1. K R A Balajee Ramani Iyer
Mobile: 91767 22255
E-mail id: KRABALAJEERAMANIIYER46@gmail.com
Professional Summary
Financial Services Professional with over 16 years of experience in Sales & Marketing, Business
Development, Key Account Management, Channel Management with profit responsibility. An effective
communicator with skills in interfacing with clients, suggesting viable product range, cultivating relations
with them for securing repeat business and ensuring quality delivery of projects to the clients.
Team Management, Building and maintaining healthy business relations with customers, enhancing
customer satisfaction matrices by achieving quality delivery services. SPOC in handling high net worth
customers
Specialties
 SME Financial Products, Trade and Forex Products, Home loan financial products, Mortgage
loans, Capital Markets.
Educational Qualifications
• Bachelor of Marketing Management, Pondicherry University
• Diploma in Sales Management, Alagappa University
• Certifications
o Done Advanced Diploma in Computer Applications
o Certificate in Trade Finance –Indian institute of banking and Finance
o Certificate of FEDAI
Achievements
• Award of Best RM of the South Zone in INDUSIND Bank BBG part of Corporate Banking
Vertical and Top revenue contributor of FX, Trade and Fee income in BBG vertical Pan India in a
Financial Year of 2009-2010
• Sourced a client worth of Rs. 100 crore
• Disbursement of Rs. 68.5 Crores in single LCBD to a corporate client
• Disbursed a loan of Rs. 50 Crore to a MNC entertainment giant.
• Created Benchmark of transforming a Spoke into a branch, resulting in 3.75crore Home loan
disbursement per month.
• Disbursement of Home loan worth of Rs. 2.5 Crores in a month
• As a franchisee centre Marketing Manager received best franchisee and cash award
• Organized & actively participated in Trade fairs, corporate sales promotion, Road shows.
Professional Experience
Present Role in IndusInd Bank
Manager – Customer Service
Corporate and Global Market Operations
Key Responsibilities:
Corporate Client Servicing – End to End
Employed with IndusInd Bank as a Branch Manager for Consumer Finance Division,
Chennai
August 2013 onwards

2. Key Responsibilities:
Commercial Vehicle / Construction Equipment Product sales
Portfolio Management
Collections / Customer Service
Team Handle / People Management
Branch Business Head
I Sri Karpagambal Fortune 55
A to Z Professional Financial Services
Management Consultant
May 2012 –Aug 2013
Key Responsibilities:
Financial Services
Business Consulting Services
Property Buy or Sell Services
Loan against Property / Home Loan
Project Loan / Private Equity /LAS /LRD
BG/ LC / FLC Bill discounts Facility
SME Loan / Business Loan / Export Import Trade Finance /Buyers Credit
Relationship Manager – Business Banking Retail Assets
ING Vysya Bank, Chennai
January 2011 to May 2012
Key Responsibilities:
• Build sales process uniform across branches, channel partners and FOS
• Maintain appropriate penetration using third party product for FEE generation across cluster
branches
• Provide leads, suggest suitable products to BB clients to improve contributions and client base
• Monitoring, periodical reviews/renewals of existing clients limits, unit visits, discuss with clients
for suggesting corrective measures etc., for mutual benefits
• Appoint Channel partners and manage new acquisitions at low cost
• Drive cost control initiatives from time to time
• Build compliance culture on the sales process by regular
• Adhere to reporting TAT/Deadlines/formats
• Timely closure of all sanctions / compliance / escalation / disbursements
• Internal Audit Support
Chief Manager- Business Banking Group (Corporate banking vertical)
IndusInd Bank, Chennai
December 2008 to January 2011
Key Responsibilities:
• Mapping of the territory for all kind of Business communities.
• Client Turn over of rupees 500 Crores and below target segment
• Identifying customers, give presentation and close the deals independently
• Liaising with Customers (Internal & External)

