Pavan Trivedi
Mumbai
Summary
Finance professional with PGDM from TAPMI Manipal and extensive experience in financial products. Currently serves as Area Business Manager at Kotak Mahindra Bank, leading the SME-Lending Team in Mumbai. Expertise in selling SME lending products, conducting credit analysis, and assessing risk in wholesale trade finance. Proven ability to drive business growth and enhance operational efficiency through strategic planning and effective leadership.
Overview
12
12
years of professional experience
Work History
Deputy Vice President - Area Business Manager-SME
Kotak Mahindra Bank
Mumbai
04.2022 - Current
- Managed team of 6 Acquisition RMs to source SME clients with turnover between 50 crore and 1,000 crore.
- Oversaw operations across 75 branches from Virar to Nariman Point, enhancing business sourcing capabilities.
- Established client franchise with nearly 1,000 crore in disbursed limits since 2022, achieving zero delinquency.
- Built networks by maintaining relationships with CEOs, CFOs, CAs, and DSAs to enhance client acquisition.
- Analyzed customer requirements and business cycles to deliver tailored solutions and competitive offers.
- Evaluated client business models to identify credit processing risks while negotiating favorable deal structures.
- Ensured compliance with internal policies and RBI regulations for all operational activities.
- Collaborated with executive partners to set long-term goals and develop effective company strategies.
Regional Head Sales – SME
ICICI Bank Ltd.
11.2020 - 03.2022
- Managed team of Solution Managers to source clients with 25 crore to 250 crore turnover in SME sector.
- Maintained operational effectiveness in converting sourced business opportunities.
- Liaised with channel partners to enhance business sourcing and collaboration.
Solutions Manager – SME
ICICI Bank Ltd.
11.2016 - 11.2020
- Sourced clients for SME segment through internal and external channels.
- Ensured stable income from existing clients while exploring new income generation avenues.
- Conducted credit assessments and prepared credit proposals for SME segment in Ahmedabad and Mumbai.
- Managed trade finance operations and general blog for cash management services.
Trade Relationship Manager
Kotak Mahindra Bank Ltd.
09.2015 - 10.2016
- Activated and managed existing Key Trade and current account relationships for trade and forex revenue.
- Acquired and serviced new trade finance and forex clients from SME and corporate segments.
- Cross-sold trade and forex products, including PCFC, Buyer’s Credit, FCTL/FCDL, Forwards, and Options.
Preferred Relationship Manager
HDFC Bank Ltd.
07.2014 - 09.2015
- Sourcing, Servicing and Managing an AUM of High-Net-Worth client portfolio
- Sourcing of SME/MSME client for current accounts and other loan products
- Achieving income targets from the portfolio by products spread across Liabilities, Retail Assets, Business Banking, FOREX, Credit Cards, Online trading accounts etc
- Giving presentation to the Corporate Clients on various Financial Products and providing Tax and Investment Advisory Services
Business Analyst (Management Trainee) – Marketing
SBI Life Insurance Co. Ltd.
05.2013 - 07.2014
- Provided analytical support to Regional Manager-Bancassurance Gujarat for sales enhancement.
- Conducted field research through visits to assess partner and distributor needs.
- Improved coordination between sales and operations departments to streamline Bancassurance processes.
Education
PGDM - Marketing And Finance
T. A. Pai Management Institute
Manipal03-2013
B. Pharma -
Sardar Patel University
Anand, Gujarat06-2010
HSC -
Diwan Ballubhai School
Ahmedabad04-2006
SSC -
Diwan Ballubhai School
Ahmedabad04-2004
Skills
- Effective communication
- Team leadership
- Growth mindset
- Channel management
- Problem solving
- Customer solutions
- Regulatory compliance
- Risk assessment
- Negotiation strategies
- CRM expertise
- Credit evaluation
- Financial analysis
- Network development
Native
Ahmedabad, Gujarat
Personal Information
- Hobbies: Swimming, Reading articles on economics and stock market, Gadgets
- Date of Birth: 11/07/88
Languages
Gujarati
First Language
Hindi
Proficient (C2)
C2
English
Proficient (C2)
C2
Marathi
Elementary (A2)
A2
Timeline
Deputy Vice President - Area Business Manager-SME
Kotak Mahindra Bank
04.2022 - Current
Regional Head Sales – SME
ICICI Bank Ltd.
11.2020 - 03.2022
Solutions Manager – SME
ICICI Bank Ltd.
11.2016 - 11.2020
Trade Relationship Manager
Kotak Mahindra Bank Ltd.
09.2015 - 10.2016
Preferred Relationship Manager
HDFC Bank Ltd.
07.2014 - 09.2015
Business Analyst (Management Trainee) – Marketing
SBI Life Insurance Co. Ltd.
05.2013 - 07.2014
PGDM - Marketing And Finance
T. A. Pai Management Institute
B. Pharma -
Sardar Patel University
HSC -
Diwan Ballubhai School
SSC -
Diwan Ballubhai School
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