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Ramkumar Ratnam is a seasoned banker with a combined experience of over 2 decades in FMCG and Banking. He has been with ICICI Bank, handling leadership roles at flagship branches at Chennai and then moved on to handle clusters having multiple branches spread across geography. He has rich experience in Sales., Training and Operations. He had worked in Sales with Hindustan Lever Ltd., (now Unilever India) in initial days of his career and then moved to Pepsico Sales. He was also into Field force training for Pepsico in his Market Unit and was certified trainer with ICICI Bank imparting training to” Deputy Managers and Branch Managers ” covering wide range of sessions including Operations, Compliance and Products”. He holds a Bachelors in Commerce, Accountancy & Economics. He has completed a certified course with Institute of Social Work and Management, Chennai, JAIIB from IIBF and Post Graduate Diploma In Business Administration from NIBM. He has also attended “HBS Accion Program in Strategic Leadership in Inclusive Finance” from Harvard Business School.