Joby Abraham Thomas

Versatile senior manager with expertise in credit, treasury, FX, and risk management framework. Strategic planner, implementer, and overseer of key improvements to drive business growth and enhance efficiency. Proven track record of cultivating an open culture that fosters the free exchange of information. Seeking new professional challenges with a growth-oriented company.

• Corporate Finance: Championed a strategic program to expand microfinance industry by £300 million, focusing on vendor risk assessments and sustainable growth. This initiative not only supported financial inclusion and community empowerment but also added significant value to the bank's portfolio through strategic, resilient expansion.
• Sustainable Finance and Operational Efficiency: Developed and implemented a strategic approach to achieve net-zero compliance in sustainable housing and industrial retrofitting, managing a strategic credit uptake of £35 million. This initiative not only set new industry standards for sustainable finance but also enhanced operational resilience and efficiency.
• Risk Management in Structured Financial Products: Strategically managed and executed £2 billion in derivatives transactions using advanced risk management technologies. This role was pivotal in ensuring optimal investment returns and enhancing the bank's operational risk framework, demonstrating a profound understanding of value creation and efficient process execution.
• Financial Crime Oversight: Led comprehensive efforts in financial crime oversight, meticulously ensuring strict regulatory compliance and robust reporting. Successfully prevented 3 Near-Miss Events (NME) and conducted in-depth investigations into 6 fraud cases. Additionally, performed a rigorous portfolio credit review of 55 corporate loans. My instrumental role extended to overseeing transaction risk within trade finance, leveraging key red flags and early warning systems (EWS).
• Strategic Growth in FX Sales Treasury : Managed a £25 billion FX portfolio at the State Bank of India, achieving 24% year-over-year growth through strategic trading, pricing, and risk management initiatives. This involved executing over £2 billion in treasury sales, which boosted treasury revenue by 15% and improved client retention through tailored solutions for corporate clients' currency exposure
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• Enterprise Architecture Redesign for Global Markets : Led a pivotal project to integrate Global Business Services (GBS) into the Global Markets department's enterprise architecture. This initiative optimized decision-making and deal structuring, resulting in a 20% ROI improvement in bond and equity investments, a 35% increase in customer retention, and a 50%-80% reduction in decision-making turnaround time
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• Trade Finance and FX Operations Enhancement : Spearheaded a reconciliation project that achieved a 92% rate within nine months for export-import entries, which reduced counterparty risk and enhanced operational efficiency by 30%. Additionally, expanded the trade finance portfolio by introducing Structured Letters of Credit (SLBC) and other products, leading to improved efficiency and compliance
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• Digital Transformation in CRM Implementation : Directed the implementation of an ERP-based CRM system tailored for Forex clients, achieving a 20% increase in customer engagement and a 60% reduction in complaint resolution time. This digital transformation initiative streamlined internal processes, increasing operational efficiency by 15% while enhancing customer retention and satisfaction rates.
• Treasury Analytics for Volatility Trading : Led a project that focused on customer behavior analysis during volatile trading sessions. This initiative boosted trading volumes by 53% quarter-over-quarter and increased wallet share by 15% through targeted strategies. The project also successfully onboarded 30+ new forex trading clients, diversifying the customer base and expanding market reach
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• PRMIA
• APMG INTERNATIONAL
• CHARTERED MANAGEMENT INSTITUTE