CURRICULUM VITAE

Name : JHARNA SAPRU

Date of Birth : 30 Jan 1980

Current Address : ***, ***** *, *******,

Nirvana Country, Sec 50,

Gurgaon - 122002

Haryana

Mobile No. : +91-989**-*****

E-mail Id : adm0ll@r.postjobfree.com

EXPERIENCE PROFILE

TOTAL EXPERIENCE: 7 YEARS +

1. Indusind Bank Limited, Gurgaon

From Mar 2011 till Nov 2012

Designation: Business Manager/Analyst, Corporate and Commercial Banking Group (CCBG)

As a Business Manager I had to provide various support services to the head of Commercial Banking (Mid market) - North & East. With a team strength of 35 RMs, involved in Sales and service of core banking products, I had to provide data analytics and business intelligence support on CBG business reporting requirements (revenue analysis, team performance, client prioritization, deal pipeline, strategic plans, client profiles, etc.).

I used my analytic abilities to develop and produce operations performance reports and management reports summarizing key performance indicators, using tools such as Excel and PowerPoint. Presenting these reports on daily, weekly, monthly, half yearly and yearly, as on request.

I was responsible to manage data manipulation & data integrity process highlighting key RM trends such as revenue by product / by geographic region / by segment / by risk. I was instrumental in developing strategic presentations for senior management. My research and inputs across parameter in strategic aspects like Budgeting, Projections and Manpower/Hiring helped the process heads to present the analysis so Business heads. I had to execute creative analyses and provide insight to identify issues and arrive at recommendations.

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Simultaneously work on multiple projects across CCBG - Sustainability report, priority sector, external rating update etc.

2. Hongkong & Shanghai Banking Corporation, New Delhi From Jun 2006 till Dec 2009

Designation: Senior Assistant Manager, Liabilities, Commercial Banking (SME)

(Assistant Manager until Dec 2007)

My responsibilities at HSBC were to source and manage a portfolio of Business Banking relationships falling within our SME parameters. My job involves procuring New to Bank relationships with a strong focus on Transaction Banking and Service. A major part of my profile was to meet the service standards with focus on customer relationship enhancement and satisfaction.

My targets were revenue based with a strong focus on cross-sell and operations. My current portfolio comprises of a basket of products –

o Trade & Derivatives – Imports, Exports, Credit lines, Buyers Credit, LC Discounting, Options, Forward, ISDA, etc.

o Cash Management & Priority Payments – Collections, web-based payment structure, inward and outward remittances

o Factoring – Unsecured lending based on Company balance sheets, books and stocks o IPO s & Escrows - Structured deals

In TRADE & Cash Management, my profile indulged in document handling, monitoring, advising, rectifying and despatching to the concerned authorities. I dealt with dealers and overseas banks for transaction reporting, discrepancy handling and KYC verifications/confirmations.

I have used my analytic abilities and communication skills to handle and advise HNIs and their complex transactions well within the purview of our internal compliance and regulatory restrictions and thereby go beyond sales through strategies falling within our SME parameters by focussing on:

o Liability led Transaction Banking – Involving myself not only on acquiring clients so as to increase banks book value but also on developing and deepening these relationships to also acquire the status of being core and/or primary bankers to these clients.

o Revenue Portfolio Dimensions – Ensuring smooth transition of clients from small, and self-banking to big, and relationship managed portfolio, handling complex transactions.

o Customer Life Cycle Management – Handholding these relationships keeping strict controls on the current Regulations and Compliance, as these small clients will grow in tandem with the country growth and concentration on SME segment. I have undergone various Product and performance trainings and cleared all tests which include two levels of Credit Accreditation, Anti-money laundering, Operational risk, etc., and 3

have been amongst a privileged few to be chosen for level-3, which is focused on lending as HSBC-SME has launched into Credit in the summer of 2008. 3. Standard Chartered Bank, Mumbai

From Nov 2004 to Nov 2005

Designation: Personal Financial Consultant – Branch Banking (Shared Distribution) My responsibilities at the Standard Chartered Bank were to generate business to meet a portion of the Branch Targets along with providing personalized consultancy services to the existing Client Base of the Branch, walk-ins and to generate new leads and referrals, in order to expand the Client Base and the Book Value of the Branch. During the course of my tenure with the Branch, I handled all facets of consumer banking including Savings and Current a/c, Mutual Funds, Insurance and generating leads for Loans - Home, Mileage (car) and Personal.

