Pooja C
Bengaluru
Summary
Experienced banking and financial services professional with 15 years of expertise in operations management, client relations, and strategic planning within retail and corporate banking. Demonstrated success in driving growth and optimizing financial performance. Recently transitioned into entrepreneurship, successfully establishing a business that highlights strong leadership, adaptability, and innovation. Committed to achieving results and fostering sustainable success in dynamic environments.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Director
Niocapital
Bengaluru
07.2023 - 08.2024
- launched a fintech startup specializing in Purchase Order (PO) financing, addressing liquidity challenges for small and medium-sized businesses (SMEs).
- Developed a scalable business model and implemented automated workflows to streamline financing approvals, reducing turnaround time by 30%.
- Led product development, market analysis, and go-to-market strategies, resulting in a successful rollout and acquisition of clients within the first year.
- Established robust risk assessment and credit evaluation frameworks to minimize default risks while maintaining competitive service offerings.
- Collaborated with cross-functional teams, including technology and compliance, to build a secure and compliant digital platform for seamless client onboarding.
- Cultivated strategic partnerships with banks and financial institutions, ensuring a steady pipeline of funding resources for clients.
- Demonstrated exceptional problem-solving skills by navigating challenges such as regulatory requirements, cash flow management, and market competition.
Associate Director - Compulsive Business
Cashfree Payments Pvt. Ltd.
Bengaluru
04.2022 - 06.2023
- Working in the Enterprise Business Team, responsible for bringing in new enterprise accounts and managing the existing portfolio as their Key Account Manager.
- Managing an account portfolio of over 100 crores monthly and delivering month-on-month net revenue growth of 10% on existing business while adding new businesses to the portfolio with over 80% target achievement month-on-month.
- Secured high-value accounts through consultative selling, effective customer solutions, building relationships, and promoting compelling business opportunities. Additionally, elevated existing strategies to unlock new business sectors and improve reach.
- Worked with product managers and relevant cross-functional teams across different banks and fintech companies to explore synergies for our partners to manage their business transactions efficiently. Collaborated with cross-functional teams, including marketing, product development, and customer success, to align sales efforts with overall company goals and strategies.
- Developed proposals and presentations for internal and external audiences, and curated the best payment solutions around their business needs. Fostered lasting relationships with customers through effective communication and quick response, resulting in long-term loyalty and an expanded client base. Responsible for scaling up the referral and repeat business.
- Perfected the use of tools like Salesforce in customer relationship management, and LinkedIn Sales Navigator for targeting key accounts.
Relationship Manager- Assistant Vice President
YES BANK Ltd.
Bengaluru
12.2015 - 10.2021
- Worked with central and state government organizations and departments to facilitate end to end customized solution
- Managed portfolio of INR 1500 Cr of Liability and INR 1800 Cr of total asset book
- Ensuring the achievement of the revenue targets maximizing the overall new to bank acquisitions with high quality sales and service
- Supported end-to-end credit management process submitted complete loan documentation and supported credit originations for credit compliance
- Accountable for structuring of Transaction Banking and Fiduciary Accounts like API Banking, UPI, Nodal/Escrow accounts, Payment Gateway etc
- Designing customized solutions like AEPS/ENACH/IPG for Govt Customers
Relationship Manager
HDFC Bank
Bangalore
08.2014 - 11.2015
- Handling the Preferred portfolio comprising of HNI clients
- Expertise in dealing in Working Capital funding, Loan against securities, Loan against properties, Overdraft limits, Trade and forex services, wealth management, Home Loans, Business loans, etc
- Handling a relationship size of 100+ Cr
- Handled Liability book of clients which included acquisition and deepening the relationship by enhancing customer profitability and cross sell
- Day-to-day activities include liaising with various departments for sales and service related aspects for both Current and Savings account customers
Business Process Lead - Middle Office
TCS
Chennai
06.2013 - 05.2014
