CHIRAG DOSHI

Managing & growing portfolio of over 15 Corporates along-with supporting the Coverage group for adding new clients in Pune, Nagpur & Gujarat. Understand & analyse Domestic Corporate & MNC clients business & accordingly bestow new age solutions to add value & deepen the relationship

• Steer end to end solutions to clients by means of digital / electronic products such as Host to Host, UPI products, Cheque Express etc by early credits compared to traditional ones thus resulting in improving clients working capital cycle
• Analysing & understanding the client’s requirement on International/Domestic arrangements for collections & payment and pitching accordingly
• Also monitoring Key performance indicator at account level and executing remedial action plan to ensure desirable profitability is attained
• Providing solutions & Onboarding clients on new age digital platforms such as Paperless Exports & Imports, ENACH, UPI, Virtual Accounts etc. to give enhanced services to client seamlessly
• Winning mandates & Co-ordinating with external as well as internal stakeholders such as implementation, product team, compliance to ensure that the mandate is implemented on time
• Managing relationship of biggest & strategic clients such as GCMMF(AMUL), Persistent, Tech Mahindra, Volkswagen, Piaggio, Calderys, Atlas Copco etc
• By monitoring existing flows, adding new accounts, pushing client to maximum payments through BNPP counters
• Delivering best of the services & solutions
• Co-ordinating with Coverage group & Global RM’s in other countries to scope for new avenues in existing relationship & also scope for new relationships to build the Pune & Gujarat market
• Understanding client business requirements & offer structures trade solutions which help them manage the working capital cycle & at the same time also comply with regulatory guidelines

Spearheaded Gujarat market in a start-up bank from pre-launch of the bank for Large Corporate clients, ensuring higher utilisation of limits & starting cash management mandates along with customer satisfaction matrices through providing solutions for Transaction Banking Services

• Trade Finance & Cash Management & Payments: Understanding & scoping new to bank clients in conjunction with the client coverage team & negotiating on product pricing before putting proposal internally
• Managed & enhanced the trade wallet-share by pushing clients to route transactions through the banks counters
• Maintaining & taking periodic stock of pipelines for transactions & following up aggressively to ensure closure of deals within a timeframe
• Assertive selling of bulk deposits and maintaining quarter end current a/c balances along with monitoring CA balances to ensure month on month increase in average balances
• Promoting products such as FastTags for transporters at National Highways to curb the cash handling (seminars for corporate fleets – HPCL , BPCL) & POS Machines at Tollways; MicroATM's at remote /rural areas (Solutions for Co-operative dairies).

Managed business relationships with Corporate and Government clients, ensuring high customer satisfaction matrices through providing solutions for Transaction Banking products

• Regular internal reviews with client coverage teams to assess existing portfolio and work towards exploring new to bank business Analysing & understanding the client’s Cash management requirements & sending offer letters / proposals for various mandates & follow-up for acceptance
• Co-ordinate with implementation team for easy onboarding of client
• Cross selling of other collection and payment products like IPO, rights issues, NCD issues, dividend warrant payments, etc
• Liasoning with Institutional/Govt. Clients such as LIC, OIC & GIC alongwith managing their flows

Engaged in sales of Trade products alongwith processing of transactions such as Exports, Imports, Export Financing, Import Financing, Forfaiting, and LC Discounting etc. Also responsible for servicing the Commercial Banking & Corporate Clients at the branch

• Setting up a Trade Operations Desk in Indore & Surat
• Client Servicing & Sales- First point of contact for all the customers for Trade transactions
• Ensuring closure of deals & handling Trade Finance transaction related queries & nuances
• Generating Revenue from Non-Banking customers as well through Bank Line transactions such as Buyers Credit & Sight RA
• Co-ordinating with overseas funding office & different departments of the bank for smooth processing of transactions

Forged in Processing & Facilitating trade services at branch for Retail & Consumer Banking clients

• Performing preliminary checks for Trade transactions before forwarding to Central Team
• Important activities like addressing Trade/Forex related queries, smoothly onboarding , managing Forex transactions for savvy clients, doing margin management and harmonise with Backoffice / Central team

Managed customer queries related to the General Banking Operations & strengthened the relationship; subsequently moved to Trade operations for processing transactions

• First point of contact for all the corporate customers for queries such as Clearance of Cheques, Funds Transfer, Opening of Accounts or Any Account related queries
• Preliminary checks & scrutiny for trade transactions such as Inwards, Exports, Imports, and Bank Guarantees etc.
• Streamlined the process of resolving queries for the client thrus resulting to reduction in overall TAT and customer satisfaction