MEGHA M. JOSE
Bengaluru
Summary
- With over 14 years of experience in the banking and corporate sectors, have successfully collaborated with cross-functional teams Credit, FM, Trade, CMS to resolve complex issues, ensuring timely delivery and client satisfaction.
- Strong business acumen enables effective communication with management and internal/external stakeholders.
- Known for reliability, flexibility, and effective communication skills, poised to make a significant impact in any professional setting.
- Diligent Client Coverage Manager with proven ability to build lasting client relationships and drive customer satisfaction. Successfully managed comprehensive client portfolios, ensuring seamless service delivery and effective issue resolution. Demonstrated proficiency in strategic planning and negotiation skills.
Overview
15
15
years of professional experience
4
4
Certifications
Work History
Client Coverage Manager
Standard Chartered Bank
Bengaluru
12.2022 - Current
- Managing asset & liability portfolio of MNC, Large-Mid Corporate & CRE clients.
- Assisting clients with Banking Solutions and products- Working capital,Buyer's Credit, ECB,RCF, Cash Management,Trade Finance, Trade Go Digital, H2H,S2B,TBFX, Flowbanker, Security Services, Payroll.
- Liaising with various teams such as COBAM-CRC (CMF Team), GPSCU, FCC, CET, Financing Solutions, LDU, Legal, OBL, Credit, S2B, FM and any other team as and when the task demands.
- Negotiation of facility documents with the respective stake holders, coordinating with Compliance, Legal, CDU on BFL,GMCT,GMTT,RCS,CG,LOC,ISDA.
- Managing GAM related accounts and liaising with FAM team and ensure a seamless processing of transaction. Involved in RCAF/GCAF discussions.
- Ensuring perfection of security for securing RWA benefit.
- Part of first of its kind product structuring for start-up ecosystem by combining EIF structure with PaaS capabilities to create a risk mitigated framework.
- Completed CDD, GIC and ensured swift execution within 10 days of signing a FA for USD 55mn Acquisition Financing Facility.
- Liaised with FS, LDU and other stake holders to complete processing of USD 390mn syndicated deal for a Strategic Financing Package.
- Liaising with Agent Bank and internal teams for disbursement of USD 34mn RCF.
- Follow up with client/agent on timely renewal of security documents (Corp-Guarantees, insurance policy & premium, LOC, SBLC, AOD, etc.)
- Ensuring CDD and all associated IDs of NTB clients are completed and generated on precedence
- Monitoring of Excess, Past Due, EUM, Astar and ensuring all excess, past due, Astar observations and DDW points are regularized
- Liaising with clients ensuring the limits are utilized and in turn generating revenue
Manager
Axis Bank Ltd
07.2022 - 12.2022
- Handled clients from various segments- MNC, Large Corporate, Mid Corporate, Emerging Corporate
- Handled Issuance and amendment of Inland Letter of Credit, Buyer’s credit, Inward/Outward bills and discounting of bills and Invoices.
- Responsible for streamlining the LC and LCBD desk post decentralization and appreciated for excellent turnaround time and managing client escalation.
Deputy Manager
HDFC Bank Ltd
05.2019 - 06.2022
- Responsible for handling queries of over 150 branches on Current Account and Savings account opening for entire Bengaluru Region
- Responsible for smooth functioning of team, timely processing, and resolution of queries within TAT
Accountant
Advanced Business Group Co, W.L.L
05.2015 - 04.2017
- Handled Banking and Treasury Operations
- Preparation and analysis of weekly cash flow statements to plan on any deficiency or surplus
Assistant Manager
South Indian Bank Ltd
05.2010 - 09.2014
- Handled foreign inward remittances& cheques, Import and Export bills, bill crystallization, Forward contracts, FIRC issuance etc
- Met business and operational targets, ensured smooth functioning of branch operations
- Handled statutory and general compliances of the branch
Education
Master of Business Administration -
.
Skills
- EBBS
- CMS
- iCDMS
- SigCap
- Magellan
- Imex
- Credit Mate
- CRMx
- MS Office
Certification
Client Management Credit Curriculum.
Awards & Recognitions
- Received Best Performance Award in Retail Liabilities- Operational Excellence for the month of June'20- HDFC Bank Ltd.
- Received Silver Award for Best Performance for the Period Oct'20 to Dec'20- HDFC Bank Ltd.
- Received Best Performance Award in Retail Liabilities- Operational Excellence for the month of August'21- HDFC Bank Ltd.
- Recognized for liaising with client for converting a deal and completing CDD at short notice.
Timeline
Client Coverage Manager
Standard Chartered Bank
12.2022 - Current
Manager
Axis Bank Ltd
07.2022 - 12.2022
Deputy Manager
HDFC Bank Ltd
05.2019 - 06.2022
Accountant
Advanced Business Group Co, W.L.L
05.2015 - 04.2017
Assistant Manager
South Indian Bank Ltd
05.2010 - 09.2014
Master of Business Administration -
.
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