murali ranganathan
@muraliranganathan
Working Capital Portfolio Manager at Axis Bank who managed ₹281.75 Crore in AUM with under 1% delinquency over 3 years.
IndiaWhat I'm looking for
At Axis Bank, I managed a Working Capital portfolio of 125 high-value accounts with ₹281.75 Crore in AUM, maintaining under 1% delinquency over 3 years. I achieved 175% of the FY 2024–25 disbursement target.
At City Union Bank, I strengthened client relationships and sourced credit through financial statement analysis. I also managed assets across client accounts, evaluated cash flows and CIBIL reports, and carried out recovery procedures.
Since November 2025, I’ve directed commercial operations, digital client acquisition, B2B procurement, and catalog management for DM Traders & DM Creative Gifts.
Experience
Work history, roles, and key accomplishments
Founder & Business Operations Lead
DM Traders & DM Creative Gifts
Nov 2025 - Present (1 year)
Directing end-to-end commercial operations, digital client acquisition, B2B procurement, and catalog management for a customized gifting enterprise.
Portfolio Manager (Working Capital)
Axis Bank
Jan 2022 - Dec 2025 (3 years 11 months)
Managed a working capital portfolio of 125 high-value accounts with an AUM of Rs. 281.75 Crores, maintaining delinquency under 1% over 3 years. Achieved 175% of the FY 2024-25 disbursement target and contributed 50% of the team's total disbursement performance.
Branch Development Manager (Branch Head)
City Union Bank
Jan 2016 - Dec 2022 (6 years 11 months)
Secured business growth by strengthening high-net-worth client relationships, conducting credit sourcing, and performing detailed financial statement analysis. Managed team AUM through performance reviews and enhanced branch profitability by promoting third-party insurance products.
Relationship Manager (Branch Operations & Sales)
City Union Bank
Jan 2011 - Dec 2016 (5 years 11 months)
Managed Rs. 200 Crores in assets across 130 accounts, evaluating financial statements, cash flows, and CIBIL reports for proposal sourcing. Executed SMA management strategies and led SARFAESI, DRT, and OTS recovery procedures.
Education
Degrees, certifications, and relevant coursework
Krishnaswamy College of Engineering and Technology
Bachelor of Technology, Information Technology
Completed a Bachelor of Technology in Information Technology in 2008.
Muthiah Polytechnic College
Diploma, Computer Technology
Completed a Diploma in Computer Technology in 2005.
Indian Institute of Banking and Finance
Post Graduate Diploma, Banking and Finance
Earned a Post Graduate Diploma in Banking and Finance.
State Institute of Banking Staff Training College
Certification, Credit Management
Completed certification in Basics of Credit Management.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Salary expectations
Job categories
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