Nirmalya Bhattacharjee
Naihati
Summary
Results-driven Trade Finance Specialist with 12.6 years of experience in trade services. Expert in managing Letters of Credit, Bank Guarantees, remittances & other trade products while ensuring compliance and optimizing transactions. Strong analytical skills complement a focus on client relationships and effective document verification.
Overview
5
5
Certification
13
13
years of professional experience
Work History
Senior Manager & Trade Finance Specialist
YES BANK LTD
09.2022 - Current
- Coordinated with customers, bank departments, and regulatory authorities to streamline transaction processing.
- Ensure compliance for each and every trade transactions being handled and processed.
- Ensured audit and compliance for scrutinizing and processing inland and import bills under LC and collection.
- Handling and scrutinizing requests for issuance of Letters of Credit (Domestic and Foreign)
- Handling and preparation of Bank Guarantees (Domestic and Foreign)
- Implementing procedures and service standards for service excellence.
- Regularized and closed outstanding and overdue EDPMS and IDPMS cases while monitoring compliance.
- Processing of Inward & Outward remittances.
- Provided guidance and support to trade customers by coordinating with various bank branches.
Deputy Manager, Trade Finance Services
AXIS BANK LTD
Kolkata
09.2021 - 09.2022
- Ensured compliance for all processed trade transactions through rigorous oversight.
- Conducted audits and compliance checks for inland and import bills under letters of credit and collection.
- Scrutinized inward and outward remittances to facilitate timely processing.
- Managed requests for issuance of domestic and foreign letters of credit efficiently.
- Executed regularization of overdue pendency's and closure activities via direct engagement with clients.
Deputy Manager, Corporate Trade Finance
YES BANK LTD
Kolkata
03.2015 - 09.2021
- Ensure compliance for each and every Trade transaction being handled processed.
- Responsible for ensuring audit and compliance for processing of Inland & Import bills, Bill of entries, Import & Non-Import remittances (Corporate).
- Handling and scrutinizing requests for issuance of Letters of Credits (Domestic and Foreign)
- Handling and preparation of Bank Guarantees (Domestic and Foreign)
- Coordinating with various branches for advising Trade customers.
Forex Executive
MUTHOOT FOREX LTD
Kolkata
10.2013 - 02.2015
- Achieved business targets for branches across multiple parameters for Forex products.
- Expanded clientele base and deepened existing relationships to drive Forex growth.
- Deepening existing relationship and playing a pivotal role in harnessing Forex business from all segments.
- Developing new relationships and broadening clientele.
- Achievement of cross selling products.
- Developed partnerships with business departments to optimize Forex operations.
- Maintaining satisfactory professional relationship with the Regional Head and coordinating with the Manager, Corporate Office.
- Ensured compliance with RBI/FEMA guidelines and internal procedures.
Education
MBA - Finance
University of Kalyani
West Bengal08-2013
Bachelor of Commerce - Accounting & Finance - Hons
Barrackpore Rastraguru Surendranath College
Barrackpore, West Bengal07-2011
Indian School Certificate (ISC) - Commerce
Don Bosco School
Bandel05-2008
Indian Certificate of Secondary Education (ICSE) -
Don Bosco School
Bandel05-2006
Skills
- Trade Finance Solutions
- Trade finance systems
- Corporate Banking Systems
- Finacle
- Intellect
- Digital Banking Tools
- Document Verification
- MS Office Suite
- MS Windows
Certification
- JAIIB (Junior Associate of the Indian Institute of Banking & Finance) with 53% marks.
- Certificate Examination in Trade Finance with 74% marks.
- Certificate Examination in KYC & AML with 70% marks.
- Certificate Examination in Foreign Exchange Operations with 54% marks.
- Certificate Examination in Digital Banking with 63% marks.
- Attended Training/Workshop for 1 week on Trade Finance, FEDAI.
Academic Internship
Oil and Natural Gas Corporation, MBA (Mahanadi, Bengal & Andaman) Basin, Kolkata, 2 months, Budget and Budgetary Control for ONGC, MBA Basin, Kolkata, To study and analyze the present budgeting procedures carried out in MBA Basin, Kolkata, identifying the strengths and weaknesses of the present system and suggest remedial measures for improvement.
Personal Information
Date of Birth: 16th January, 1990.
Awards
- Received a Gold Medal for securing the first position in the Business Standard Inter B-School Business Quiz.
- Received a certificate for participating in the National Seminar on Advancement in Management and related issues organized by the Department of Business Administration, University of Kalyani.
- Received a medal from the graduating college for securing First Class in Graduation.
- Received certificates and prizes from The Telegraph newspaper and Bournvita for winning and participating quiz contests respectively. Also received a number of prizes from various contests on TV, Internet and Radio.
- Received certificates and medals for winning inter house Carrom tournaments; inter school cultural activities like Mime, Clasethics and Theatrix.
- Received certificate for a Talent Search programme conducted by Brainware Business School regarding job prospects and soft skills.
Projects
A study on Cost of equity in Indian Banking Sector: An approach using CAPM, The assignment was undertaken to investigate the impact of financial crisis on Indian Banking Sector, finding out the differences of Cost of Equity between public, new private and old private Sector banks.
Languages
- English
- Hindi
- Bengali
Synopsis
- A MBA (Finance) professional with total work experience of 12.6 years in which 11 years have been in Trade Forex Operations.
- Presently associated with YES BANK LTD as Senior Manager & Trade Finance Specialist, Department - Trade Finance Operations & Service Delivery.
- Coordinating with customers and various departments of the Bank, regulatory authorities; implementing procedures and service standards for service excellence.
- Possess excellent interpersonal, communication, analytical, management, organizational skills with an ability to implement them in a productive manner.
Timeline
Senior Manager & Trade Finance Specialist
YES BANK LTD
09.2022 - Current
Deputy Manager, Trade Finance Services
AXIS BANK LTD
09.2021 - 09.2022
Deputy Manager, Corporate Trade Finance
YES BANK LTD
03.2015 - 09.2021
Forex Executive
MUTHOOT FOREX LTD
10.2013 - 02.2015
MBA - Finance
University of Kalyani
Bachelor of Commerce - Accounting & Finance - Hons
Barrackpore Rastraguru Surendranath College
Indian School Certificate (ISC) - Commerce
Don Bosco School
Indian Certificate of Secondary Education (ICSE) -
Don Bosco School