Aditya Kumar
Varanasi
Summary
Dynamic banking professional with extensive experience at Kotak Mahindra Bank, specializing in financial trade solutions and relationship building. Proven track record in driving growth strategies and enhancing client portfolios. Adept at risk evaluation and fostering strong partnerships, delivering tailored banking products to meet diverse client needs.
Overview
20
20
years of professional experience
Work History
Location Manager
Kotak Mahindra Bank LTD
Kolkata
10.2022 - Current
- Team Lead managing and ensuring the deliverables for
- Onboarding of Targeted set of Business Banking Trade Finance customers
- Generation of Trade & Forex Income including proposing for hedging solutions as Forward Contracts and Option Covers.
- Attachment of Trade Assets (Non-Fund Based limits as Letter of Credit/Bank Guarantee & Fund Based limits as Packing Credit, Pre & Post Shipment Finance, Export Bill Discounting, Buyer’s Credit, Foreign Currency Term Loan)
Business RelationShip manager
Kotak Mahindra Bank LTD
Varanasi and Allahabad
06.2021 - 09.2022
- Understand client’s business & provide appropriate working capital solutions across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyer’s credit, LC, BG etc.
- Work closely with Branch Banking teams for new customer addition.
- Penetrate client’s business with various products like Current Account/ Term Deposits/ Transaction Banking/ Trade Finance for the primary Relationship & Group companies.
- Build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.
- Focus to continually increase the Book size and profitability of the assigned portfolio.
- Understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships.
- Be alert on competitive elements in the target segments (viz. other banks etc.) & augment the presence and penetration of the Kotak brand in the target market.
- Maintain high caliber client service.
- Improve efficiency by monitoring & overseeing continuous improvement of processes.
- Constantly have a rapport with the operating units to customize and develop solutions
Product Sales Manager
Kotak Mahindra Bank LTD
UP Bihar
09.2018 - 06.2021
- To act as a single point of contact for trade related (Forex, Exports Finance Imports Finance, LC, LCBD BG, Supplier Credit, Buyer’s Credit etc.) activities for the division( Branch banking ) that they are assigned Geography.
- To liaise with the sales channels to ensure maximum penetration and revenue generation.
- Responsible for driving targets, Product training in the assigned location/ region / division.
- Forward and derivatives and LRS, NRE transaction.
Trade sales Manager
IndusInd Bank Ltd.
UP EAST
05.2016 - 09.2018
- Conduct training program for Trade product PCAT Team, Branch Banking Team about trade products.
- Handle BG, LC and other Non-Fund Based limits.
- Responsible for acquisition of Forex clients from Branch banking Team and Other support channels for remittances, forward / derivative contracts and identifying cross - sell opportunities for products as working capital / term loan limits.
Business Banking Relationship Manager
Kotak Mahindra Bank LTD
Varanasi
05.2014 - 05.2016
- Sourcing of New to Bank business banking accounts & Managing the Business Banking portfolio.
- Assisting the client's business with different business banking products like OD/CC/ BG/Term Loans/Forex/etc.
- Cross sell of Liability based products liked Fixed Deposit, savings account to the portfolio clients.
- Maintaining the service standards set by the bank in collaboration with the service support team.
- Maintain Co-ordial relationships with internal stakeholder and external agencies to generate leads for New to bank Clients.
Business Banking Relationship Manager
Axis Bank Ltd.
Gorakhpur
02.2014 - 05.2014
- Handling existing Key Trade and current account Relationship.
- Maintain high quality, profitable and broad based relationships with the existing client base and grow the CASA & Fee Book.
- Originate and work with product groups as necessary to structure, execute and implement banking solutions for clients across all products.
Relationship Manager- Elite And Trade Relationship
ICICI Bank Ltd.
UP EAST
08.2012 - 02.2014
- Handling existing Key Trade and current account Relationship.
- Maintain high quality, profitable and broad based relationships with the existing client base and grow the CASA & Fee Book.
- Handle Products like bills for Collections, Bank Guarantees, and Letter of Credits Treasury products. and Acquire new trade relationships.
- Originate and work with product groups as necessary to structure, execute and implement banking solutions for clients across all products.
Trade Sales Manager
HDFC Bank Ltd.
UP EAST
12.2009 - 06.2012
- Handling existing Key Trade and current account Relationship.
- Maintain high quality, profitable and broad based relationships with the existing client base and grow the CASA & Fee Book.
- Handle Products like bills for Collections, Bank Guarantees, and Letter of Credits Treasury products. and Acquire new trade relationships.
- Originate and work with product groups as necessary to structure, execute and implement banking solutions for clients across all products.
Forex Manager
Akbar Travels Of India P Ltd
Varanasi
08.2008 - 11.2009
- Established the branch from scratch.
- Business development in wholesale and retail Forex.
- Appointment of Travels agents for Travel & Foreign exchange Business.
- Handling tour & Travels Related Query.
Branch Manager
Wall Street Finance Ltd.
Varanasi
11.2006 - 07.2008
- Established the branch from scratch.
- Business development in wholesale and retail Forex.
- Appointment of Franchisee of Western Union and Foreign exchange.
- Looking after entire branch operations like- audit compliance, admin requirements, manpower management.
- Handled a team of 11 employees.
Forex Officer
UAE Exchange & Financial Services Ltd
Varanasi
12.2005 - 10.2006
- Interaction with Bankers, RMC’s & F.F.M.C’s For Forex Business.
- Expansion of Forex Franchise & Money Transfer Agency.
- Operation & Cash dealing in different Currencies.
- Designated Audit Compliance Officer of Branch.
Education
B.Sc. -
Lucknow university
01.2002
Intermediate -
U P BOARD ALLAHABAD
01.1999
High School -
U P BOARD ALLAHABAD
01.1996
Skills
- Financial trade solutions
- Banking product expertise
- Foreign exchange oversight
- Relationship building
- Risk evaluation
- Growth strategy development
- Leadership skills
Hobbies and Interests
- Traveling
- Cycling
- Reading books
- Net Surfing
- Swimming
Personal Information
- Father's Name: Dr. Kamesh Kumar
- Mother's Name: Smt Madhu Devi
- Date of Birth: 10/13/80
- Marital Status: Married
Languages
English
Intermediate (B1)
B1
Bengali
Beginner
A1
Timeline
Location Manager
Kotak Mahindra Bank LTD
10.2022 - Current
Business RelationShip manager
Kotak Mahindra Bank LTD
06.2021 - 09.2022
Product Sales Manager
Kotak Mahindra Bank LTD
09.2018 - 06.2021
Trade sales Manager
IndusInd Bank Ltd.
05.2016 - 09.2018
Business Banking Relationship Manager
Kotak Mahindra Bank LTD
05.2014 - 05.2016
Business Banking Relationship Manager
Axis Bank Ltd.
02.2014 - 05.2014
Relationship Manager- Elite And Trade Relationship
ICICI Bank Ltd.
08.2012 - 02.2014
Trade Sales Manager
HDFC Bank Ltd.
12.2009 - 06.2012
Forex Manager
Akbar Travels Of India P Ltd
08.2008 - 11.2009
Branch Manager
Wall Street Finance Ltd.
11.2006 - 07.2008
Forex Officer
UAE Exchange & Financial Services Ltd
12.2005 - 10.2006
B.Sc. -
Lucknow university
Intermediate -
U P BOARD ALLAHABAD
High School -
U P BOARD ALLAHABAD