Jan 2020 – Jul 2022 · 2 yrs 6 mos

• Sales Head-Commercial Cards
• In the capacity of Solution Sales Head for Commercial Cards have lead the sales efforts for Digital, E-Commerce, Mid Corporates, Emerging Corporates and Commercial Subsidiaries Segments. Tasked to grow B2B payment book (Cross Border & Domestic) on Cards disproportionately for e-Commerce cloud/marketing spends, subscriptions, vendor payments and aggregator flows by owning revenue/spends targets for the business.
• To ensure growth we structured payable finance on Commercial Cards rails by leveraging data & leading initiatives for incremental flows/revenue streams and driven the solution through a Partner model leveraging Fintech Capabilities.

Apr 2017 – Jan 2020 · 2 yrs 9 mos

• Regional Sales Lead- Trade & Cash Management
• As regional sales lead managed Trade & Cash Product Sales for Mid Corporate clients in western region with a focus on increasing wallet share. Achieved account plans for fee and non-fee revenues across products including Export, Import, B2B Remittences, engaged with clients to understand their business process and solution domestic, cross border trade services, financing, payments and receivables. With high focus on compliance to global payments systems and regulatory environment, created specific flows not covered under regulatory framework, prepared and presented the case to get approvals from regulators bolstering business growth for clients.
• Implemented highest number of receivable and payments solutions across commercial banking clients and structured solutions for managing cash/trade throughput to derive efficiency for customers and the Bank and ensured digitisation of >90% export and import throughputs in the portfolio.
• Have been acknowledged and awarded by Global Commercial Bank Head for Implementing maximum structured trade and cash management solutions in Commercial Banking helping grow domestic and cross border flows and revenues.

Jan 2017 – Mar 2017 · 2 mos

• Specialist- Inclusive Finance & Priority Sector Lending
• As specialist Inclusive Finance & Priority Sector Lending for in India worked extensive across Corporate Banking, Financial Institutions, Commercial Banking and Business Banking Clients. The solutions involved direct lending, structured finance, supply chain finance, agency backed finance with risk defeasance structures across Food & Agro Processing, Textile, Pharma, Paper Industries falling in SSIs, MSMEs and Large corporates segments.
• Amended domestic factoring program internally and helped inclusion of book under PSL by liaison with Reserve Bank of India Teams. Have been successful in building PSL eligible domestic trade finance and loan book in in achievement of PSL targets for three consecutive years.
• Executed & Monitored first PSL eligible pool purchases from NBFCs by way of securitisation for the Bank and also Partnered with Global Inclusive Finance and Export Agency Finance team for Multilateral Agency (OPIC/IFC/ADB) supported Credit solutions to Micro Finance Institutions.
• Managed regulatory compliance & audit for Inclusive Finance book.

Jun 2014 – Dec 2016 · 2 yrs 6 mos

• Specialist- Priority Sector Lending
• As specialist Priority Sector Lending for India, worked extensive across Corporate Banking, Financial Institutions, Commercial Banking and Business Banking Clients.
• Amended domestic factoring program internally and helped inclusion of book under PSL by liaison with Reserve Bank of India Teams. Have been successful in building PSL eligible domestic trade finance and loan book in in achievement of PSL targets for three consecutive years.
• Executed & Monitored first PSL eligible pool purchases from NBFCs by way of securitisation for the Bank and also Partnered with Global Inclusive Finance and Export Agency Finance team for Multilateral Agency (OPIC/IFC/ADB) supported Credit solutions to Micro Finance Institutions.
• Managed regulatory compliance & audit for Inclusive Finance book for three consecutive years.

Apr 2013 – Jun 2014 · 1 yr 2 mos

• Relationship Management- Corporate Agri & SME Group
• As Relationship Manager Responsible managing relationships from agro processing and MSME segments, appraisal and approvals through credit/risk committee. Have worked extensively across relationships to ensure diversification of revenues from FX, Export/Import Flows, Credit Facilities and Cash Management, Commodity Finance solutions. Developed and Commercialised SBLC backed lending program with Financial Institutions Group, ensuring credit to clients of foreign Banks with no Branch in India.

Apr 2011 – Mar 2013 · 1 yr 11 mos

• Solution Manager- Corporate Agri & SME Group
• As Solution Manager I was responsible for business development from agro processing and MSME segments, appraisal and approvals through credit/risk committee. Have worked extensively on Branch-linked sourcing channel for deal identification/originations. Successfully onboarded 21 companies offering working capital, term loans, ECB, Commodity Finance & FX facilities with lowest proposal rejection rate in the country. Awarded for the highest cross sell: increasing penetration of ICICI group products i.e. life/general insurances in the portfolio.

May 2009 – Mar 2011 · 1 yr 10 mos · Khammam (Telangana), West Godavari(AP), Nanded (Maharashtra)

• New Generation Cooperatives (NGC)
• As officer in NGC projects across Andhra Pradesh, Maharashtra and Telangana, entrusted to increase the procurement of milk and managing Supply Chain. Worked extensively towards devising communication strategies for awareness of Clean Milk Production (CMP) & Conducted regular meetings with milk producers for formation of cooperative. As a team managed more than 250 village level Milk Collection Units including but not limited to Site Identification, Preparation, Enginerring Activities, Procurement and managing supply chain to ensure quality milk is supplied to marketing units.
• Implemented first and effective digital payment system for farmers through innovative use of Digital Banking Correspondents of Public Sector Banks. The regular cash flow and trail of digital collection records, benefited farmers in availing cash flow linked credit limits resulting in growth of regular incomes.

Nov 2008 – Dec 2008 · 1 mo · Delhi Area, India

• A study on energy efficiency in residential housing covering, inter-alia, and an assessment of the energy efficient models of construction technology and design, international practices, GOI schemes to promote use of renewable and non-conventional energy in housing and strategies for enhancing energy efficiency in housing.

Jun 2008 – Jul 2008 · 1 mo · Madhya Pradesh, Rajasthan, Uttar Pradesh

• Study of the impact of efforts put in by quality/procurement persons in educating the milk producers about adoption of clean milk production and anti adulteration practices and to suggest ways and means to improve the effectiveness of the efforts.

Oct 2007 – Nov 2007 · 1 mo · Jharkhand

• Creation of food security in Bharno Block of Gumla District under PACS (Poorest Area Civil Society) programme of DFID (Dept. for International Development).