Chandrika Rajan
Senior Relationship Manager
Summary
Dynamic Banking Specialist with a strong focus on client relations, financial analysis, and asset management. Proven track record in driving revenue growth and optimizing workflow efficiency through strategic initiatives. Expertise in managing substantial portfolios and implementing innovative systems that promote continuous improvement. Recognized for exceptional relationship management skills, fostering client satisfaction and loyalty while thriving in fast-paced environments through effective communication and strategic planning.
Overview
18
18
years of professional experience
4
4
Certifications
4
4
Languages
Work History
Senior Relationship Manager
AL Rajhi Bank
12.2024 - 09.2025
- Increased revenue by 20% via strategic client retention
- Managed accounts totaling RM35M in assets
- Implemented new CRM system improving workflow by 30%
- Increased portfolio growth by effectively identifying new business opportunities through market research and networking.
- Strengthened client relationships by consistently providing exceptional service and financial solutions tailored to their needs.
- Provided timely updates on significant market events or economic news that could impact clients'' portfolios or financial strategies.
- Enhanced team performance by mentoring junior relationship managers on best practices in client service, sales techniques, and product knowledge.
- Consistently exceeded revenue targets through proactive account management and cross-selling of bank products and services.
Relationship Manager
Ambank Berhad
01.2023 - 04.2024
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
- Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
- Consistently exceeded quarterly sales goals by cultivating a strong network of professional contacts and referrals.
- Increased client trust and loyalty by providing consistent, high-quality advice on products and services tailored to their needs.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
Personal Banker Wealth(Team Lead)
RHB Bank Berhad
02.2018 - 12.2022
- Cross-sold bank products and services to meet customer needs and provide options.
- Boosted sales of bank products through effective cross-selling and up-selling techniques.
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Collaborated with branch team members to achieve monthly sales targets and improve overall performance.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Promoted financial products by maintaining excellent service offering knowledge.
- Educated staff on organizational mission and goals to help employees achieve success.
- Established open and professional relationships with team members to achieve quick resolutions for various issues.
- Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging skills.
- Collaborated with other department leads to streamline workflows, improve interdepartmental coordination, and achieve business goals collectively.
Wealth Specialist
Bank Simpanan Nasional
05.2015 - 11.2017
- Managed and updated over 80 client portfolios weekly.
- Established strong relationships with clients, enhancing trust and long-term retention rates.
- Increased client satisfaction by providing customized wealth management solutions tailored to individual needs.
- Answered clients' questions and inquiries in regard to individual financial plans and strategies.
- Promoted from Associate Wealth Advisor to Senior Wealth Advisor due to outstanding client relationship management skills.
Personal Financial Consultant
Cimb Bank Berhad
01.2013 - 04.2015
- Examined clients' overall financial situation by reviewing income, assets, debts, expenses and credit reports.
- Created debt management plans, spending plans and budgets to assist clients in meeting financial goals.
- Sold Rm5M in life insurance, retirement instruments and investments.
- Helped clients make informed decisions about financial future.
- Advised clients on investments, retirement and estate planning.
- Educated clients on financial topics and best practices.
- Initiated customer relationships through prospecting, lead utilization, local market and community involvement.
- Advised clients on portfolio allocation and various investment types.
- Built strong relationships with clients through regular communication, trust, and understanding of their financial goals.
- Educated clients on various investment products, empowering them to make informed decisions regarding their financial future.
Customer Service Officer
Citigroup
01.2008 - 11.2012
- Assisted call-in customers with questions and orders.
- Helped large volume of customers every day with positive attitude and focus on customer satisfaction.
- Maintained a high level of product knowledge to effectively assist customers with accurate information and recommendations.
- Addressed customer complaints and mitigated dissatisfaction by employing timely and on-point solutions.
- Participated in regular meetings with supervisors to discuss challenges faced during daily operations, identifying opportunities for growth and development.
- Enhanced customer satisfaction by efficiently addressing and resolving their inquiries and concerns.
- Increased customer retention with prompt follow-ups on pending issues and proactive problem-solving strategies.
- Exceeded customer expectations by going the extra mile, ensuring a memorable experience that fostered brand loyalty and advocacy.
Education
Bachelor of Science - Human Resources Management
Excelsior University
04-2008
GCE A Level -
University of London
04-2003
Skills
- Financial data analysis
- Customer relationship development
- Strategic asset management
- Risk management assessment
- Portfolio management strategies
- Knowledge of financial compliance
- Client relationship management
- Interdepartmental collaboration expertise
Certification
PCEIA
Timeline
Senior Relationship Manager
AL Rajhi Bank
12.2024 - 09.2025
Relationship Manager
Ambank Berhad
01.2023 - 04.2024
Personal Banker Wealth(Team Lead)
RHB Bank Berhad
02.2018 - 12.2022
Wealth Specialist
Bank Simpanan Nasional
05.2015 - 11.2017
Personal Financial Consultant
Cimb Bank Berhad
01.2013 - 04.2015
Customer Service Officer
Citigroup
01.2008 - 11.2012
Bachelor of Science - Human Resources Management
Excelsior University
GCE A Level -
University of London
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