Aakash Raghani
Summary
Banking and Financial Services Leader with 9 years of experience in leading private sector and multinational banks. Specializing in Corporate Banking, SME Banking, Business Banking, and Mortgage Sales. Expertise in New-to-Bank (NTB) acquisitions, working capital financing, structured lending, and portfolio management. Recognized as one of the Best Acquisition Managers PAN-India in Axis Bank, awarded in Munich, Germany. Skilled in handling mid-to-large enterprises with turnovers ranging from ₹100 Cr to ₹2000 Cr, delivering customized financial solutions tailored to business needs. Achieved exceptional sales performance, winning multiple contests including 'Steal The Deal' regional topper and 'Insurance Champion' in Kotak Bank. Senior management professional bringing strategic leadership and operational excellence to drive organizational success. Proficient in project management, team collaboration, and process optimization with a keen focus on achieving results.
Overview
9
9
years of professional experience
Work History
Senior Manager - Wholesale Banking
HDFC Bank
01.2024 - 12.2024
- Lead a team of 7 professionals in the Asset Division, focusing on Working Capital and Individual Mortgage Loans to scale business growth
- Review loan documents and summarize salient facts of the loan and ongoing covenants (both financial and non-financial) to be maintained by the borrower
- Achieved record acquisition of three high-value New-to-Bank (NTB) relationships within five months of joining, each exceeding ₹20 Cr in exposure
- Successfully drove portfolio growth by 20% YoY, optimizing business development strategies and leveraging data-driven insights
- Responsible for end-to-end credit assessment, financial analysis, risk structuring, and loan origination for mid-to-large enterprises with ₹2000 Cr+ turnover
- Spearheaded cross-functional collaboration with onboarding teams, credit risk, and operations to ensure seamless transactions and faster TAT for approvals
Senior Associate - SME Banking
DBS Bank
01.2023 - 12.2023
- Focused on revenue growth by targeting mid-sized companies for working capital financing, facilitating expansion and liquidity management
- Successfully added new sourcing channels, diversifying business acquisition strategies for the team and enhancing lead conversions by 30%
- Played an instrumental role in new system integration by collaborating with the product and operations teams to streamline workflow efficiency
- Reported directly to the Regional Manager, driving strategic initiatives for SME growth and portfolio diversification
- Strengthened cross-functional partnerships with product, risk, and compliance teams, ensuring smooth loan disbursement processes and minimizing credit risks
- Conducted client engagement programs and financial literacy sessions, increasing brand trust and driving business referrals
Senior Manager (Band 7) - Business Banking
Standard Chartered Bank
12.2021 - 01.2023
- Led New-to-Bank (NTB) client acquisition at the area level for the Business Banking Division, driving a 20% increase in revenue
- Managed an AUM of ₹170 Cr+, spanning 20+ emerging businesses with turnover ranging from ₹100 Cr to ₹750 Cr
- Reported to the Associate Director, Mumbai, and played a key role in regional expansion and portfolio optimization
- Built and maintained high-value corporate relationships, ensuring long-term engagement and repeat business opportunities
Chief Manager - Wholesale Banking
IndusInd Bank
05.2021 - 12.2021
- Developed new business tie-ups and strategic partnerships, contributing to a 25% increase in loan book growth
- Established partnerships with bank branch channels to enhance business sourcing within the region, resulting in a higher conversion rate
- Defined geography-wise business targets and monitored performance on monthly/quarterly cycles, ensuring consistent goal achievement
- Ensured end-to-end credit underwriting and risk assessment, securing profitable deals while maintaining low NPA ratios
Deputy Manager - Mortgage Specialist
Axis Bank
08.2018 - 05.2021
- Managed Home Loan & Mortgage sales, specializing in high-value acquisitions and tailored mortgage solutions
- Awarded as one of the Best Acquisition Managers PAN-India in Munich, Germany by President Mr
- Jagdeep Mallareddy (Q1 & Q2, FY 2019-20)
- Regional topper of the 'Steal The Deal' Contest (Q2) - recognized in Goa by the Business Head & President
- Consistently achieved ₹14 Cr+ disbursements (Highest ₹31 Cr) with a focus on quality, compliance, and low delinquency rates
Deputy Manager - Housing Loan Sales
Kotak Mahindra Bank
01.2016 - 07.2018
- Campus-selected for the Deputy Manager role, handling home loan sales and structured financing solutions
- Managed a DSA & branch channel network, including key corporate partners like Square Capital, Andromeda, Urban Money, Ruloans, Edelweiss, and Finkart
- Recognized as the Insurance Champion (Cross-Sell) in Nov 2017 for outstanding contributions to bancassurance and wealth products
Education
MBA - Marketing & Sales
University of Pune
01.2016
B.Sc - Computer Science
Mumbai University
01.2013
Skills
- Corporate & SME Banking
- Working Capital & Structured Lending
- New-to-Bank (NTB) Client Acquisition
- Portfolio & Relationship Management
- Financial Analysis
- Business Development & Revenue Growth
- Strategic Partnerships & Channel Management
- Team Leadership & Performance Management
- Negotiation & Deal Structuring
- Loan Origination & Management Systems (LOS/LMS)
- Customer Relationship Management (CRM) Tools (eg, Salesforce)
- Business Intelligence & Data Analytics (Tableau, Power BI)
- Core Banking Systems (Finacle, Flexcube)
- Microsoft Office Suite (Excel, PowerPoint, Word)
- Problem Solving
- Creative Thinking
- Leadership Skills
Timeline
Senior Manager - Wholesale Banking
HDFC Bank
01.2024 - 12.2024
Senior Associate - SME Banking
DBS Bank
01.2023 - 12.2023
Senior Manager (Band 7) - Business Banking
Standard Chartered Bank
12.2021 - 01.2023
Chief Manager - Wholesale Banking
IndusInd Bank
05.2021 - 12.2021
Deputy Manager - Mortgage Specialist
Axis Bank
08.2018 - 05.2021
Deputy Manager - Housing Loan Sales
Kotak Mahindra Bank
01.2016 - 07.2018
MBA - Marketing & Sales
University of Pune
B.Sc - Computer Science
Mumbai University