Ramkumar Subramonian
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Ramkumar Subramonian Email & Phone Number

National Head and SVP - Gold Loans at AU SMALL FINANCE BANK
Location: Bengaluru, Karnataka, India 10 work roles 3 schools
1 work email found @sify.com LinkedIn matched
✓ Verified May 2026 4 data sources Profile completeness 100%

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Current company
Role
National Head and SVP - Gold Loans
Location
Bengaluru, Karnataka, India
Company size

Who is Ramkumar Subramonian? Overview

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Quick answer

Ramkumar Subramonian is listed as National Head and SVP - Gold Loans at AU SMALL FINANCE BANK, a company with 31756 employees, based in Bengaluru, Karnataka, India. AeroLeads shows a work email signal at sify.com and a matched LinkedIn profile for Ramkumar Subramonian.

Ramkumar Subramonian previously worked as National Head - Gold Loans (Fincare Unit) at Au Small Finance Bank and Area Business Manager, Retail Assets - Karnataka & Kerala at Kotak Mahindra Bank. Ramkumar Subramonian holds Senior Management Programme, Business Administration And Management, General, Pursuing from Indian Institute Of Management, Calcutta.

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Profile bio

About Ramkumar Subramonian

A management graduate with more than 20 years of experience.During my academics, I gained a proper knowledge and understanding of business applications and practice. In addition, I am well versed in computer communication for business. Currently, into Senior Management , I am responsible for Team Management, Profitability, Strategic Planning & Decision Making, supervising sales, credit and collections.I have an intense interest in working for a reputed organisation and look forward to contributing my skills to the organisation.CAREER CONSPECTUSA dynamic professional with 18 years of experience in Sales & Marketing, Business Development, Client Relationship Management & Team Management across Financial & Telecom industry.Competent in implementing effective solutions to the customer needs, with an aim to improve customer contentment and consequently customer loyalty, repeat and referral business.Expertise in launch to profitability phaseSkilled in managing teams to work in sync with the corporate set parameters & motivating them for achieving business and individual goals. An effective communicator with good presentation skills and abilities in forging business partnerships with dealers & channel partners.Proficient in data analysis and an eye for detail ensuring quick and steady progress.Specialties: CORE COMPETENCIESSales & DistributionBranch OperationsBusiness Development & MarketingKey Account ManagementCustomer Relationship ManagementTeam ManagementProfit Centre RoleHands on experience in start up to full scale launch of business and onward management

Listed skills include Team Management, Crm, Mis, Strategic Planning, and 8 others.

Current workplace

Ramkumar Subramonian's current company

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AU SMALL FINANCE BANK
Au Small Finance Bank
National Head and SVP - Gold Loans
Bengaluru, KA, IN
Website
Employees
31756
AeroLeads page
10 roles

Ramkumar Subramonian work experience

A career timeline built from the work history available for this profile.

National Head - Gold Loans (Fincare Unit)

Current

Bengaluru Area, India

  • Role
  • Heading one of the Verticals of the bank for Loan Against Gold with book size of 700 Cr
  • Managing a branch network of more than 300 banking outlets across India with FOS size of 400
  • Establishing & developing different channels for LAG business – Direct, DSA, Digital & Connectors
  • Leading and directing a team for LAG with 4 structures including Zonal Heads reporting in.
  • Managing the entire GL portfolio and ensure growth across branches.: Responsible for increasing… Show more Role
Nov 2017 - Present

Area Business Manager, Retail Assets - Karnataka & Kerala

Bengaluru Area, India

  • Role
  • Supervising & Directing a team of 4 Territory Business Managers & 50 GL Officers.
  • Managing a branch network of 36 branches across Karnataka & Kerala.
  • Establishing & Sustaining a good relationship with branches to ensure productivity.
  • Managing the entire GL portfolio and ensure growth across branches.
  • Earlier managed RoTN & Kerala from Coimbatore Accomplishments
Apr 2014 - Oct 2017

Managing Partner

Kallakshethra Associates (Eurokids International Pvt. Ltd.)

Coimbatore

  • Entrepreneurial venture.A pre-school franchise with EuroKids International Pvt. Ltd.
  • Overseeing the setup of the school from scratch and handling play school for kids
  • Counselling the parents to join the school and ensuring rapport building for future
  • Cementing relationship with DOE and other concerned Accomplishments
  • Distinction of receiving 3 awards in 2013 for highest number of admissions, best creativity and providing best teaching aids… Show more Entrepreneurial venture.A pre-school franchise with EuroKids International Pvt. Ltd.
  • Distinction of receiving 3 awards in 2013 for highest number of admissions, best creativity and providing best teaching aids
Jul 2012 - Mar 2014

Senior Partner (Avp)

