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Management Sales

New York, NY
April 14, 2016

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* ********** ***** 646-***-****

Jersey City, NJ, 07311

EMPLOYMENT STATUS: Authorized to work in the U.S. EAD cardholder.


Break due to relocation and EAD September 2015- Present

Citibank, Singapore August 2014 - Aug 2015

Product Manager- Fixed Income, Structured Products and Loans

Roll-out and seamless execution of various retail oriented bond market and leveraged investment products. Independent management of leverage lines for sales teams. Timely input and analysis of trades for management information and reconciliation.

Handle exceptions in settlement process by pooling in expertise of various SMEs through good relations and conveying a sense of urgency for client benefit. Share insights based on trade activities, market news and rating action. Launching structured products working in close collaboration with various stakeholders mainly structuring organizations, compliance, as well as sales in tight time bound situations.

Closely tracking loan book, income drivers, developing management information, making projections required for risk management. Prudently exercising right to control preferential rates charged to ensure higher revenues. Manage allocation of leverage among various geographies especially for top selling products.

Working with credit evaluation team, operations and sales to ensure seamless execution.


Led the launch and execution of leveraged fixed deposits, raising over to $120 million in new loans.

Successful handled complexities arising due to issuer downgrades.

Overcame system glitches to ensure client interest is not compromised.

The Asian Banker, Singapore September 2012 - May 2014

Senior Research Analyst

A research based publishing company, The Asian Banker allowed me to achieve a greater insight into the Asian banking industry, working on tight deadlines and project management.

Develop banking industry profiles for various countries including macro level, industry level and bank level information, which include SWOT analysis of banks.

Conduct interviews with senior bankers, oversee data collection, analyze and rank banks based on various parameters for benchmarking and awards.


Making and maintaining contact with industry experts and senior leader in banks for interviews and meetings

Independently managing the leading retail banking award program, ‘Excellence in Retail Banking’, for 2 years working with tight deadlines while maintaining sanctity of the program.

Break due to relocation and CFA Level 3 exams January 2012-August 2012

Franklin Templeton Intl. Services India Pvt. Ltd., India Mar 2006 - Dec 2011

Research Analyst, Money Markets- Banks and Financial Institutions

Performed detailed analysis of banks and formulating reports to opine on the credibility as a counterparty.

Conduct annual/ quarterly analysis on banks; extensive use to ratios, annual reports, analyst conference calls, latest market news and updates for analysis.

Initiate and update counterparty credit review on subsidiaries of banking conglomerates with which the company undertakes business.

Banking industry country reviews; Detailed comparison with domestic peers; Rank the banks covered.

Extract trade prices and broker quotes from Bloomberg for securities and study the characteristics of issue in order to match with analysis done and come up with most attractive purchases.

Initiated research projects related to current issues or other concepts as would be useful for investment decision making.


Used financial modelling to a greater extent for better analysis.

Added many new countries to existing coverage, increased number of banks to double.

Earned confidence of PM Portfolio Manager to and started covering emerging markets companies.


Unitis Tower Wealth Advisors, India Aug 2005 - Mar 2006

Equity Research Analyst - Across Sectors

Analyzed listed Indian companies and making a comparison with their peers on the basis of financials and their business model, followed by making a report summarizing the findings. Various sectors were covered mainly following the bottom-up approach.

Analyzed and prepared reports on IPO's.

Wrote concise yet informative sector-specific articles for newsletter distributed to clients.


Quick understanding of different industries.

Mature reasoning being a fresher earned excellent feedback from management, who are renowned personalities in Wealth Management.


R. A. Podar College of Commerce, Mumbai University

Bachelor of Commerce, 2003

Chartered Financial Analyst (CFA- AIMR) ~ 2012

Chartered Accountancy (Institute of Chartered Accountants of India) ~ 2005


MS Word, PowerPoint and Excel (VLOOKUP, pivots, macros recording).


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