Ravi Kumar A/L Kumara Raja

Driving strategic loan growth, relationship profitability, and credit quality across mid-corporate and public-listed segments

• Spearhead deal origination, structuring, and execution to support overall loan growth and revenue generation.
• Manage a portfolio with total exposure of RM2.76 billion, comprising 24 borrowing relationships across diverse industries including Aviation, Manufacturing, Healthcare, Education, Property & Construction, Oil & Gas, Food, Shipping, and Clean Energy.
• Cross-selling of deposits, payroll, insurance, cash management, treasury products, and other ancillary services.
• Conduct periodic account reviews, ensuring compliance with internal covenants and monitoring financial performance.
• Oversee the issuance of Letters of Offer, manage drawdown processes, and ensure timely execution of credit facilities.
• Support team development by guiding and reviewing proposals prepared by junior Relationship Managers, and deliberating credit proposals at the Loan Committee level.
• Serve a client base in the mid-corporate and public-listed segment, with turnover ranging from RM10 million to RM3 billion.

Key achievements

• Performance rating 'exceed '
• Average 5 new deals include large sized deals (i.e. green-field hospital development, Syndication deals, ESG linked loan). YTD 2025 approved loan RM765 million ( 6 customers).
• Loan growth (+RM167 million) and Fee income (+RM6 million) FYE2024.
• Cross selling - Payroll ( boarded 700 retails accounts), Treasury (Cross currency swap, fee income +RM1 million), Life insurance / Takaful (premium sum +RM500K)

Managing a diversified portfolio of corporate clients across key industries and international markets

• Manage a portfolio of MYR900M in funded and non-funded facilities, serving listed corporates, multinational corporations, and state-owned enterprises.
• Drive business growth by deepening existing client relationships and acquiring new accounts through strategic financing, onboarding initiatives, and cross-border deal structuring.
• Collaborate with the Senior Relationship Manager to identify cross-selling opportunities and deliver tailored financial solutions across domestic and international markets.
• Lead and support cross-border transactions, coordinating with internal stakeholders and foreign counterparts to ensure seamless execution and compliance.
• Monitor and mitigate financial crime risks (AML, sanctions, anti-bribery & corruption) using internal compliance tools and frameworks.
• Industry focus includes palm oil, healthcare, information technology, renewable energy, and property, with exposure to regional and global market dynamics.

Key Achievements

• Successfully led a cross-border financing deal worth USD 50 million for a palm oil plant upgrading project, demonstrating strong structuring capabilities and international coordination.
• Recognized as Outstanding Staff, reflecting exceptional contributions, client relationship excellence, and leadership within the team