AYUSH JOSHI
Nainital
Summary
Results-oriented Relationship Manager with strong expertise in NRI Banking operations, including NRE/NRO/FCNR account management, cross-border remittances, forex advisory, and portfolio management for NRI and HNI clients. Well-versed in FEMA and RBI regulations, AML/KYC compliance, and international banking procedures. Proven ability to drive liability growth, CASA acquisition, and cross-sell investment and wealth products such as Mutual Funds, Insurance, and Fixed Deposits.
Additionally experienced in Trade Finance operations including handling Letter of Credit (LC), Bank Guarantees (BG), SBLC, export-import documentation, working capital coordination, and trade risk management. Adept at client relationship management, revenue generation, and ensuring regulatory compliance while delivering high service standards and achieving business targets.
Overview
3
3
years of professional experience
4041
4041
years of post-secondary education
Work History
TRADE RELATIONSHIP MANAGER
ICICI Bank Ltd
BHIWADI
06.2023 - Current
Experienced Trade Relationship Manager with strong exposure to NRI Banking operations and cross-border financial services. Skilled in handling Trade Finance products including Letter of Credit (LC), Bank Guarantees (BG), SBLC, export-import documentation, and working capital coordination while ensuring compliance with RBI and FEMA regulations.
Additionally experienced in supporting NRI clients with NRE/NRO/FCNR account management, cross-border remittances, forex advisory, and portfolio servicing. Adept at coordinating with credit, treasury, and operations teams to ensure smooth transaction processing, risk mitigation, and timely delivery of trade and NRI services.
Focused on revenue generation, client relationship management, cross-selling liability and investment products, and achieving business targets while maintaining high service standards and regulatory compliance.
Education
Certification Of Achievement - Certificate in Investment Banking Operations
IMARTICUS
03.2025 - 10.2025
Post Graduate Diploma in Banking - Banking And Financial Support Services
Manipal University
Banglore 12.2022 - 02.2024
Completion - NISM VA
SEBI
03.2023 - 03.2023
Bachelor of Arts - International Relations
Kumaon University
Haldwani 06.2018 - 01.2022
ST THERESA SEN SEC SCHOOL
Haldwani ST. THERESA SEN SEC SCHOOL
Haldwani Skills
Trade Finance Operations (LC, BG, SBLC, Export/Import Finance)
Export-Import Documentation & Compliance (FEMA / RBI Guidelines)
Forex & Cross-Border Remittance Handling
NRE / NRO / FCNR Account Management
SWIFT Messaging & International Trade Processing
AML / KYC & Regulatory Compliance
Portfolio & Relationship Management (SME / NRI / HNI Clients)
Wealth & Investment Product Advisory (MF, Insurance, FD, Bonds)
Client Acquisition, Retention & Revenue Growth
CASA & Liability Product Sales
Risk Assessment & Trade Risk Mitigation
Coordination with Credit, Treasury & Operations Teams
Target Achievement & Business Development
Customer Service Excellence & Complaint Resolution
CRM Tools & Core Banking Systems
MS Excel, PowerPoint & Financial Reporting
Strong Communication, Negotiation & Interpersonal Skills
Languages
English
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Timeline
Certification Of Achievement - Certificate in Investment Banking Operations
IMARTICUS
03.2025 - 10.2025
TRADE RELATIONSHIP MANAGER
ICICI Bank Ltd
06.2023 - Current
Completion - NISM VA
SEBI
03.2023 - 03.2023
Post Graduate Diploma in Banking - Banking And Financial Support Services
Manipal University
12.2022 - 02.2024
Bachelor of Arts - International Relations
Kumaon University
06.2018 - 01.2022
ST THERESA SEN SEC SCHOOL
ST. THERESA SEN SEC SCHOOL