KIRAN S
Bengaluru
Summary
Results-oriented Trade & Forex Banking Professional skilled in trade product sales, portfolio development, and foreign exchange solutions. Proven expertise in driving business growth, activating customers, and facilitating complex trade transactions in collaboration with Relationship Managers and operational teams.
Overview
1
1
Certification
13
13
years of professional experience
Work History
Trade Sales Manager – Senior Manager
HDFC Bank Ltd.
05.2024 - Current
- Drive sales and revenue growth across Trade & Forex products, aligning solutions to customer requirements and business priorities.
- Develop business through mapped branches, relationship teams and customer engagement; identify opportunities for acquisition, activation and portfolio deepening.
- Partnered with branch banking, relationship managers, trade operations, treasury, and compliance teams to advance transactions and improve customer experience.
- Supported customers with trade and forex solutions, enhancing service delivery through letters of credit, bank guarantees, import/export payments, forward contracts, and capital-account transactions.
- Provided product guidance and training to branch teams, monitored business performance, and enabled achievement of income and portfolio goals.
- Ensure transactions and documentation are handled in line with applicable bank policies and regulatory requirements.
Assistant Vice President | Cluster Product Sales Manager – Bengaluru 2 & 3
Yes Bank Ltd.
07.2021 - 05.2024
- Led Trade product sales across the assigned cluster, focusing on client requirements, penetration, profitability and revenue growth.
- Acquired trade-potential customers through mapped branches and conducted joint meetings with Relationship Managers to advance business opportunities.
- Handled large-ticket transactions, including FDI, ODI and forward contracts, coordinating with Compliance, Operations and Treasury.
- Delivered training on Trade products and processes at branches, supporting marketing and product promotion initiatives.
- Monitored portfolio performance, identified customer attrition risks, and coordinated with branch teams on retention and growth strategies.
- Ensured adherence to internal procedures and applicable RBI and FEMA guidelines for forex transactions.
Product Sales Manager – Bengaluru & Upcountry Locations
Kotak Mahindra Bank Ltd.
08.2019 - 06.2021
- Managed Trade & Forex business across 13 major Bengaluru branches and 10 branches in the Hubli region.
- Planned and executed sales activities and contests, reviewed performance with business teams to support achievement of forex income budgets.
- Enhanced forex business across branch banking, sales, corporate salary, working capital, NRI, priority banking, wealth and TASC channels.
- Specialized in forward contracts, LCBD, export financing, capital-account transactions, retail forex, and activating new-to-bank and inactive accounts.
- Conducted product training and coordinated documentation to meet RBI, FEMA, FEDAI and bank requirements.
Deputy Manager | Portfolio Officer Service (Jul 2015 – Dec 2016); Trade Sales Manager (Dec 2016 – Aug 2019)
HDFC Bank Ltd.
07.2015 - 08.2019
- Generated revenue through foreign-currency cash, outward remittances, bank-note transactions, and Trade & Forex products, contributing to overall branch profitability.
- Acquired new-to-bank customers, strengthened customer relationships and trained branch teams on Trade products and processes.
- Coordinated with Trade Operations and Treasury to ensure timely transaction processing and issuance of LCs/BGs, enhancing customer satisfaction and operational efficiency.
- Acquired new-to-bank customers and strengthened relationships while training branch teams on Trade products and processes, increasing product adoption and customer loyalty.
- Supported compliance screening and ensured alignment with applicable RBI, FEMA, OFAC, FATF and AML requirements.
Relationship Executive | Branch In-charge – JP Nagar
Thomas Cook (India) Ltd.
04.2014 - 07.2015
- Promoted wholesale, retail, and corporate foreign-currency business, increasing branch visibility and customer engagement.
- Managed foreign-currency cash, prepaid cards, outward remittances, and travellers’ cheques for retail and corporate customers, ensuring compliance and accuracy.
- Facilitated branch goal attainment by enhancing team collaboration and customer KYC screening.
Education
MBA – Master of Business Administration -
Karnataka State Open University
BBM – Bachelor of Business Management -
Bangalore University
Skills
- Trade Finance & Forex Sales
- Import & Export Solutions
- Letters of Credit and Bank Guarantees
- FX risk solutions
- Capital & Current a/c transactions
- Trade operations coordination
- Branch / Cluster Sales Management
- Customer Acquisition & Portfolio Growth
- Revenue planning
- Performance monitoring
- Regulatory compliance
- Sales Training
- Market Strategy Development
- Stakeholder management
Certification
Certification: Certificate Course in Foreign Exchange – Indian Institute of Banking & Finance (IIBF)
Personal Information
Languages: Kannada, English and Hindi
Timeline
Trade Sales Manager – Senior Manager
HDFC Bank Ltd.
05.2024 - Current
Assistant Vice President | Cluster Product Sales Manager – Bengaluru 2 & 3
Yes Bank Ltd.
07.2021 - 05.2024
Product Sales Manager – Bengaluru & Upcountry Locations
Kotak Mahindra Bank Ltd.
08.2019 - 06.2021
Deputy Manager | Portfolio Officer Service (Jul 2015 – Dec 2016); Trade Sales Manager (Dec 2016 – Aug 2019)
HDFC Bank Ltd.
07.2015 - 08.2019
Relationship Executive | Branch In-charge – JP Nagar
Thomas Cook (India) Ltd.
04.2014 - 07.2015
MBA – Master of Business Administration -
Karnataka State Open University
BBM – Bachelor of Business Management -
Bangalore University