Biju Gangadharan

• Managing & driving Business Banking PCM sales and business development for the designated portfolio with an objective of achieving the projected increase in client revenue target.
• Responsible for ensuring incremental business for the bank from new PCM Clients and client retention.
• Achieving business targets for all PCM Revenue Drivers (CUA Balances, NII and NFI) in the RM portfolio and newly acquired clients.
• Acquisition of New to Bank Customers.
• Maximize business opportunities for the bank through cross selling and augmenting the wallet share through comprehensive transaction banking solutions.

Manager Implementation (Team Leader) - Group Transaction Banking Service
Key Responsibilities:
• Leading a team of 14 professionals to implement Cash Management solutions for all segments of the Bank.
• Responsible for Solution Implementation and advisory for E- Banking Channels, Host to Host, SWIFT Liquidity Management Solutions and Trade online for Corporate Banking customers.
• Provide technical, pre & post sales consultancy, RFP discussion to the Sales team for client onboarding
• Responsible for customer onboarding, documentation and revenue recovery.
• Customer transition management and servicing.
Accomplishments:
• Received a rating of 4 (Excellent) for performance in the year 2014 and 2016 for being the best performer.
• Got a promotion as a Manager in the year 2015.
• Managed Cash management implementation for Emirates NBD Bank and Emirates Islamic Bank from 2013 to 2015. Successfully on boarded about 1000 E-Channel subscription MOM during this period.
• Taken responsibility for the entire documentation and revenue recovery.
• Successfully on boarded and implemented about 600 plus E-Channel subscription MOM.
• Active member of new product launch committee which launched Host to Host, Cheque printing and ICCS.
• Independently managed product enhancement prioritization for all Cash products.
• Created and launched the first E-Learning module for Cash Management products and it was successfully imparted to1000 bank staffs.
• Received GEM award for service for going the extra mile in service excellence in Qtr. 4 2015 and Nov 2016
• Received team GEM award for extra mile for Salary online migration (3000 clients) project in 2015.

2012
Associate Vice President-PCM- Sales-Business Banking

Job Responsibilities:
• Managing & driving Business Banking PCM sales and business development for the designated portfolio with an objective of achieving the projected increase in client revenue target.
• Responsible for ensuring incremental business for the bank from new PCM Clients and client retention.
• Organise fortnightly governance meetings with all stakeholders to achieve business targets.
• Liaising with Acquisition Team & Relationship Managers to acquire new to Bank clients, maximizing business opportunities for the bank through cross selling and augmenting the wallet share through comprehensive transaction banking solutions.
• Achieving business targets for all PCM Revenue Drivers (CUA Balances, FX income, NII and NFI) in the RM portfolio and newly acquired clients.
• Extend support to Relationship Managers and the Acquisition Team to structure and execute one off transactions like FDI, ODI and ECB.
• Training, coaching and motivating stakeholders in the customer group.

Accomplishments:
• Accredited with the Recognition Award as Performer 2009 for PAN India highest active PCM mandates in 2009.
• Achieved PAN India highest PCM cross sell penetration of 29% in the assigned portfolio in 2011.
• Successfully spearheaded PCM Sales by working closely with a team of 12 Relationship Managers and 15 Acquisition Relationship Managers.
• Significantly contributed in acquiring 110 PCM potential NTB clients in 2011 by working closely with acquisition RM.
• Efficiently worked with Intermediaries, Law firms, CAs and large consultancy firms to generate leads and referrals to acquire NTB clients.
• Effectively conducted quarterly Seminars and FGD meetings for clients and intermediaries for promoting Payments and Cash

ICICI Bank Ltd., Bangalore Nov 2006- Jul 2008
Manager -Trade, Remittance & Cash Management Service-SME Banking

Job Responsibilities:
• Relationship Manager for Trade, Remittance & Cash Management customers.
• Acquisition of trade, remittance and CMS potential clients.
• Accountable for opening Trade Accounts and Current Accounts for trade and remittance clients.
• Spearheaded business development, revenue generation, customer acquisition & retention.
• Maintaining effective relationship through continuous interaction with decision makers to retain and enhance trade, remittance and cash management business.
• Cross-selling asset products, deposits, factoring and treasury products.
• Managing & growing the value of relationships.

Accomplishments:
• Recognized as an outstanding performer for fixed deposit mobilization in March 2007.
• Acquired two large corporate clients which resulted in INR 5 million revenue per annum.
• Acquired a large trade potential client which resulted in INR 2.00 million revenue per annum.
• Acquired one of the highest revenue (INR 3 Mn p.a) generating SME CMS client in Karnataka.

• Achieving business targets, sales and collection targets in the Territory including monitoring of timely and correct invoicing of supplies to customers.
• Create demand by leading a team of field officers, enhancing market share through proactive interaction with doctors, administrators, purchase department, key purchase decision-making authorities in institutions, Paramedical staff, institutions, retailers, C&F agent and stockiest. Analyzing competitor strategies, providing Value added feed back and consistently achieving business targets.
• Provide product and sales & marketing training for field officers.
• Ensure convenient availability of products and services to customers by strategizing and implementing an optimum distribution channel.
• Monitor and control regional inventory including receipt and re-distribution of stocks, provide timely and accurate sales forecasts to supply chain department for inventory planning.
• Monitor and control the operating expenses of the territory within agreed targets.
• Monitor, analyze and report competitor’s activities and market-related information.
• Conduct seminars, symposiums, and scientific sections for doctors and paramedical staff.
• Recruiting and training front line sales professionals