KUNAL RAJ
New Delhi
Summary
Highly skilled Trade Finance professional with 6 years of experience in Trade Finance document scrutiny, and compliance at 3 Different Scheduled Commercial Bank. Possesses expertise in UCP 600, ISBP 821, URDG 758, FEMA, RBI/ICC/FEDAI guidelines, ensuring accurate and timely processing of LCs, BGs, and Collections within benchmarked TAT. Holder of IIBF Certification in Forex Operations and Certification in International Trade Finance as well as Done 5 days FEDAI Training Seeking to leverage proven supervisory trade finance experience to contribute to State Bank of India's robust international business operations.
Overview
1
1
Certification
6
6
years of professional experience
Work History
TRADE FINANCE AUTHORIZER
HDFC BANK LTD
09.2025 - Current
- Resolved customer inquiries by providing reliable information and actionable solutions to improve overall satisfaction.
- Engaged with team members to identify and implement process improvements, boosting overall efficiency in service delivery.
- Resolved escalated complaints by employing effective problem-solving techniques and maintaining professionalism.
- Analyzed trade finance documents to ensure compliance with regulations and internal policies.
- Assisted in processing letters of credit, enhancing transaction efficiency and accuracy.
- Monitored transaction flow, identifying potential issues and proposing timely solutions.
- Engaged in continuous learning of trade finance regulations and market trends to enhance expertise.
- Streamlined the closure process for 27,000 shipping bills, ensuring alignment with RBI's criteria for small shipping bills under 10 lakh.
TRADE DESK OPERATIONS MANAGER
INDUSIND BANK
11.2022 - 09.2025
- Streamlined operational workflows to enhance efficiency and reduce processing times.
- Performed meticulous Trade Finance document scrutiny for Indusind Bank + LCs, Collections, and BGs per month in compliance with UCP 600, ISBP, URDG 758, RBI Master Directions, and FEDAI guidelines — maintaining a discrepancy rate under 15%.
- Processed high-volume Trade Finance and Forex transactions at the bank's Centralized Processing Centre (CPC) on behalf of 8 Spoke branches, consistently ensuring processing within benchmarked TAT of 3 hours for LC/BG/Collection transactions.
- Performed daily reconciliation of Trade Finance and Forex entries across IDPMS, and EDPMS — ensuring zero outstanding unreconciled entries at month-end and compliance with RBI reporting.
- Handled 3 Times Concurrent Audit in my Tenor in Indusind Bank.
Customer Service Manager
ICICI BANK LTD
09.2020 - 10.2022
- Took ownership of customer issues and followed problems through to resolution.
- Served as a key liaison between clients and back-office teams, ensuring seamless execution of various trade finance instruments.
- Managed a diverse portfolio of clients, ensuring compliance with internal policies and regulatory requirements.
- Coordinated with banks and partners to resolve discrepancies in trade transactions.
Education
POST GRADUATE DIPLOMA IN BANKING - Banking And Finance
MANIPAL ACADEMY OF HIGHER EDUCATION
Bengaluru, India08-2019
B.COM(H) - COMMERCE
UNIVERSITY OF DELHI
DELHI07-2016
INTERMEDIATE - COMMERCE
COLLEGE OF COMMERCE
PATNA BIHAR06-2012
MATRICULATION - BASIS
GYAN BHARTI MODEL RESI COMPLEX
NAWADA BIHAR05-2010
Skills
- International trade regulations
- Trade Finance Document Scrutiny
- Letters of Credit
- Documentary Collection
- Bank Guarantee
- Forex Transactions
- IDPMS
- EDPMS
- UCP 600
- URDG 758
- MERCHANTING TRADE
- OUTWARD REMITTANCES
Accomplishments
- Got Best Employee of the Year Star in Year 2023.
- Lead too many special processing drive .
- Got Appreciation Mail from customers for processing transaction within TAT.
Languages
English
Intermediate (B1)
Hindi
Bilingual or Proficient (C2)
Certification
- Certified in Foreign Exchange Operations by IIBF
- Certified in International Trade Finance by IIBF
- Certificate of Participation in 5 Day FEDAI Training.
Timeline
TRADE FINANCE AUTHORIZER
HDFC BANK LTD
09.2025 - Current
TRADE DESK OPERATIONS MANAGER
INDUSIND BANK
11.2022 - 09.2025
Customer Service Manager
ICICI BANK LTD
09.2020 - 10.2022
POST GRADUATE DIPLOMA IN BANKING - Banking And Finance
MANIPAL ACADEMY OF HIGHER EDUCATION
B.COM(H) - COMMERCE
UNIVERSITY OF DELHI
INTERMEDIATE - COMMERCE
COLLEGE OF COMMERCE
MATRICULATION - BASIS
GYAN BHARTI MODEL RESI COMPLEX