Manager)
CSB Bank Ltd
2019.06 - 2021.01
- Managed SME customer portfolios and acquired new business relationships.
- Assessed client financial requirements and proposed suitable banking solutions.
- Handled SME file sourcing, processing, and documentation.
- Coordinated with internal teams for credit approvals and loan processing.
- Conducted market analysis to identify potential business opportunities.
- Ensured compliance with internal credit and audit standards.
- Ranked among the top SME lead generators during FY 2019-20.
- Successfully expanded SME portfolio through strategic market penetration.
Branch Head (Senior Manager)
CSB Bank Ltd
2017.04 - 2019.06
- Managed overall branch banking activities including sales, operations, and customer service.
- Led and mentored branch staff to achieve organizational goals.
- Monitored branch profitability and ensured achievement of growth targets.
- Maintained operational and audit standards in accordance with banking policies.
- Developed local market strategies for customer acquisition and retention.
- Member of MD Performer’s Club for FY 2018-19.
- Successfully improved branch productivity and customer engagement.
Branch Head (Branch Manager)
CSB Bank Ltd
2015.04 - 2017.04
- Managed day-to-day branch operations and customer relationship activities.
- Ensured smooth coordination between sales and operations teams.
- Drove branch sales performance and monitored operational compliance.
- Enhanced branch visibility through local business development initiatives.
Assistant Manager
CSB Bank Ltd
2011.06 - 2015.04
- Assisted in branch banking operations and customer service management.
- Supported sales initiatives and handled retail banking products.
- Managed customer documentation and ensured process compliance.
- Assisted in achieving branch business and operational targets.
Education
PGDM - Finance & HR
DC School of Management and Technology
Vagamon, Kerala, IndiaBachelor of Science - Microbiology
Garden City College
Bangalore, IndiaSkills
- Retail Banking Operations
- SME Relationship Management
- Business Development
- Team Leadership & Staff Management
- HNI Client Relationship Management
- Credit & Financial Analysis
- Sales Strategy & Target Achievement
- Customer Acquisition & Retention
- Market Analysis & Lead Generation
- Negotiation & Communication Skills
- Cross-functional Coordination
- Client Portfolio Management
- Relationship Management
- Credit Assessment
- SME Banking
- Financial Analysis
- Audit & Compliance
- Client Acquisition
- MS Office Suite
- Reporting & Documentation
- Problem-solving
- Communication skills
- Team building
- Calm under pressure
- Target achievement mindset
- Multitasking capabilities
- Effective networking
- Negotiating expertise
- Business development
- Lead generation tactics
- Customer Service
- Customer relations
Certification
JAIIB – Junior Associate of the Indian Institute of Bankers
LANGUAGES
English
Hindi
Malayalam
Tamil
Accomplishments
- Top SME Lead Generator – FY 2019-20
- Member of MD Performer’s Club – FY 2018-19
- Among the Top Retail Asset/LAP Lead Generators – FY 2021-22
ADDITIONAL INFORMATION
- Passport Number: T0908972
- Current Location: Abu Dhabi, UAE
- Willing to relocate across the UAE and GCC region
Timeline
Relationship Officer
National Bank of Ras Al Khaimah (RAKBANK)
2022.08 - 2026.05
Branch Head (Senior Manager)
HDFC Bank Ltd
2021.01 - 2022.02
Relationship Manager – SME (Senior Manager)
CSB Bank Ltd
2019.06 - 2021.01
Branch Head (Senior Manager)
CSB Bank Ltd
2017.04 - 2019.06
Branch Head (Branch Manager)
CSB Bank Ltd
2015.04 - 2017.04
Assistant Manager
CSB Bank Ltd
2011.06 - 2015.04
Bachelor of Science - Microbiology
Garden City College
PGDM - Finance & HR
DC School of Management and Technology