GANESH JAISWAL
Ghaziabad
Summary
Sales leader with extensive experience in business development and customer relationship management at ICICI Bank Ltd. Achieved significant growth in high-value accounts through effective portfolio management strategies. Expertise in credit analysis and team development led to enhanced performance and increased client satisfaction in competitive markets. Committed to empowering customers to achieve financial independence.
Overview
18
18
years of professional experience
Work History
Regional Head Sales - (SMEG&MCG)
ICICI Bank Ltd
New Delhi
02.2019 - Current
- Managing the team of SME RMs who handle and acquire the SME and MCG clients.
- Actively handling a portfolio of clients across various industries having turnover range from Rs.200 million to Rs 7.50 billion with an average loan ticket size of Rs 100.0 million with portfolio size of Rs 4.00 billion.
- Responsible for business development and acquisition of new-to-bank clients, cross selling and advising of various banking products and services.
- Monitoring the existing portfolio of corporate accounts in order to maintain them as profitable and performing assets.
- Timely vetting the credit appraisal notes, CMA, cash flow analysis, financial projections and related activities for the assigned portfolio and presenting it to the approving authority for sanction.
- Close follow-up of actionable and conduction regular review of accounts.
- Maintaining regular and ongoing interactions with operations team for smooth flow of the transactions.
- Clientele includes/included leading construction, garments, steel, education, IT and electronic appliances and agro companies etc.
Relationship Manager- Business Banking and Retail Assets (Sr. Manager)
Yes Bank Ltd
Noida
09.2016 - 01.2019
- Handling and coordinating Team of 7 people and getting their business done.
- Coordinating & managing branch and cluster acquisition team for asset business.
- Managing Service, Relationship and acquisition Team for BB and RB business.
- Time to time arranging product training and activity for their knowledge enhancement.
- Coordinating with branch and product team for their closer of business.
- Publishing branch and team scorecard weakly basis to Top management.
Business Banking - Relationship Manager
Kotak Bank
Noida
03.2011 - 09.2016
- Work on Banking Products like Working Capital lending (Cash Credit, Buyers Credit, Letter of Credit), Term lending products, Trade products (Buyers Credit, Export Financing), Bank Guarantees, etc and support client needs.
- Liaison with credit team for case to case query resolution for sanction and till disbursement.
- A complete Portfolio management to all mapped 36 group customers with portfolio size of 60 Cr.
- Conducting client visit for cross selling and also for inspection for onsite verification of activity and checking of stock position etc. submitted.
- Trade Services: Handling the inward and outward trade transactions like LC, LCBD, BG, Forward Contract, PCFC, FCTL, and Buyers Credit etc.
- Arranging business and trade knowledge events for Bank staff & customers time to time.
- Frequent update to CBL/HO on status of all mapped branches and provide ideas on more business generation.
- Key Achievements as: Relationship Manager -Business Banking, Noida (Apr'15 to Sep'16)
- Handling High net worth Prima and Optima privilege customer.
- Acquired and manage trade customer and generate T-Fx Income of branch budget.
- Acquired Working Capital, Lap OD and ECG customer and witnessed 75% SOH.
- High value CASA sourced and maintained handsome balances.
Business Development Executive: Retail Liability
Axis Bank Ltd
Meera Bagh, New Delhi
12.2009 - 02.2011
- Consistence qualifier of Champions League club in CASA acquisition on monthly basis.
- Qualification in Life Insurance business best employee in Q3.
- Successful handling of Consumer and Business Loan and Servicing in the liability branch.
- Qualify top 2nd slot of employee in branch banking in Mutual Fund on the occasion of launching of Axis Triple Advantage Fund (NFO).
Sales Executive: Retail Liability
ABN AMRO Bank NV
Hauz Khas, New Delhi
02.2008 - 11.2009
- SA Sales - New to Bank Customer Acquisition and servicing.
- The average monthly business of Life Insurance and Demat account. Lead Generation for consumer assets.
