Corporate Banker, CDCS, MBA, 11years experience

Management - PGDM, IIM Calcutta – **** Batch (core fields: Marketing, Finance)

Engineering - NIT Durgapur (formerly REC Durgapur) Mechanical

Trade Finance - CDCS (valid till 2014), ICC Certification on UCP600, DC Master and ISP98

Post MBA engagement profile: (10 years experience in P&L Management, Leadership roles in sales, Product & Channel Development, and Team Management.)

Currently: Vice-President, Corporate Banking (Trade & Supply chain) North with HSBC (Apr07-till Date)

Managing key corporate banking relations for the bank from the Trade product side with special focus on non fund based funding and other structured trade finance solutions. The profile is into farming of a portfolio of 23 clients in the Large Corporates (INR 8000Mn +) and mid market (turnover –INR 1000-8000Mn). This involves balance sheet based products as well as off balance sheet products like bank line buyers credit, LCBD, Forfaiting.

KRA requires to increase the trade wallet share for the Bank and also assist other the corporate banking relationship groups sourcing of new relations with various trade funding requirements.

Broad segments of clients in my portfolio: Metals, Construction Machinery, Auto Component, Real Estate, Garment, Commodity manufacturers and traders of global scale, EPC projects players.

Key Achievements:

• Grown the Large Corporate trade portfolio from INR 70 M from 2008 to INR 110 M in 2009 to INR 145M in 2010 now looking for a revenue target of INR 180M in 2011

• 2009 - Successfully structured funding of FLCs for Pearl Global through forfaiting desk while the company was under pressure on the fund based side. Revenue of approx INR 5M

• Pan India first disbursal for warehouse receipt based funding for Sunstar Overseas for INR 40 cr. Commodity : paddy

• 2009 - Structured one of the biggest UPAS deals of USD 20 M through HSBC Forfaiting Desk in Singapore for Floriana Industries (Among top 10 commercial banking relation pan India) in Aug 09 resulting in generating revenue of INR 12 M.

• 2010 - Structured LC confirmation & discounting deal of USD 10 M for Cobra Instalaciones into turnkey power projects working both in India an Africa in Feb10 resulting in revenue of INR 4M.

• 2010 – Suppliers credit for the largest Real estate company DLF (Largest commercial Banking relation in India. Also the largest revenue earner for the bank in India across all segments) in India for USD 9.8M for import of captive power plant chillers. The deal resulted in generating revenue of INR 9M.

• Significant Ramp up in asset and flow business with Action Construction, HEG (among the top five large corporate relation in TSC North India), Dalmia Cements, HHEC, MMTC,STC, PEC, BCL, Subros, whirlpool etc

• Largest contributor to Commercial banking (LLC) revenue from North India for Trade.

• Received CMB Head’s Deal Flash for DLF and MMTC in 2011.

• Building up a UPAS structure for Whirlpool for USD 80M

Aug 2005 – Mar 07 with Development Bank of Singapore at Delhi – AVP Enterprise Banking

o Responsible for the overall Mid Market PCM, Trade and Liability strategy of the bank with specific focus on the Northern region

o Team Lead for GTS flow and PCM business for North

o Core member of the Business Development and Product Promotion strategy.

o Conceive and implement of a scalable acquisition strategy in terms of the segments, product pitch and SFA (sales force alignment)

o Core member of the Finacle project team in charge of migrating the core system of the Bank from existing to Finacle

Key Achievements:

o Successful role out of Finacle with initial data satisfaction index of over 98%

o Successful conceptualization of a mix of doorstep services and closed group client engagement programs with value added treasury research data, which has resulted in keeping us in line to meet our challenging target of having 200 unique clients on board in current FY. The number stood at 128 till end of July 06.

o Mid market Liability business grown from nil to INR250 Mn. Trade fees of INR 24 Mn YTD.

o Focused segment oriented product pitch and offering resulted in increasing the customer base from nil to eighty five

Since Feb 04 onwards till July 05 with ICICI Bank Ltd.

Quantitative performance figure for the year Apr 04 to March 05 as Cluster head (Team of 5 RMs , 10 Deputy RMs and 25 Sales Assistants):

Liability business:

INR 900 Mn achieved through driving a team of two solution manager liabilities and the team of relationship executives. Focus on liability was on new relation acquisition, float and mobilizing deposits.

Trade business:

Generated a fee target of INR 18 Mn. Focus being acquisition of new trade clients as also servicing and customizing for existing set of clients. This was driven through 2 Relationship Manager Trade and personal monitoring of top 150 relations. Main products being LC/BG/Bills discounting and negotiation/forex suite.

Assets:

Major focus on asset business primarily through lending under credit card securitization and under other parameterized lending modules like enterprise credit and flexi-credit where the financials of the companies needed to be evaluated, proposal to be prepared, negotiated at risk and finally sanction. Disbursed under the above programs to the tune of INR 220 Mn

Achievements:

Positioned among top 10% across the country in terms of overall performance.

3rd in terms of Credit cases Pan India Basis

3rd In terms of New Trade Client Acquisition on Pan India Basis

Since May 01 till Jan 04 with Wipro eperipherals as Area Business Manager UP/UA

Responsibilities:

• Location head and in charge of the entire business generated form Uttar Pradesh and Uttaranchal and operating out of Luck now.

• Appointing channel partners and driving and distributing the regional target (INR150 Mn) between them

• Continuous and comprehensive rolling forecast as per market data and market intelligence

• Monitoring and developing the dealer and reseller chain. Tier-2 being our major focus area.

• Administering local schemes for dealers and resellers

• Large Account Management

• Deciding on credit offerings as per credibility and discretion and account receivables management

• Appraising the marketing executives and service engineers reporting to me.

• Overall responsibility for HR issues in the region, employee training and satisfaction

• Successfully initiate local advertisement and promotional campaigns and brand building exercises and monitor them on regular basis in terms of sales translation.

Achievements:

• Awarded the best region trophy for healthy business

• 12% YoY growth overall and 40% growth on channel sales

• Top performer in terms of consistency for strategic products

• 20% increase in channel width.

• Cleanest channel sales record across the country – no cheque dishonor in the region for the last 9 months

Pre- MBA Details:

• BE Mechanical, Regional Engineering College Durgapur 1996.

• Worked with Voltas and Air India post engineering between July 1996 – Jan ‘99

• Schooling from ST.XAVIER’s Durgapur.

• Recipient of NTSE scholarship

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