Pavithra Kumar Rai Email & Phone Number

Mangaluru, Karnataka, India

Mangaluru, Karnataka, India

RELATIONSHIP MANAGER – (Grade – DM-E2)HDFC BANK LIMITED - MANGALORE,KARNATAKARole : Relationship Manager for SAB (Working -Capital) & Agri Business 12/2019 - Present • Develop strategies for maintaining and further penetrating existing accounts• Develops focused strategies for acquiring, retaining and growing select clients• Maintaining the existing client relationships and identify new business opportunities• Supports the Bank's strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge• Support the Bank's strong relationship banking culture through ongoing customer contact, quality customer service, and superior product knowledge.• Manage administrative tasks, including credit analysis and processing• Studies industrial, commercial, economic and financial situations relating to new or existing business.

Mangalore Area, India

RELATIONSHIP MANAGER – (Grade – DM) ICICI BANK LIMITED - MANGALORE, KARNATAKA 08/2019 – 11/2019 Role : Relationship Manager for Working Capital Loans

Mangalore Area, India

RELATIONSHIP MANAGER – (Grade – DM) AXIS BANK LIMITED - MANGALORE, KARNATAKA Role : Relationship Manager for B2B (Wrong Capital) & Agri Business 06/2018-07/2019 Supported the end-to-end credit management process and submitted complete loan documentation. Utilized prospecting techniques to identify potential clients and create opportunities to sell financial services. Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.Generated new business and referral clients in partnership with existing clients and Branch team. Transcended requirements on a consistent basis to satisfy customers.Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.Ensured client satisfaction throughout the credit management process.Planned portfolio solutions after carefully analyzing clients' financial health and future requirements. Maintained friendly and professional customer interactions.Advised clients on mortgage, educational and personal loans.Trained and directed new hires during department orientations.Gathered data of potential clients from my cluster branches of Mangalore, where i headed as the Relationship Manager of Agri products for 12 branches and successfully generated business.Ensured End to End Credit process from contacting the leads from the cluster branches till the final loan disbursement.Handled the entire sales process individually by seeking senior officials suggestions only at times when required.Researched industry competitors and successfully negotiated with clients with product flaws of the competitors and closed sales.

Mangalore Area, India

Branch Manager (Grade – AMIC) 03/2011-02/2018MUTHOOT FINANCE LIMITED - MANGALORE, KARNATAKAMet deadlines by proactively managing individual and team tasks.Originated, reviewed, processed, closed and administered customer loan proposals. Wrote reports detailing branch activities.Assessed employee performance and developed improvement plans. Held sales coaching sessions.Boosted branch sales by developing and deepening customer loyalty. Created marketing materials.Submitted loan applications to loan underwriter for verification and recommendation. Closed an average of 300 Gold loans per month.Developed and maintained relationships with local real customers. Maintained friendly and professional customer interactions.Maintained confidentiality of official records and client information. Resolved escalated customer issues in a timely manner.