Home Town (Big Bazaar)
Noida
- Company Overview: A Retail Chain of Future Group for Home Making
- Conducted study on supply Chain Management on smooth processing of inbound material and timely delivery of deliverables with higher customer satisfaction and lesser complains (Part of summer training).
- A Retail Chain of Future Group for Home Making
Cholamandalam General Insurance
New Delhi
- Conduct Research Report on General Insurance Product: Customer needs requirements, satisfaction and claim ratio on several of product of company.
Education
Master of Business Administration (M.B.A.) - Marketing and Finance
Technical Education & Research Institute
Uttar Pradesh, India01.2008
Bachelor of Commerce -
VBS Purvanchal University
Jaunpur01.2005
Diploma in Computer -
Ghazipur Tech Zone
GhazipurSkills
- Business Banking
- Customer relationship management
- Portfolio management
- Business development
- Credit analysis
- Risk assessment
- Trade finance experience
- Relationship Management
- Team Grooming
- Retail Sales
- Operations
- Service Functions
- Business Development
- Financial Analysis
- Risk Forecasting
- Financial Services
- Accounting Principles
- Reporting
- Credit Analysis
- Risk Assessment
- Compliance Monitoring
- Credit Risk Management
- Cash Flow Preparation
- Stress Testing
- Market Research Analysis
- Environmental Risk Analysis
- Collateral Analysis
- Guarantor Analysis
- Credit Review
Personal Information
- Date of Birth: 06/05/86
- Nationality: Indian
- Marital Status: Indian National
References
Available upon Request
Training
- Leadership Skills
- Managerial and Interpersonal Effectiveness Programs
- Presentation and Communication Skills programs
- Advanced leadership program
Favorite Pastimes
- Tourism
- Watching Hindi Movies
- Listening to Light music
Skill Summary
- Sharp Banking professional with a rich 16 years in-depth banking experience across Business Banking, Relationship Management, Team Grooming, Retail Sales, Operations and Service Functions.
- Comprehensive knowledge of Business Banking Assets, Trade-Forex, Retail Liabilities and Experience in branch banking operations, Business Development and Team handling.
- Track of increasing loans and improving client retention and growing customer base.
- Financial analysis and risk forecasting for business purpose.
- Possess excellent knowledge of financial services, accounting principles and reporting.
- Analyze credit information to determine the risk involved in corporate lending and prepare reports of findings.
- Utilize applicable software program to track and monitor company's compliance with covenants.
- Support credit risk managers by spreading personal, business financial statements and tax returns.
- Preparing cash flows, stress testing projections, and borrowers, ensuring proper loan.
- Analyzing guarantor support, monitoring loan covenants, analyzing market research, and environmental risk.
- Background and debt recap, collateral and guarantor analysis and then submitted for approval to the appropriate credit authorities.
- Collaborate with colleagues in gathering documents and completing applicable credit reviews.
- Evaluate credit-worthiness of companies within technology media and telecom and consumer, retail, and healthcare.
- Analysis of company's overall ability to continue performing on its outstanding debt.
- Acquire a better understanding of a company's ability to repay debt and interpretation from accurate information and historical trends.
Timeline
Regional Head Sales - (SMEG&MCG)
ICICI Bank Ltd
02.2019 - Current
Relationship Manager- Business Banking and Retail Assets (Sr. Manager)
Yes Bank Ltd
09.2016 - 01.2019
Business Banking - Relationship Manager
Kotak Bank
03.2011 - 09.2016
Business Development Executive: Retail Liability
Axis Bank Ltd
12.2009 - 02.2011
Sales Executive: Retail Liability
ABN AMRO Bank NV
02.2008 - 11.2009
Home Town (Big Bazaar)
Cholamandalam General Insurance
Master of Business Administration (M.B.A.) - Marketing and Finance
Technical Education & Research Institute
Bachelor of Commerce -
VBS Purvanchal University
Diploma in Computer -
Ghazipur Tech Zone
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