Kshitiz Mukhia

•⁠ ⁠Managed and grew a commercial portfolio of 1,000+ SME clients, exceeding £100 million in value, focusing on high-quality service delivery and long-term strategic advisory.
•⁠ ⁠Delivered customized financial solutions including Business Loans, Overdrafts, Asset Finance, and Invoice Discounting — aligning with each client's sector, cash flow, and growth trajectory.
•⁠ ⁠Consistently exceeded quarterly acquisition and lending targets, maintaining a 100% success rate in onboarding new business accounts.
•⁠ ⁠Led relationship development efforts by hosting regular business networking sessions and representing the bank at external SME and Chamber-of-Commerce events.
•⁠ ⁠Championed digital onboarding and relationship tools such as Microsoft Dynamics 365, Power BI, and FullCircl to improve lead generation, customer insights, and portfolio performance.
•⁠ ⁠Acted as a mentor and subject-matter expert for complex account structures, AML/KYC compliance, and financial documentation, enhancing team capability and client turnaround times.
•⁠ ⁠Collaborated cross-functionally with credit, compliance, and regional managers to maintain credit quality while enabling business growth.

•⁠ ⁠Fast-tracked to expert-level certification in account opening, branch operations, and regulatory compliance including FCA, PRA, and Anti-Money Laundering standards.
•⁠ ⁠Delivered high-impact customer service and maintained 95%+ accuracy in client onboarding, ensuring "Right First Time" principles and audit-readiness.
•⁠ ⁠Partnered with commercial teams to pre-qualify and prepare SME clients for business account onboarding and financial product applications.
•⁠ ⁠Resolved escalated customer service and transaction issues with efficiency and empathy, improving branch-level customer satisfaction scores.

•⁠ ⁠Delivered customer-centric service and hands-on technical support for office automation equipment, ensuring minimal downtime and optimal client experience.
•⁠ ⁠Built strong B2B client relationships by tailoring service agreements, offering technical consultations, and executing post-service follow-ups.
•⁠ ⁠Developed early skills in relationship management, issue resolution, and technical training — foundations for later success in financial services.