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
1
1
Certification
15
15
years of professional experience
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