Open to opportunities

Raj Ratan Bandhulaya

@rajratanbandhulaya

Message

Wealth management leader with 15 years in banking, finance and operations.

India

Message

What I'm looking for

I seek senior roles in wealth/private banking or financial consulting where I can lead client acquisition, manage AUM, drive digital transformation, and mentor teams in a performance-driven, client-centric organization.

I am a strategic banking and wealth management leader with nearly 15 years' experience across private banking, corporate treasury, retail banking operations and branch management. I have led regional wealth teams, managed an AUM of 200 Cr, driven double-digit growth, implemented digital and fintech solutions, and delivered revenue and operational improvements across ICICI Bank and HDFC.

I combine technical rigor from an engineering background with deep financial domain knowledge—credit appraisal, asset & liability management, trade finance, FOREX and compliance—to design client-centric solutions and lead cross-functional teams. I am recognized for launching trade finance in Bihar, driving people management effectiveness, and operational leadership in high-stakes manufacturing operations earlier in my career.

Experience

Work history, roles, and key accomplishments

AVP / Regional Head - Wealth

HDFC

Mar 2023 - Sep 2025 (2 years 6 months)

Led wealth management team acquiring and servicing HNI/ultra-HNI clients, managing an AUM of ₹200 Cr and implementing portfolio review and rebalancing to improve performance. Set up and stabilised wealth operations, addressed regulatory requirements, and optimised product offerings to increase ROI.

Wealth Management Client Acquisition Regulatory Compliance Relationship Management Financial Analysis Operations

AVP Regional Head - Private Banking

HDFC

Mar 2023 - Sep 2025 (2 years 6 months)

Led private banking and wealth management, managing an AUM of ₹200 Cr, acquiring and servicing HNI/Ultra-HNI clients and stabilizing wealth operations to improve ROI and compliance.

Wealth Management Client Acquisition Regulatory Compliance Relationship Management Financial Analysis Private Banking

Regional Head Sales - Wealth

ICICI Bank

Jul 2013 - Feb 2023 (9 years 7 months)

Led wealth sales across Bihar & Jharkhand, managed a team of 26 relationship managers, drove branch operations and achieved double-digit growth in trade and wealth revenues.

Wealth Sales Team Leadership Trade Finance CASA Mobilization Client Relationship Management Revenue Growth

Team Leader / Branch Manager

ICICI Bank

Apr 2017 - Mar 2021 (3 years 11 months)

Managed cluster branch operations and retail solutions, led sales and operations teams to meet branch targets, streamlined processes and conducted training to improve staff technical and sales capabilities. Implemented strategies to deepen relationships and grow CASA and fee income.

Branch Management Retail Banking Team Management Process Improvement Training CASA Growth Customer Service Sales Strategy

Relationship Manager - Elite

ICICI Bank

Sep 2015 - Apr 2017 (1 year 7 months)

Managed elite trade relationships for corporate and HNI clients across Bihar & Jharkhand, driving trade income and servicing end-to-end client requirements with tailored solutions. Coordinated documentation, mandates and liaison with operations for timely execution.

Trade Finance Relationship Management Client Servicing Documentation Financial Analysis

Solutions Manager - Corporate Markets

ICICI Bank

Jul 2013 - Sep 2015 (2 years 2 months)

Delivered corporate market solutions in Delhi/NCR, interfaced with product teams to incorporate market updates into client offerings and supported credit and operations processes to meet client turnaround expectations.

Corporate Operations Coordination Stakeholder Management

Shift Engineer - PE Plant

Reliance Industries

Sep 2008 - Jun 2012 (3 years 9 months)

Operated and managed polyethylene plant operations, led the critical operations panel under high-pressure conditions and ensured safe, compliant production processes.

Operational Management Troubleshooting Compliance Team Coordination