HITESH PANSARI
Associate Vice President - Seasoned Banker - SME Expert
Mumbai,MH
Summary
Seasoned Banking Professional with expertise in SME & Medium sized corporate lending, revenue generation, and client relationship management. Known for structuring effective credit solutions, driving portfolio growth, and collaborating across teams to ensure exceptional client service and business outcomes.
Overview
11
11
years of professional experience
3
3
Certifications
Work History
Sr. Relationship Manager, SME & Mid-Market Lending
Kotak Mahindra Bank Ltd.
01.2022 - Current
- Managed an SME portfolio of Fund Book of nearly ₹500 Cr, overseeing limit enhancements, renewals, and tailored financing solutions for clients with ticket sizes of ₹10–100 Cr.
- Structured and implemented innovative working capital, term loan, and project finance deals, adding value and maintaining a competitive edge.
- Built and nurtured relationships with CEOs and CFOs, driving business origination, client retention, and portfolio growth.
- Developed strategic financial solutions to optimize cash flow and enhance SME financial stability, based on in-depth portfolio and risk analysis.
- Collaborated with cross-functional and credit teams to streamline approval processes, reduce turnaround times, and deliver efficient, client-focused lending solutions
Acquisition Manager - SME Lending
ICICI Bank Ltd.
08.2019 - 12.2021
- Acquired and managed SME and mid-market clients (₹5–50 Cr), driving portfolio growth and revenue.
- Designed and implemented working capital strategies, enhancing client liquidity and financial health.
- Delivered comprehensive banking solutions through collaboration with cross-functional teams across the bank.
Assistant Manager - Finance - Corporate Planning
Firstsource Solutions
05.2019 - 08.2019
- Coordinated with cross-departmental finance teams to collaborate on budget preparation, performance tracking, and achievement mapping.
- Developed a comprehensive Budget vs. Achievements playbook to support board reporting, annual budget planning, and financial forecasting (P&L, balance sheet, and cash flow).
Treasury Intern
Srei Equipment Finance
04.2018 - 05.2018
- Gained hands-on exposure to treasury and investment operations, conducting financial product valuations (DCF, ICFF) and implementing advanced risk management, including Forex hedging.
- Supported cash flow forecasting, liquidity management, and fund transfers while developing financial models and streamlining treasury processes with cross-functional teams.
Software Developer
UST Global
02.2015 - 05.2017
- Executed data migration activities using Oracle tools for one of the leading retail giants based in the United States.
- Collaborated closely with clients to plan and run system deployments at regular intervals, ensuring smooth transitions and minimal operational disruption.
Education
MBA - FINANCE
Narsee Monjee Institute of Management Studies
Bengaluru, India 04.2001 -
Bachelor of Technology - Electrical And Electronics
Kalinga Institute of Industrial Technology
Odisha01.2014
XII - CBSE
Haryana Vidya Mandir
Kolkata01.2010
X - CBSE
Birla High School
Kolkata, India01.2009
Skills
Credit & Financial Analysis
undefinedAchievements
Selected for the Super 30 campaign at KMBL, recognizing top 30 RMs among 250 nationwide, gaining leadership exposure and collaborating closely with departmental heads.
Certification
Banking Credit Analysis 2020
Timeline
Sr. Relationship Manager, SME & Mid-Market Lending
Kotak Mahindra Bank Ltd.
01.2022 - Current
Acquisition Manager - SME Lending
ICICI Bank Ltd.
08.2019 - 12.2021
Assistant Manager - Finance - Corporate Planning
Firstsource Solutions
05.2019 - 08.2019
Treasury Intern
Srei Equipment Finance
04.2018 - 05.2018
Software Developer
UST Global
02.2015 - 05.2017
MBA - FINANCE
Narsee Monjee Institute of Management Studies
04.2001 -
Bachelor of Technology - Electrical And Electronics
Kalinga Institute of Industrial Technology
XII - CBSE
Haryana Vidya Mandir
X - CBSE
Birla High School