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Sambhu Sharma

@sambhusharma

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Senior Relationship Manager with expertise in SME financial solutions.

India

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What I'm looking for

I am looking for a Fully Remote jobs opportunities with fixed/flexible working hours (preferably 7:00 pm to 1:00 am midnight). I'm open to gain exposure in various Accounting jobs with hands on practice on various Accounting software being used worldwide to gain further experience in the field.

With over 8.5 years of experience as a Senior Relationship Manager, I specialize in providing tailored financial solutions for SMEs, focusing on Working Capital and Loan Against Property (LAP) verticals. My career has been defined by a commitment to enhancing client portfolios, managing risk, and driving revenue growth through innovative financial strategies.

Throughout my tenure at leading financial institutions, including Equitas Small Finance Bank and Aditya Birla Finance, I have consistently exceeded loan disbursement targets while maintaining high portfolio quality. My expertise in credit analysis and client relationship management has enabled me to build long-term partnerships with SMEs, ensuring repeat business and strong referrals. I am passionate about helping businesses thrive by offering sustainable financial strategies that meet their unique needs.

Experience

Work history, roles, and key accomplishments

Current

Senior Relationship Manager-SME Loans & LAP

Current

Equitas Small Finance Bank

Sep 2022 - Present (2 years 8 months)

As a Senior Relationship Manager, I specialize in SME working capital and LAP, driving revenue growth through tailored financial solutions. I excel in client relationship management, credit analysis, and risk mitigation, consistently exceeding loan disbursement targets while maintaining high portfolio quality.

Client Relationship Management Finance Analysis Risk Mitigation Portfolio Management Financial Management Cross Functional Collaboration Regulatory Compliance Market Analysis

Senior Relationship Manager- WCTL/LAP

Aditya Birla Finance Ltd

May 2022 - Sep 2022 (4 months)

Managed working capital and LAP products, focusing on client acquisition and retention. Developed customized financial solutions to meet diverse client needs, ensuring compliance with regulatory standards.

Regulatory Compliance Portfolio Management Risk Assessment Relationship Management Market Research Sales Strategy

Senior Relationship Manager-SME Loans

Equitas Small Finance Bank

Mar 2021 - May 2022 (1 year 2 months)

Focused on SME loans, driving revenue through innovative financial solutions. Maintained high portfolio quality and established long-term client relationships, contributing to business growth.

Revenue Risk Management Market Segmentation Sales Performance Cross Selling

Location Head- Unsecured Business Loans (UBL)

Edelweiss Financial Services

Oct 2018 - Sep 2020 (1 year 11 months)

Led the Unsecured Business Loans division, focusing on client relationship management and loan disbursement. Developed strategies to enhance market presence and drive sales.

Client Relationship Management Sales Strategy Team Leadership Financial Analysis Risk Assessment Portfolio Management Business Development

Relationship Manager – BBWC

HDFC BANK LTD

Dec 2017 - Oct 2018 (10 months)

Managed BBWC relationships, focusing on client retention and portfolio growth. Developed customized financial solutions to meet client needs while ensuring compliance with banking regulations.

Retention Growth Regulatory Compliance Relationship Management Risk Mitigation Sales Performance Market Analysis Customer Service

Relationship Manager-BBG

ICICI BANK LTD

Sep 2013 - Oct 2015 (2 years 1 month)

Oversaw BBG relationships, focusing on credit analysis and client relationship management. Developed tailored financial solutions to enhance client satisfaction and drive revenue.

Client Relationship Management Revenue Risk Assessment Portfolio Management Market Research Sales Strategy Customer Engagement Compliance

Audit Assistant

N.K.Rathi & Associates

Apr 2008 - Aug 2011 (3 years 4 months)

Conducted audits, including ledger scrutiny and compliance checks. Assisted in statutory audits and ensured adherence to financial regulations.

Audit Compliance Risk Assessment Bank Reconciliation

Education

Degrees, certifications, and relevant coursework

Institute of Chartered Accountants of India

Chartered Accountant, Accounting

2010 - 2013

Completed the Chartered Accountant program, gaining expertise in accounting, auditing, and taxation, which equipped me with the skills necessary for financial advisory and client relationship management.

University of Rajasthan

Bachelor of Commerce, Commerce

2004 - 2007

Pursued a Bachelor of Commerce degree, focusing on business principles, financial management, and accounting practices, which laid the foundation for my career in finance.