3. • Lead the team from the front, challenge ideas, paradigms to identify and exploit new business
opportunities
• Review of stock audit reports
• Review of concurrent audit findings relating to credit
• Compliance to RBI and Head office
• Both pre sanction and post sanction documentation process activities
• Ensure adherence of Basic Banking Processes including RBI Banking regulations such as the
KYC policy, etc
• Increasing fund based, non fund based and client liability business with an existing and newly add
portfolio of customers
• Maintaining account/operations profitability
• Improving net interest margin and generating non interest income through maximum cross sell
• Trade & Forex, Channel Finance clients relationship
• Internal Audit Support
Relationship Manager – Forex & Trade Services
HDFC Bank (Previously Centurion Bank of Punjab limited) Chennai
November 2007 to November 2008
Key Responsibilities:
• Responsible for achievement of income, volume and new customer acquisition targets for their
respective branches mapped under them for Retail Forex & Trade services products with the
support of various channels like Branch, Current account, Managed portfolio, NR etc.
• Marketing of derivative products like forward and options.
• Handled Verification of SWIFT messages.
• Liaise and actions out with various departments like Product/ Operations/ Treasury/ LSS/
Marketing etc for various requirements.
• Visit branches regularly and conduct trainings programs for branches/ channels and put in place
action plan for negative variance branches.
• Conduct regular review with various channels like Branch, Current account, Managed portfolio,
NR etc to activate the channels and address various concerns/ Issues raised by them.
• Maximized the profit margin through Foreign Exchange business.
• Compliance to RBI and Head office
• Both pre sanction and post sanction documentation process activities
Sales Manager
India Bulls Commercial Credit Limited, Chennai
February 2007 to November 2007
Key Responsibilities:
• Providing SME Project loans offered to Builders & business communities against immovable
collateral securities. Involved in credit appraisal, documentation, legal and technical follow up,
registration of each project loans. Post disbursements follow up and collections.
Sales Manager
METLIFE India Insurance, Chennai
August 2006 to December 2006
Key Responsibilities:
• Handle a team of Financial Advisors. Responsible for recruiting, motivating, assisting the
financial advisors to sell financial products of Met Life.

4. Sales officer- Mortgages
Standard Chartered Finance Limited, Chennai
June 2005 to July 2006
Key Responsibilities:
• Develop the retail market segment to get the max share of the wallet. Worked closely with
Business Head to assist in joint promotions for new acquisition of customers across segments.
Drafted strategy to counter competitor sales activities. Ensured the best in class in terms of quality
of sales and productivity standards. Acquire new customers for the Bank by giving them Home
Loans. Strict adherence to AML & KYC norms and standards.
Sales Executive
SUNDARAM HOME FINANCE LIMITED
January 2003 to May 2005
Key Responsibilities:
• Responsible for providing Business direction to channels to ensure optimum focus on various lead
generation sources and assisting in conversion as well as growth of individual channels. Special
point of contact for builders and corporate to assist them in any process issue & to generate
incessant business from them. Involved in credit Appraisal and Field credit investigation, Deposit
mobilization. Involved in operations activities like Registration and document collections,
Property valuation, Receivables. Involved in Banking operations on behalf of Sundaram Home
Finance
Marketing Manager
Raksha Financial Services, (ICICI HOME FINANCE LTD Franchisee)
June 2001 to Dec 2002
Key Responsibilities:
• Handled a team of 20.Responsible for complete team building, training, motivation and quality
business delivery from the various channels. Handling sales and marketing operations to promote
ICICI Home Loans. Achieving business target through various marketing teams and agencies
ensuring customer satisfaction. Close coordination with builders, developers, architects &
corporate to generate business.
• Previous Assignments: Sales exposure in Hardware and Software products, Electrical and
Industrial products between 1990 and 2001
Personal Details:
Date of Birth : 15/04/1970
Martial status: Single
Father’s Name: R AKSHYALINGAM IYER K R A Balajee Ramani Iyer
Place –Chennai