Lalit Vanji Mahajan

Accountabilities

• Managing 250 Clientele Portfolio with FB+NFB book of 950 Cr and Liability book of 350 Cr.
• Expand the SME business through Branch Network and Liability Channel.
• Currently handling team of Relationship Managers who are looking after operations of the clients, preparing the proposals for NTB, Renewal and Enhancement including timely closure of deferrals, monitoring DPDs and proper follow up with the clients.
• Conducting fortnightly meetings with Regional Heads to discuss Branch Banking strategies for SME Business.
• Conducting training sessions across Branch Channel, Wealth Partners and other Liability Channels to give insight on various products and services available for SME customers.
• Ensuring revenue growth and improving RAROC through cross-selling banking and non-banking products.
• Regular interactions with BIU and Product team to improve product/service features and compatibility for ensuring ease in customer service.

Key Achievements

• 100% RM activation on asset, cross sell and liability business for 2 consecutive years.
• Received Reward of Excellence for mobilizing fresh Term Deposit of 225 Cr in FY 25.
• Ranked 3rd in West 1 Geography and 50th across segment.
• Improvement in Relationship RAROC from 9.78% to 13.16%.
• Won the Cross Sell contest for 2 consecutive years.

Accountabilities

• Acquiring Emerging Corporate Relationships (Turnover 500cr-1500 Cr) for Fund Based and Non-Fund Based and managing a portfolio of 40 credit relationships and to provide quality service.
• Analyzing the balance sheets and financial statements of the companies, preparation of credit proposals, financial analysis and risk rating of customers and presentation of cases in the sanctioning forum.
• Preparation of loan proposals of CC, OD, Pre/Post Shipment, LC, BG and other working capital for existing and new clients
• Responsible for ensuring all pre-disbursement conditions are met for the disbursement of the loan facilities
• Monitoring DPD and following up for recovery of delinquent account
• Providing financial solutions to the Priority customers and ensure value-added services. Successfully increasing the liabilities side of relationship via balances in accounts of existing customers
• Responsible for deepening the existing relationships by cross selling of the bank's services, investment product, treasury products, insurance, salary accounts.
• Ascertained the coordination with Operations and Credit team members and ensured that the case gets disbursed within TAT (since Login to disbursement of an approved case)

Achievements

• Onboarded 15 new customers to the bank, achieving a total disbursement of Rs. 124 Cr for FY 2022.
• Enhanced overall portfolio RAROC to 22.15% by managing 41 customer accounts.
• Secured 11th rank across India for 2022 with exceptional results.
• Achieved budget targets and activated branches in 2021 and 2022.
• Achieved recognition in Cross Sell contest for consecutive years 2021 and 2022.

Accountabilities

• Generated new business and concentrated on increasing book growth through NTB and enhancements.
• Focused on expanding the liability book by sourcing liability accounts via trade transactions.
• Reviewed and renewed proposals while maintaining hygiene control and ensured zero delinquency in sourced accounts.
• Prepared CAM notes and presented cases to the committee.
• Facilitated timely disbursement of limits by liaising with Risk, CAD, Account Opening Team, Lawyers & Valuers.

Achievements

• Collaborated with Product team to create Excel-based CAM formats for exposures up to INR 5 Cr.
• Exceeded annual benchmarks for revenue and cross-selling in 2019 and 2020.
• Achieved highest appraisal rating consecutively in March 2018 and 2019.
• Achieved qualification for the 2020 Insurance Contest.
• Recognized by Business & Credit Head as top portfolio manager in MMR Region for 2018.

Accountabilities

• Recognized businesses seeking equity and debt solutions.
• Created detailed information memorandums for potential investors.
• Facilitated debt syndication proposals by engaging with private banks, NBFCs, venture funds, and private funds.

• Accountabilities
• Executed public issue and debt syndication deals, securing over INR 450 Crs in funding.
• Drafted and presented proposals to banks, NBFCs, venture funds, and PE funds.
• Ensured compliance with SEBI guidelines for primary market activities such as IPOs, FPOs, and rights issues.
• Managed post-issue activities with stock exchanges.

• Accountabilities
• Merchant Banking and IPO Syndication
• Drafting of Prospectus, Liaosining with SEBI and ensuring appointment as Syndicate/Sub-Syndicate Member.
• Execution of Syndicate Agreement, preparing distribution schedule and dissemination of bid forms.
• Managing the payouts to the Sub Syndicate members and Co-ordination with Banks