Rachit Raj Jain

Business Development Executive

Mumbai, Maharashtra, India2 yrs 10 mos experience

Key Highlights

Managed a SME lending portfolio of INR 10 billion.
Led process improvements saving over 100-man hours.
Awarded V.K. Bhalla Gold medal for excellence.

Stackforce AI infers this person is a Fintech professional with expertise in credit management and client relationship strategies.

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Skills

Core Skills

Client Relationship ManagementFinancial AnalysisSustainabilityCredit AssessmentCredit ManagementTeam ManagementTraining DevelopmentMarket Research

Other Skills

Cross-SellingData AnalysisEnrolled ActuaryMarketingMicrosoft ExcelPortfolio ManagementProcess ImprovementProject ManagementStatistical Data AnalysisVideo Production

About

I am currently pursuing a Post Graduate Diploma in Management (PGDM) from S.P. Jain Institute of Management and research (SPJIMR),Mumbai. Previously I worked as an Associate Relationship Manager at The Hongkong and Shanghai Banking Corporation Limited, India (HSBC, India) where I managed client relationships and a SME lending book of INR 10 billion which included underwriting reviews & enhancements, handling transactions etc.. Contributed as a member of the sustainability team, aligning on-ground initiatives with HSBC’s long-term net zero commitments and took active part in process improved aimed at optimizing operational efficiency. I also worked at ICICI bank as a Credit Manager in the retails assets division. I pursued B.com (H) from Shri Ram College of Commerce, University of Delhi. During my undergraduate years a served as an event coordinator at Click- Photography club and was awarded V.K. Bhalla Gold medal for A.Y. 2023. A Strategic thinker and problem solver. I thrive on turning data into action and creating tangible impact.

Experience

Hsbc

Associate Relationship Manager- Business Banking, CMB

Jul 2023 – May 2025 · 1 yr 10 mos

Managed INR 6 Bn SME/UBD portfolio; underwrote loans & ensured compliant credit assessment.
Create NTB prospecting Database; aided in conversion & diversification of SME portfolio.
Led process improvement initiative and helped save over 100-man hours.
Part of the sustainability team which is responsible for Carbon neutrality projects.
Tracked client performance; mitigated risks using periodic financial reviews & client insights.

Financial AnalysisClient Relationship ManagementProcess Improvement

Icici bank

Credit Manager, Retail Assets

Jul 2022 – Jul 2023 · 1 yr

Underwrote loans and managed credit process of portfolio of ₹900 million
Liaised with legal & technical teams; expedited case resolution to reduce credit TAT
Managed team ops & EDP personnel; maintained AL TAT tracker for process integrity
Led cross-selling initiatives; generated ₹11M leads across retail lending products
Created credit training video; enhanced onboarding by simplifying concepts for new credit hires.

Credit ManagementTeam ManagementCross-Selling