Summary
Overview
Work History
Education
Skills
Languages
Timeline
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SUJAY BELGUMBA SHIVARAMAIAH

SUJAY BELGUMBA SHIVARAMAIAH

Dubai

Summary

A versatile professional with 18 years of experience with close to decade of experience in retail branch banking, I bring a deep understanding of credit analysis, portfolio management, and client relations. My career is highlighted by multiplying portfolio sizes and creating impactful lending strategies. Keen to leverage extensive industry knowledge and relationship-building acumen to drive success.

Overview

20
20
years of professional experience

Work History

Sales & Operations

Micro Tech Services FZ-LLC
Dubai, Dubai
08.2024 - Current
  • Represented company in diverse district sales and operations activities.
  • Verified overall customer plans to achieve sales and operations objectives.
  • Liaised with sales and operations to facilitate communication and maximize workflow efficiency.
  • Participated in sales and operations meetings to assess performance and forecast and formulate necessary corrective actions.
  • Established and enforced operational best practices to provide efficient and reliable plant operations.
  • Monitored and amplified sales pipeline to maintain flow of potential leads and prospects.

Relationship Manager

HDFC Bank
04.2016 - 09.2022
    • Managed a portfolio of 100–150 active clients, comprising salaried professionals, emerging HNIs, startup founders, and NRIs, with a total Assets Under Management – AUM of ₹ 50 Cr+.
    • Achieved 12–15% YoY AUM growth, contributing over ₹ 45 – 50 Lakhs in annual revenue through proactive relationship management and cross-selling.
    • Built long-term trust with clients, maintaining a 90%– client retention rate and an NPS score of 65–, reflecting high satisfaction and service quality.
    • Effectively cross-sold a diverse suite of financial products including mutual funds, insurance, home loans, NPS, ELSS, and tax-saving instruments; maintained an average product penetration of 3 products per client.
    • Developed a strong referral engine contributing to 30% of new client acquisitions, showcasing relationship depth and service trust.
    • Served as a trusted advisor to early-stage tech founders and senior IT professionals in Bangalore, advising on personal financial planning, asset allocation, and succession strategies.
    • Demonstrated strong understanding of the digital-first expectations of tech-savvy clientele in Bangalore, enabling high adoption of digital banking channels.
    • Collaborated closely with internal teams to deliver seamless onboarding, credit structuring, and investment advisory tailored to local market needs.

Coordinator

Labour Net Services Pvt Ltd
11.2013 - 03.2016
  • Identifying the right training methods for each situation (for example, imitations, mentoring, on-the-job training, professional development classes, etc.)
  • Determining the impact of training on employee skills by assessing instructional effectiveness and summing up evaluation reports.
  • Actively engaged in contract negotiation and agreement, as well as contract monitoring and quality assurance.
  • Performing a needs assessment across the organization to identify skill or knowledge gaps that must be filled.
  • Predicting price trends and their impact on future activities.
  • Creating training plans, as well as designing and developing training programs (outsourced or in-house).
  • Generating a purchasing strategy for a company.
  • Utilizing accepted educational principles and keeping track of new training methods and techniques.
  • Constructing a purchasing strategy for a business.

Senior Associate

Software Paradigm Infotech Pvt Ltd
05.2007 - 11.2013
  • Company Overview: IT Focused on Procurement, Administration, Facilities, Security Management, and Building Management Systems.
  • Establishing purchase orders for materials requested by customers and clients, as well as inventory management for material stocks.
  • Making monthly and annual expense budgets.
  • Helping with the issue of work orders for building maintenance, Tenders, and new building construction.
  • Undertaking regular checks and ensuring that the AMC for diesel generators, UPS systems, air conditioners, lifts, pest control, and other related factors is up to date.
  • IT Focused on Procurement, Administration, Facilities, Security Management, and Building Management Systems.

Team Lead & Sales Consultant

Advaith Hyundai Motor Pvt Ltd
02.2005 - 04.2007

Education

Bachelor of Arts - Economics

Karnataka State Open University
Mysore , India
05.2004

Skills

  • Client onboarding & lifecycle management
  • Client retention & loyalty development
  • Building long-term advisory relationships
  • Goal-based financial planning
  • Sales & Business Development
  • Cross-selling & up-selling financial products
  • Referral generation & lead conversion
  • Client segmentation & wallet share expansion
  • Credit assessment & documentation coordination
  • Market Awareness & Client Profiling
  • Digital & Analytical Proficiency in CRM tools
  • Strong communication
  • Conflict resolution & complaint handling
  • Ethical selling and compliance-oriented mindset

Languages

English
Hindi

Timeline

Sales & Operations

Micro Tech Services FZ-LLC
08.2024 - Current

Relationship Manager

HDFC Bank
04.2016 - 09.2022

Coordinator

Labour Net Services Pvt Ltd
11.2013 - 03.2016

Senior Associate

Software Paradigm Infotech Pvt Ltd
05.2007 - 11.2013

Team Lead & Sales Consultant

Advaith Hyundai Motor Pvt Ltd
02.2005 - 04.2007

Bachelor of Arts - Economics

Karnataka State Open University

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SUJAY BELGUMBA SHIVARAMAIAH