Designated as a Relationship Manager in a number of the prestigious accounts of the Branch, I was able to make immense contribution to sourcing, building new relationships, maintaining, and expanding existing clientele.

Handled clients covering the entire range from Excel to General Mass Market, including the exclusive Priority class, and created relationships that enhanced the Branch Book Value considerably. I was able to achieve this with effective time management which enabled me to make Sales Calls both within the Branch (Database and walk-ins), and on the field (referrals and lead generation).

My job entailed working extensively on HOGAN, which is the dedicated system software for almost the entire spectrum of banking in the Standard Chartered, India. Was adjudged the “Branch Savings Champion” for having sourced not only maximum Savings a/c(s) (which, besides Insurance, was the Branch focus for the Financial Year 2005-06), but also enhanced and sustained the Branch figures on a month-to-month basis, by constant persuasion and motivation of the rest of the team. Some of the other activities which enhanced my knowledge/ experience are as follows :-

Excelled in the following training capsules and courses organized by the bank scoring above 90 % marks in each:-

o Basic Banking capsule

o Money Laundering Prevention Course for Wholesale Banking (India) o Introduction to Outsource Course

o Operational Risk Course

o Health and Safety Course

Was in-charge of organisation and registration of the entire Branch customers as well as Area registrations for the Standard Chartered Mumbai Marathon 2005.

Organised and Participated in several campaigns - Insurance Meet, CASA Reloaded, Mutual Fund IPOs, and numerous contests held by the bank. I also had the opportunity of managing the entire Branch, single handed, during weekday business hours and more specifically on Sundays/ Bank holidays (being a 365 day branch). 4

4. ICICI Prudential Life Insurance Co Ltd, Mumbai

From Oct 2003 to Sep 2004

Designation: Financial Services Consultant - Direct Marketing (Bancassurance and Alliances)

The job entailed achieving a part of the Team Targets through analysis of the investment portfolio of individuals and suggesting the appropriate Insurance Opportunity, based on a detailed Life Style Profiling. I was also responsible for generating MIS through Sales and Marketing Software Goldmine, lead generation and management, demographic profiling along with campaign stimuli.

With the basic concept and policy of putting customer first, I was able to show commendable results by exceptional customer profiling. Some of my achievements during my early years of service were as follows:-

Flash – an achievement for quick starters

Silver – a basic threshold for salary increment

Achieved a greater household penetration through profiling 5. INDUSTRY TRAINING : Venture Infotek Pvt Ltd, Mumbai. Project: “Industry Survey on Payment Card Sector” - 6 weeks (Jun-Jul 2002). Objective of the Project was to study and analyse the growth and future prospects in the Credit, Debit and ATM Card Industry.

The study involved visiting and inter-acting with a large population of clients (Citibank, Stan Chart Bank, ICICI Bank, HDFC, HSBC, etc) and analysing where each bank ranks with respect to the Card Issue and the Industry Spend.

The Project Report has been covered in detail in Financial Express and other Business Dailies; also available for viewing at website:

www.ventureinfotek.com/pdf/industrysurvey2002.pdf

I consider my Industry Training project as being instrumental in building my skills by providing me experiences that ranged across several sectors of the industry. EDUCATION PROFILE

Masters in Management Studies; Specialization : Marketing Chetana’s Institute of Management and Research, Mumbai – (2001 - 2003).

Bachelor of Arts; Major : Economics with Statistics(First Class) St Xavier’s College, Mumbai – (1997 – 2000).

HSC; Commerce with Maths (80 %)

The Army Public School, New Delhi – (1996-97).

SSC; Science, Maths, French (79 %)

The Army Public School, New Delhi – (1994-95).

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LANGUAGES

English, Hindi, Kashmiri, Nepali. Also, have a fair working knowledge of French. HOBBIES AND INTERESTS

My main interests are sports and outdoor activity. I was an active participant in sports during school and represented the School in Volleyball and Basketball at the Zonal level in the year 1996-97.

I enjoy Music and Dance and have been a member of Dramatics Group in school and college. I worked as a Volunteer for Administration Department in MALHAR, a major Festival event of St. Xavier s College (Mumbai), during 1997 and 1998. Reading: Fiction (especially law, spy and war related).

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