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Ramkumar Ratnam is a seasoned banker with a combined experience of over 2 decades in the FMCG and Banking sector. He had been with ICICI Bank, where he handled leadership roles at flagship branches in Chennai and then moved on to handle clusters across geographies. He has rich experience in Sales, Training and Operations. As a certified trainer with ICICI Bank he imparted training to ‘Deputy Managers and Branch Managers’ covering a wide range of sessions including Operations, Compliance and Products. Earlier in his career, he had in Sales with Hindustan Lever Ltd. (now Unilever India) and then moved to Pepsico Sales. He was also into Field force training for Pepsico in his Market Unit.

He holds a Bachelors in Commerce, Accountancy & Economics. He has completed a certified course from Institute of Social Work and Management, Chennai, JAIIB from IIBF and a Post Graduate Diploma in Business Administration from NIBM. He has also attended the “HBS Accion Program on Strategic Leadership in Inclusive Finance” organized by Harvard Business School.