- Coordinating between settlements and bookings team to understand and identify problem areas pertaining to trade; resolving trade settlement issues & providing operational support related to general prime brokerage
- Help identify areas to improve client service and implement the process identified
- Help settle the trades before the settlement date by resolving the problem due to which the trade is unable to settle
- Managing and rectifying client issues, identifying areas of improvement in client servicing and implementing the process identified to enhance client satisfaction
- Maintaining high discipline and breaking adherence, coordinating with team members & managers for cross innovative suggestions; spearheading entire brokerage operations
Senior Executive - Customer Relationship Mgmt
Puravankara
Bangalore
01.2013 - 06.2013
- Spearheaded entire negotiation processes, consulted with the clients on market conditions, prices, mortgages, legal requirements and related matters to their benefit and ensured a fair and honest dealing; provided end-to-end client service from booking & purchase stage to possession of the apartment
- Interacted and answered to client queries on daily basis; gave detailed information relating to project status, accounts information, registration process and so on, managed payments collection targets
- Coordinated with Site Engineers in relation to project snags as reported by clients; ensured regular follow- up through e-mail / telephone on the status of project completion and intimated clients accordingly
- Prepared all possession related documents and coordinated with Legal Dept
- For registration formalities
Data Analyst - Operations Control Mgmt
ING Vysya Bank Ltd
Bangalore
01.2010 - 03.2012
- Identified areas that required frequent / regular monitoring of critical operations and established checks and control on high risk areas identified in relation to retail banking process
- Deployed and formulated tools for monitoring short-term manual control to mitigate risk and provided long-term solutions for automated control; reviewed all critical items such as MOR, Suspense Package, & Audit Reports
- Maintained control reports for submission to Audit Committee Board and Executive Management Committee and managed submission of reports on monthly and quarterly basis to Reserve Bank of India
- Submitted monthly and quarterly provision requirement to finance department; recommended and suggested any corrective action required to regularize / rectify anomalies associated with the process
- Executed user-acceptance test identified system change and raised client request
Management Trainee
Steria India Ltd
Chennai
01.2009 - 12.2009
- Innovation & Global Strategic Account Management, Managed top clients, performed secondary research to provide solutions to the client & support internal team
- Conducted industry analysis on Retail sector; studied and analyzed high-level business requirements and identified opportunities to offer new solutions to clients
- Managing innovation and brainstorming sessions across a wide range of industries and sectors
Education
Post Graduate Diploma - Business Management, Marketing
Bharathidasan Institute Of Management
12.2008
Bachelor of Commerce -
Jyoti Nivas College
Bengaluru06.2007
Skills
- Team collaboration and leadership
- Client Relationship Management
- Strategic planning
- Partnerships and alliances
Certification
- AMFI Certified
- Business Analyst course
Languages
English
First Language
Hindi
Proficient (C2)
C2
Kannada
Intermediate (B1)
B1
Tamil
Elementary (A2)
A2
Telugu
Proficient (C2)
C2
Timeline
Director
Niocapital
07.2023 - 08.2024
Associate Director - Compulsive Business
Cashfree Payments Pvt. Ltd.
04.2022 - 06.2023
Relationship Manager- Assistant Vice President
YES BANK Ltd.
12.2015 - 10.2021
Relationship Manager
HDFC Bank
08.2014 - 11.2015
Business Process Lead - Middle Office
TCS
06.2013 - 05.2014
Senior Executive - Customer Relationship Mgmt
Puravankara
01.2013 - 06.2013
Data Analyst - Operations Control Mgmt
ING Vysya Bank Ltd
01.2010 - 03.2012
Management Trainee
Steria India Ltd
01.2009 - 12.2009
Post Graduate Diploma - Business Management, Marketing
Bharathidasan Institute Of Management
Bachelor of Commerce -
Jyoti Nivas College
Similar Profiles
VIDYA SAGARVIDYA SAGAR
Software Engineering Technical Leader at CiscoSoftware Engineering Technical Leader at Cisco
MITHUN G MMITHUN G M
Senior Logistics Specialist at Allyn InternationalSenior Logistics Specialist at Allyn International
UshaRani BoniUshaRani Boni
Build and Release Manager at HarmanBuild and Release Manager at Harman
SOMNATH BANERJEESOMNATH BANERJEE
Senior Analyst - Product Designer (AI/ML Team) at Dell TechnologiesSenior Analyst - Product Designer (AI/ML Team) at Dell Technologies
Jo GayJo Gay
Director at Urbane Sojourners LimitedDirector at Urbane Sojourners Limited