JIJU JOY
Vice President – Global Transaction Banking Department South India
Summary
Dynamic and results-driven banking professional with over 21 years of experience in Trade Finance, Cash Management, and Banking. Proven expertise in leading regional teams, fostering collaboration, and driving performance to achieve strategic objectives. Strong track record of delivering innovative financial solutions that enhance operational efficiency and client satisfaction. Committed to leveraging industry knowledge to contribute to organizational success and growth.
Overview
24
24
years of professional experience
4
4
Languages
Work History
Vice President – Global Transaction Banking Department South India
Mizuho Bank Ltd
04.2019 - Current
- To promote transaction banking business i.e. cash, trade finance & FX for select large clients of South in order to achieve both quantitative and qualitative targets.
- To analyze and understand customer’s needs and recommend appropriate cash, FX and trade financing solutions.
- To cultivate knowledge of business through various sources and catch market trend and potential business chances for trade finance.
- To prepare internal reports which include risk analysis of the customer, trade flow and summarizing market, industry information in order to get an internal approval.
- Engage with compliance / credit / operations / legal / finance in addressing product-related requirements for the business.
- Engage with regulatory bodies on product related matters and make representations for necessary clarifications / approvals along with Compliance.
- Conduct product related training sessions for Customers RMs, credit analysts and other stake holders.
- Area of coverage – all customers of South [Chennai and Bengaluru Branches].
Senior Vice President & Regional Head South India
Yes Bank Ltd
10.2012 - 08.2018
- Directly lead a team covering a portfolio of Corporate & SME.
- Manage relationships through constant interaction & account mapping at varied levels in client organizations, while ensuring a risk-adjusted portfolio contribution.
- Managed South India (Bangalore, Chennai, Hyderabad, Coimbatore and Kochi) to meet regional sales financial objectives.
- Partner and leverage on internal stakeholders to establish best in class practices for efficient and seamless processes and operations.
- Develop and maximize cross-sell relationships and opportunities with other business units.
- Responsible for commercialization and rollout of new Trade Finance products, including product approval, design & governance of regional product standards and policies.
- Ensure the highest customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints.
- Ensure all regulatory reporting & compliances are enforced.
- Manage, control and supervise daily activities of the teams in terms of efficiency, compliance and service quality control.
Manager Mid-Office–Global Trade & Receivables Finance
The Hong Kong Shanghai Banking Corporation Ltd
04.2010 - 10.2012
- Was instrumental in setting up of Trade Mid Office - Sales Office department in Kochi for the trade operations of Kerala to support Kochi and Trivandrum.
- Handle relationship management and business development among the existing Medium Enterprise and Corporate client base including deepening the relationships as well as cross-selling.
- Increase facility utilization rate in current customers to enhance the Bank's share of wallet.
- Determining the products that are most effective in meeting customer’s needs and be able to sell these at short notice both reactively and proactively.
- Customize, adapt & develop new products to increase profitability, reduce costs & ease operational bottlenecks.
Manager Trade & Forex Services
Kotak Mahindra Bank
09.2008 - 04.2010
- Work with Product Team for product enhancement, and create customized solutions (including documentation and agreement) for complex customer needs, if appropriate.
- Independently manage a portfolio of existing client’s accounts profitably & maintain quality of existing assets.
- Keep abreast of market development and take appropriate action as required on a continuous basis.
Relationship Manager – Trade Finance
HDFC Bank Ltd
02.2007 - 09.2008
- Handled Corporate, SME & Retail clients.
- Grow the team’s portfolio profitability by identifying new and existing customer potential including sales opportunities and new product promotion initiatives.
- Structure existing Products to suit client requirements & complete legal/document formalities & monitor disbursement post closure.
Customer Service Officer - Corporate and Institutional Banking Division
ICICI Bank Ltd
04.2004 - 02.2007
- Handling trade finance - exports, imports, remittance & inlands department.
- Liaising with Reserve Bank of India on behalf of the customers for necessary approvals.
- Communicates all key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes.
- Monitor levels of complaints and quality of handling.
Import - Export Executive
International Trade Services Bureau
10.2001 - 04.2004
- Foreign Trade Consultant - Negotiation with Exporters, Banks and Shipping Companies on behalf of the clients.
- Office administration and sourcing the buyers and materials, Export Import Lead generation.
Client Coordinator
Renaissance Creations
05.2001 - 10.2001
- Job responsibilities included Buyer co-ordination and co-ordination with internal departments like production, sampling.
- Maintaining Export register, Auditing of Shipping bill, Bill of Lading, etc.
Education
MASTER OF FOREIGN TRADE - undefined
CMS COLLEGE OF SCIENCE AND COMMERCE
COIMBATORE01.2001
BACHELOR OF ARTS - ECONOMICS
CHRIST COLLEGE
IRINJALAKUDA01.1999
Timeline
Vice President – Global Transaction Banking Department South India
Mizuho Bank Ltd
04.2019 - Current
Senior Vice President & Regional Head South India
Yes Bank Ltd
10.2012 - 08.2018
Manager Mid-Office–Global Trade & Receivables Finance
The Hong Kong Shanghai Banking Corporation Ltd
04.2010 - 10.2012
Manager Trade & Forex Services
Kotak Mahindra Bank
09.2008 - 04.2010
Relationship Manager – Trade Finance
HDFC Bank Ltd
02.2007 - 09.2008
Customer Service Officer - Corporate and Institutional Banking Division
ICICI Bank Ltd
04.2004 - 02.2007
Import - Export Executive
International Trade Services Bureau
10.2001 - 04.2004
Client Coordinator
Renaissance Creations
05.2001 - 10.2001
MASTER OF FOREIGN TRADE - undefined
CMS COLLEGE OF SCIENCE AND COMMERCE
BACHELOR OF ARTS - ECONOMICS
CHRIST COLLEGE
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