Coimbatore Area, India

  • Role
  • Managed the agency channel for the region and a strong agency force of 100 and 12 ADMs
  • Spearheaded operations to ensure achievement on 5 key parameters – Premium Collection, Paid Cases, Recruitment, Agent Activisation, Retention and Agent Promotions/ Segmentation Accomplishments
  • Ranked as:o All India No.2 in Activisation in Dec’11o All India No.1 in CR in Dec’11o All No.2 in Active Agents CR in Sep’11
  • Successfully increased the target achievement… Show more Role
  • Successfully increased the target achievement from 21% to 85% in 2011
Jul 2010 - Jun 2012

Cluster Business Manager

  • Role
  • Managed the branch network of 5 across Kerala
  • Administered Cluster Credit and 5 Business Unit Managers to ensure achievement of target
  • Handled performance across all products – Unsecured & Secured Accomplishments
  • Successfully achieved:o Branch profitability within 6 months o Profitability for the state in Oct’08 o Target on Sales, Cross Sell, Revenue, Collections and PBT o Cumulative break even in the 7th month of operations
  • Pivotal in… Show more Role
Apr 2008 - Jun 2010

Business Unit Manager

Fullerton India Credit Co. Ltd

for Kerala) Since April 2008 Accountabilities:Leading and directing branch network of 5 across Kerala.Supervising Cluster Credit and 5 Business Unit Managers to ensure achievement of target Motivating employees and maintaining strong work force and maintain productivity.Attainments:Achieved branch profitability within 6 months// Attrition 0 in my tenure as.

Jun 2007 - Jun 2010

Territory Manager

Ge Money (Sbi Card)

Overseeing the branch operations; leading a team of 1 Unit Manager, Team Leaders, 1 Trainer and 50 Executives.Maintaining strong distribution channels and POS.Attainments:Consistently achieved target on Sales, Cost and Gold Accounts.Accredited with all India No.2 in Q2, 05.Developed the new market of Palakkad and achieved record numbers.

Mar 2005 - Apr 2007

Business Development Officer

Bharti Infotel Ltd

Accountabilities:Overseeing new account opening activities.Leading and directing a team of 10 executivesAchieving individual corporate & SME target along with retail team targetUnderstanding the prospect, identifying the most apt product and finally converting him from prospect to a customer.Attainments:Achieved 150% of assigned target.Best Team for Q2 &.

Aug 2003 - Feb 2005

Assistant Marketing Manager

Igenesis Automated Products Ltd

, ChennaiJoined as Sales Officer and rose to the; Accountabilities:Leading a team of 6 towards achieving the target.Identifying the prospect's need; providing suitable product & services. Attainments:Sales grew from 20 lacs to 1cr for the year.Was awarded Best Marketing Professional in 2000.

Jun 2000 - Jul 2001
Team & coworkers

Colleagues at AU SMALL FINANCE BANK

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3 education records

Ramkumar Subramonian education

Senior Management Programme, Business Administration And Management, General, Pursuing

A Management Programme for Senior Executives preparing them to take up CXO level opportunities

Post Graduate Diploma, Management (Marketing And Advertising)

School Of Communication & Management Studies

B.E, Mechanical Engineering

Sri Siddhartha Institute Of Technology, Tumkur, Bangalore University

Secured First Class with Distinction IT Skills: Well versed with MS Office & Internet Applications. TRAININGS Attended Business Unit.

FAQ

Frequently asked questions about Ramkumar Subramonian

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What company does Ramkumar Subramonian work for?

Ramkumar Subramonian works for AU SMALL FINANCE BANK.

What is Ramkumar Subramonian's role at AU SMALL FINANCE BANK?

Ramkumar Subramonian is listed as National Head and SVP - Gold Loans at AU SMALL FINANCE BANK.

What is Ramkumar Subramonian's email address?

AeroLeads has found 1 work email signal at @sify.com for Ramkumar Subramonian at AU SMALL FINANCE BANK.

Where is Ramkumar Subramonian based?

Ramkumar Subramonian is based in Bengaluru, Karnataka, India while working with AU SMALL FINANCE BANK.

What companies has Ramkumar Subramonian worked for?

Ramkumar Subramonian has worked for Au Small Finance Bank, Kotak Mahindra Bank, Kallakshethra Associates (Eurokids International Pvt. Ltd.), Max Life Insurance Company Limited, and Fullerton India Credit Company Ltd..

Who are Ramkumar Subramonian's colleagues at AU SMALL FINANCE BANK?

Ramkumar Subramonian's colleagues at AU SMALL FINANCE BANK include Arjun Santwani, Ratan Singh Solanki, Shyam Jadhav, Pawan Jangid, and Kumar Saurabh.

How can I contact Ramkumar Subramonian?

You can use AeroLeads to view verified contact signals for Ramkumar Subramonian at AU SMALL FINANCE BANK, including work email, phone, and LinkedIn data when available.

What schools did Ramkumar Subramonian attend?

Ramkumar Subramonian holds Senior Management Programme, Business Administration And Management, General, Pursuing from Indian Institute Of Management, Calcutta.

What skills is Ramkumar Subramonian known for?

Ramkumar Subramonian is listed with skills including Team Management, Crm, Mis, Strategic Planning, Training, Marketing, Key Account Management, and Credit.

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