Garima Gupta

• I am working as the Regional Head of Business Banking, which includes all lending products, i.e. Funds-based and non-funds-based, especially for Micro, Small, and Medium Enterprises, and also get liability sourced from these customers.
• We have expanded market presence with targeted marketing campaigns and strong customer relationship building.
• Under this role, we have Improved regional performance by implementing strategic sales initiatives and effective team management.
• Increased revenue by identifying new business opportunities and closing high-value deals.
• Conducted regular performance reviews, setting clear expectations, and supporting employee development initiatives.
• Manage team performance on all the parameters and make them capable to excel in each parameter.
• Manage and strengthen client relationship by giving the best services to them.
• Handle escalated customer calls and guide/assist the relationship manager to manage their customers.
• Managing branch channel, DSA Channel for business generation.
• Maintain hygiene of the portfolio at the utmost level to reduce minimum delinquency in the portfolio.

• I used to handle a portfolio size of Rs. 250 Cr of outstanding limits of MSME customers spread over Delhi NCR, which included the below-mentioned KRAs:
• Acquisition of a New Relationship.
• Credit Assessment of Loan Proposal.
• Trade and Forex transaction deal structuring.
• Generation of Maximum revenue for the portfolio.
• Cross sale of liability products to existing customers, i.e. Life Insurance, Yes Securities, General Insurance, CMS, Current Accounts, Saving/OPDT accounts.

Key Achievements:

• Promoted from small business banking to Emerging Business Banking in span of 9 months.
• No exit from the portfolio during my tenure.
• Got appreciation for excellent portfolio handling from seniors and customers.
• Achieved 1 rating on YTY basis and falling under top five Portfolio manager, PAN India, consistently.
• Awarded many awards for achieving highest trade and forex income, Insurance, Yes Securities, etc.

• The following were the main KRA of the profile:
• Asset Acquisition: We used to acquire working capital customers, having turnover of Rs. 5.00 cr to Rs.200 cr through branch network and references from the customers.
• Portfolio Handling: We had to handle every activity of the portfolio, such as housekeeping, transactions, delinquency management, and retention of the portfolio customers.
• Underwriting the proposal: In case of underwriting, we used to prepare the proposals of SME clients, analyze the financials of the customer, and do the initial assessment of the limit. Then, we put it up to the credit department for approvals and final assessment.
• Disbursement of the limit: We also get the documentation done from the customer, and log in the file to ops and disburse it in customer accounts.
• Cross Sales: Cross-selling other financial products to the portfolio and new customers to get the maximum profitability from the portfolio.

• Experience in Creditors Payment.
• Knowledge of Creditors & Bank Reconciliation.
• Knowledge of trade tax and income tax.
• Preparation of consumption statement, inventory valuation.