Ram Kushwaha

Performance driven, insightful professional with 8.6+ years of experience in managing consumer Banking, International Business, HNI Relationship Management, Risk Management and Client relationship Management.

Sr. Wealth Manager - INCRED Wealth Premier - Delhi NCR & Varanasi

(2025-07)

• Build and maintain long-term relationships with high-net-worth and affluent clients.
• Assess clients' financial situations, risk tolerance, investment objectives, and future goals.
• Develop personalized financial plans covering investments, retirement, tax optimization, estate planning, insurance, and wealth transfer.
• Recommend suitable investment products, including mutual funds, equities, bonds, PMS, AIFs, structured products, and fixed-income instruments.
• Monitor and rebalance investment portfolios based on market conditions and client objectives.
• Acquire new clients through referrals, networking, and business development initiatives.
• Conduct regular portfolio reviews and provide timely investment recommendations.
• Stay updated on financial markets, economic trends, and regulatory developments.
• Ensure compliance with internal policies, regulatory guidelines, and suitability requirements.
• Collaborate with product specialists, research teams, tax advisors, and relationship managers to deliver holistic financial solutions.
• Maintain accurate client records and prepare investment reports and performance reviews.

Affluent Banking and Retail Wealth Relationship Manager - Yes Bank Ltd - Delhi

(2024-06 - 2025-07)

• Develop the business cases with necessary market assessment information, current market practices, product offerings, competition strategies, sales and Risk mitigate.
• Managing the Portfolio of 200 Primary customers to provide them wealth management/investment advisory services in MF, Life insurance, all other relevant banking services.
• Achieving the revenue target per month through Third party products Life MF, Life Insurance, offshore bonds, NRE-FD, FCNR, forex.
• Managing the client Relationship value by enhancing the CASA/TD balances (Existing Relationship value) of the portfolio managed by me.
• Acquisition of new Wealth account to constantly increase the Existing Relationship value of the given book.

Relationship Manager - Icici Bank Ltd - GK-2 (South Delhi)

(2023-11 - 2024-05)

• Led customer interactions to assess financial needs, strategically recommending banking solutions, increasing product adoption rates.
• Respond to all customer complaint received by complaint unit/branch and ensure proper resolution within the approved turned around time.
• Worked alongside operations and technology teams to implement streamlined workflows, optimizing service delivery.
• Proactively nurtured existing relationships, driving portfolio growth through tailored wealth strategies for NRI clients.

Assistant Sales Manager - Max Life Insurance company Ltd With Yes Bank - Noida

(2020-11 - 2023-11)

• Relationship Management: Strengthening ties with Relationship Managers (RMs) and Cluster Heads can enhance collaboration and lead to increased business opportunities.
• Client Retention: Maintaining high persistency in renewal business requires proactive engagement and timely follow-ups.
• New Business Generation: Identifying customer needs, up selling relevant products, and leveraging existing clients for referrals can drive new acquisitions.
• Target Setting & Performance Tracking: Defining clear goals, regularly monitoring and using data-driven insights can improve productivity.
• MIS Generation: Keeping accurate and insightful reports can help in strategic decision-making and business forecasting.
• Strategy Refinement: Reviewing successes, identifying areas for improvement, and adjusting business strategies accordingly will ensure sustainable growth.

Sr. Relationship Manager - PNB MetLife India Insurance company Ltd - Noida

(2019-05 - 2020-09)

• Prioritize understanding the customer's needs rather than just pushing products. When they feel heard, they're more likely to trust your recommendations.
• Maintain strong connections with branch staff to ensure seamless collaboration and business growth.
• Help customers explore investment and insurance options that suit their financial goals.

Financial Planning Manager - HDFC Life - Delhi

(2017-05 - 2018-10)

• Assisting clients in finding suitable coverage according to their assets by following company's guidelines.
• Reviewing market data to ensure that proper rate is implemented for monthly premium amounts.
• Effectively using innovative sales techniques for identifying prospective clients to provide leads for additional business.

PGDI - Manipal Academy of Higher Education, Bangalore (2018-05)

BCA - BU Jhansi, Jhansi (2015-06)

12th - JNV Barua Sagar, Jhansi (2012-06)

10th - JNV Barua Sagar, Jhansi (2010-06)