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Ramkumar Ratnam is an accomplished professional with extensive experience in the banking and financial services sector. Currently serving as the Chief Business Officer at Dvara KGFS since October 2013, Ramkumar Ratnam played a crucial role in establishing 28 branches and driving business growth. Prior to this, Ramkumar Ratnam held various positions at ICICI Bank, including Cluster Manager, and was significant in operations within the Chennai region. Earlier career highlights include a tenure at PEPSICO INDIA as a Customer Executive and Trainer, and a role with Hindustan Unilever Limited as a TSI. Ramkumar Ratnam's educational background includes an Executive Education Programme in Financial Inclusion from Harvard Business School and a Master's degree in Commerce with a focus on Banking from Madurai Kamaraj University.