BHARTESH CHAUDHARY
Summary
Certified documentary credit specialist and MBA professional having more than 12 years of experience in Trade finance/transaction banking domain. Currently working as Senior Product Manager for Cross border trade.
Overview
2026
2026
years of professional experience
1
1
Certification
Work History
Senior Product Manager
ICICI Bank Ltd
Noida
04.2021 - Current
- Identified market opportunities and devised strategies to increase business numbers, implementing tracking methods that enhanced PPOP for the bank.
- Scoping out new opportunities in Trade domain through market analysis, customer feedbacks, regulatory changes etc. to design new products or enhance the existing product suite for a competitive advantage to business teams on the field.
- Digital Transformation of Trade Products
- Migrated existing products from offline to digital platforms, enhancing digital penetration and customer engagement for the bank.
- Worked on simplifying processes to enhance customer and branch experiences.
- Identifying the bottlenecks in processes, critically evaluating the factors leading to rejections in customer requests and working out solutions to decongest the processes to simplify the customer and branch journey.
- Acted as a subject matter expert on product management and executed complex transaction structures within the regulatory framework.
- Cross Functional Project Management
- Developed project initiatives with a proactive, stakeholder-centric approach to drive collaboration and alignment in a fast-paced environment.
Project Details
ICICI Bank Ltd
2021 - Current
- Project: Migrating offline fragmented limit sanctioning process of Bill discounting to a digital platform (i-COS)
- Description: The existing processes of Bill discounting limit sanctioning involved multiple fragmented process of doing customer appraisal in a word document, doing AML check across applications, taking approvals in a separate application, physically signing the documents and then hard copy storage of document set. The project aimed at bringing all the stages of limit sanctioning on a single application called Credit Origination system (i-COS), digital document signing and a digital repository of documents.
- Roles and Responsibilities in the project:
- Identified gaps in current process and developed roadmap for digital transformation
- Created business requirement specification (BRS) document to guide technology development
- Facilitated discussions with IT team to prepare logic and clarify requirements for development based on change requests
- Involved in complete phase-wise UAT of the project including preparation of test cases
- Preparation of project launch along with the marketing team
Project Details
ICICI Bank Ltd
2021 - Current
- Led initiative for rapid packing credit loan approvals
- Designed new process flow for instant packing credit loan disbursements to pre-qualified customers, reducing turnaround time from 8 hours.
- Analyzed large customer base sanction letters to establish eligibility framework for instant credit of packing credit loans.
- Designing the customer master database for pulling the required data during system FI run for instant credit check
- Prepared business requirement specification (BRS) document to guide technology developments.
- Engaged with IT team to outline necessary system developments
Transaction Banking Corporate branch Experience
ICICI Bank Ltd
05.2013 - 03.2021
- Managed various products
- Managed export bill lodgment, regularization against advance payments, negotiation and discounting on client and bank lines, EPC/PCFC credit disbursement, GR waiver issuance, and advising on export LC confirmation.
- Facilitated establishment of letters of credit and amendments, conducted document scrutiny and payments, disbursed trade credits, managed import bill lodgment, and issued delivery orders and shipping guarantees.
- Established domestic and cross-border bank guarantees, including advance payment guarantees, performance guarantees, tender/bid bond guarantees, second loss guarantees for securitization, and guarantees with onerous clauses.
- Foreign Remittance: Settlement of Foreign Inward remittances for different Purpose codes, Outward remittance for Import and Non Import Purposes.
- Inland Trade: Inland LC Issuance, Bill lodgment, Post acceptance and Pre acceptance LC Bill discounting.
- Capital Account Transactions: Handling of Capital account transactions like FDI and ODI with responsibility for RBI reporting as per guidelines.
- General Banking operations: All current account customer requests including Domestic fund transfers in Finacle(7x, 10x), Account opening/KYC updation, tax payments, miscellaneous customer queries.
Education
PGDM - Marketing, Operations
FORE SCHOOL OF MANAGEMENT
Delhi01.2013
B. Tech -
Galgotias College of Eng.& Tech.
UP01.2011
Schooling -
St. Paul’s School
MathuraSkills
- Product design
- Project management
- Business requirements
- Digital transformation
- Process optimization
- Cross-border trade
Certification
- 2021, Qualified CDCS (Certified Documentary Credit Specialist) conducted by London Institute of Banking and Finance.
- 2021, Completed Six Sigma Yellow Belt Certification from VMEdu Inc.
- 2015, Completed Certification in Trade Finance (CITF) conducted by Indian Institute of Banking and Finance (IIBF).
Personal Information
Date of Birth: 03/09/88
Transaction Banking Experience
ICICI Bank Ltd, Export: Export Bill lodgment on collection and regularization against advance payments, Negotiation/Discounting on client and bank lines, EPC/PCFC credit disbursement, Issuance of GR waiver, Handling of Deemed export and e-BRCs, advising and confirmation of Export LC., Import: Establishing Letter of credits/amendments, document scrutiny & payments, Disbursing Trade Credits, Import Bill Lodgment, Issuing delivery orders & shipping guarantees., Bank Guarantees (Domestic and Cross Border): Establishing of Advance payment Guarantees, Performance Guarantees, Tender/Bid Bond/EMD Guarantees, Second loss Guarantees for securitization & Guarantees with onerous clauses., Foreign Remittance: Settlement of Foreign Inward remittances for different Purpose codes, Outward remittance for Import and Non Import Purposes., Inland Trade: Inland LC Issuance, Bill lodgment, Post acceptance and Pre acceptance LC Bill discounting., Capital Account Transactions: Handling of Capital account transactions like FDI and ODI with responsibility for RBI reporting as per guidelines., General Banking operations: All current account customer requests including Domestic fund transfers in Finacle(7x, 10x), Account opening/KYC updation, tax payments, miscellaneous customer queries.
Timeline
Senior Product Manager
ICICI Bank Ltd
04.2021 - Current
Transaction Banking Corporate branch Experience
ICICI Bank Ltd
05.2013 - 03.2021
Project Details
ICICI Bank Ltd
2021 - Current
Project Details
ICICI Bank Ltd
2021 - Current
PGDM - Marketing, Operations
FORE SCHOOL OF MANAGEMENT
B. Tech -
Galgotias College of Eng.& Tech.
Schooling -
St. Paul’s School