Ragini Wagh

Spearheaded sales initiatives in healthcare finance for wholesale banking products including equipment financing, mortgage financing, working capital financing, and project financing.

• Business Development: Coordinating with internal teams, client onboarding, KYC and documentation, credit approvals, and disbursal. Managing a portfolio of INR 100 crore, with an average ticket size of INR 10 crore.
• Performed first-level assessments on proposals, supported by thorough financial analysis. Developed Credit Appraisal Memos (CAM) featuring in-depth evaluations of business operations and loan feasibility.
• Stakeholder Management: Managed and resolved financing requirements for HNW clients at CXO levels. Received the 'Customer Smile Award' based on client recommendations for exceptional service.
• Client Service: Streamlined management of client queries and escalations, enhancing customer relationship quality. Collaborated with clients on compliance resolutions and effective management control processes.
• Documentation and Compliance: Executed loan disbursement documentation with meticulous attention to detail and adherence to HDFC compliance.

• Co-founded Woodentrails, an innovative furniture start-up specializing in space-saving designs.
• Developed a catalog of over 300 designs valued at more than 60 lakhs. Executed sales through online platforms and social media channels.

• Oversaw end-to-end customer acquisition through DSA channels while coordinating documentation and disbursal with the credit team.
• Client Service: Cultivated customer relationships to identify cross-selling opportunities. Developed and maintained a tracker for alerting clients about minimum balance requirements before EMI due dates. Nurtured relationships with multiple direct sales associations to enhance loan product promotion.