Aditya Rishi Chugh

• Managing relationships with corporate clients, originating leads from the market/ existing customers and structuring credit facilities, assessing lending opportunities, and growing the bank's corporate loan portfolio while maintaining asset quality.
• Coordinating with internal teams to ensure timely sanction and disbursement of credit facilities.
• Focus on revenue growth through selling the right product to the customer with a view on increasing profitability to the bank.
• Portfolio management, and risk control.
• Client Relationship Management
• Manage and deepen relationships with existing corporate clients.
• Acquire new corporate and mid-market clients through business development activities, generation of leads through customer references, breaking entry bariers to good customers and engaging with them until they provide an opportunity to bank with them. Look for DSA and CA refered customers. Participate in events through the bank to unearth leads from associations and events. Look for specific customers with good credit through bank tools and look for opportunities in FX related transactions and non balance sheet solutions to reduce risk for the bank
• Act as the primary point of contact for banking products and services.
• Identify opportunities for working capital, term loans, project finance, trade finance, and other credit products.
• Prepare and present credit proposals for approval.
• Financial Analysis & Credit Assessment
• Analyze financial statements, cash flows, leverage, profitability, and liquidity metrics.
• Conduct industry and company risk assessments.
• Evaluate repayment capacity and collateral coverage.
• Work closely with credit risk teams during underwriting and approval processes.
• Portfolio Management
• Monitor portfolio performance and client utilization of credit facilities.
• Ensure compliance with loan covenants and sanction terms.
• Track early warning signals and manage problem accounts proactively.
• Maintain portfolio quality and minimize credit losses.
• Cross-Selling & Revenue Generation
• Promote transaction banking, trade finance, treasury, cash management, and other banking products.
• Achieve lending, fee income, and profitability targets.
• Increase wallet share with existing clients.

Additionally, handling customer relationship by understanding their business model and help with networking to enhance brand image of the bank

• Handling clients that required software solutions in the ISV domain within United States Market

• Order management.
• Handling HP partner's orders of European, Middle East and African countries.
• Interaction with partners and solving their problems relating to orders placed by them.

• Market research of customers.

• Market research of customers.
• Identify, develop, or evaluate marketing strategy, based on knowledge of establishment objectives, market characteristics, and cost and markup factors.
• Compile lists describing product or service offerings.
• Edit or rewrite existing copy as necessary, and submit copy for approval by supervisor.
• Write articles, bulletins, sales letters, speeches, and other related informative, marketing and promotional material.
• Handling the official social media pages of the company

• Worked on all projects during the internship.
• "Dreeam cast fashion show" by celebrity photographer Karthick Srinivas.
• Regular posts on social media.
• Event managing role.