Sudhir Kumar

Result-driven Assistant Vice President with over 23 years of experience, including 18 years across premier Tier-1 Banks. Proven expertise in managing large-scale wholesale banking assets, driving client acquisitions, and handling corporate portfolios valued at INR 380+ Cr with a 95% client retention rate. Expert in structuring Working Capital, Term Loans, Project Funding, and complex Fund/Non-Fund based facilities.

Fully certified in PMS, AMFI, and the IICA Independent Director's Databank. Highly skilled in deploying Generative AI workflows (Google AI Essentials) to automate credit appraisal cycles, risk data extraction, and financial underwriting frameworks.

Assistant Vice President – Relationship Manager (B2B Wholesale Coverage) - Axis Bank Ltd - New Delhi

(2024-02 - 2025-12)

• Originate and structure complex corporate credit facilities, working capital limits, and project/commodity funding for mid-to-large corporate segments.
• Drive asset book growth across Delhi NCR, Uttar Pradesh, and Uttarakhand by successfully onboarding high-value New-to-Bank (NTB) corporate entities.
• Engaged regularly with C-suite stakeholders (MDs, CFOs, Promoters) to deliver customized working capital and capital expenditure financial structures.
• Implement prompt engineering via GenAI tools to parse corporate financial sheets, decreasing turnaround time for preliminary credit memos.
• Streamline DSA/Connector channels and branch ecosystems to maximize high-yield wholesale asset generation.

Senior Manager - HDFC Bank Ltd - Jamshedpur, Jharkhand

(2022-08 - 2024-02)

• Augmented the bank's secured wholesale lending asset portfolio by 20% via tactical relationship mapping and client acquisitions.
• Uplifted branch lead generation capabilities for wholesale assets by 20% through targeted training and risk-awareness workshops for branch personnel.

Relationship Manager – SME Loan (Ranchi) / Branch Business Manager & Team Leader - ICICI Bank Ltd - Multi-Location

(2007-07 - 2022-08)

• Managed credit portfolios, working capital expansions, business loans, and GST-OD lines for the SME vertical.
• Led high-performing banking operational and sales teams across Ranchi, Varanasi, Lucknow, and Raipur to meet 100% of assigned liabilities and assets targets.
• Expanded CASA volumes and wholesale asset values by an average of 15% year-on-year through aggressive market penetration frameworks.

Sales & Channel Management Executive - Ranbaxy, Sun Pharma, Aurobindo Pharma

(2001-12 - 2007-07)

• Managed institutional client accounts, managed supply channels, and drove product reach across target B2B networks.

M.Sc. - Zoology - Purvanchal University (1998 - 2000)

B.Sc. - Biology - Purvanchal University (1995 - 1998)