RAJESHWARI N N
Associate (Manager)
Bangalore
Summary
Accomplished Trade Finance professional with extensive experience in managing the issuance and administration of Letters of Credit (LCs) and Bank Guarantees in compliance with international rules (UCP 600, URDG 758, ISBP) and local regulatory frameworks (FEMA, RBI). Proven expertise in client liability management, risk control, and regulatory compliance, with a strong track record of delivering accurate and timely trade finance solutions. Skilled in stakeholder management, system oversight, and governance, with the ability to lead teams, streamline processes, and provide advisory support to corporate clients. Adept at ensuring operational excellence while maintaining the highest standards of compliance and service delivery.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Lead
Societe Generale Global Solution Centre Pvt Ltd
11.2025 - Current
- Manage issuance of performance, financial, bid bond, and advance payment guarantees in compliance with URDG 758 and local regulatory requirements.
- Review applications, guarantee texts, and underlying contracts for accuracy and compliance.
- Authorize issuance, amendments, cancellations, and claims processing for guarantees.
- Ensure liability blocking and proper utilization of client credit lines in trade finance systems.
- Track expiry/renewal schedules and manage claims in accordance with guarantee terms.
- Ensure adherence to regulatory frameworks (RBI, FEMA, AML/KYC, sanctions).
- Implement maker-checker controls to minimize operational risks.
- Monitor client liability blocking and contingent exposures in trade finance systems.
Associate (Manager)
Deutsche India Pvt Ltd
Bangalore
12.2015 - 08.2024
- Manage end-to-end issuance of Import and Export Letters of Credit in compliance with UCP 600, ISBP, and bank policies.
- Review applications, supporting documents, and credit approvals before releasing LCs.
- Authorize LC transmissions via SWIFT (MT700/701) ensuring accuracy and compliance.
- Handle LC amendments, cancellations, and discrepancy resolutions.
- Oversee export bills negotiation and discounting under LC, DA/DP, and open account transactions.
- Assess credit risk, pricing, and discounting terms in line with bank's credit policies.
- Coordinate with treasury for funding, FX conversion, and rate fixation.
- Ensure timely realization of export proceeds and proper settlement to exporters.
- Manage import and export bill settlements, ensuring compliance with FEMA, RBI, and AML/KYC guidelines.
- Oversee payment processing for accepted bills, collections, and reimbursements.
- Monitor due dates, maturity schedules, and limit utilizations to ensure timely settlements.
- Manage end-to-end processing of import and export documentary collections (DP/DA) in compliance with ICC URC 522.
- Review collection instructions, documents, and payment/acceptance terms before release.
- Ensure timely presentation of export documents to collecting/issuing banks.
- Oversee import collections handling, including client intimation, acceptance tracking, and payment settlement.
- Monitor maturity schedules for DA bills and ensure prompt follow-up with clients for payment.
- Liaise with correspondent banks to resolve discrepancies, delays, or rejection of documents.
- Manage issuance of performance, financial, bid bond, and advance payment guarantees in compliance with URDG 758 and local regulatory requirements.
- Review applications, guarantee texts, and underlying contracts for accuracy and compliance.
- Authorize issuance, amendments, cancellations, and claims processing for guarantees.
- Ensure liability blocking and proper utilization of client credit lines in trade finance systems.
- Track expiry/renewal schedules and manage claims in accordance with guarantee terms.
- Ensure adherence to regulatory frameworks (RBI, FEMA, AML/KYC, sanctions).
- Implement maker-checker controls to minimize operational risks.
- Monitor client liability blocking and contingent exposures in trade finance systems.
- Handle internal/external audits, ensuring zero non-compliance findings.
- Act as a key contact for corporate clients on LC issuance, export financing, and settlements.
- Provide advisory support on structuring trade products to meet business and contractual needs.
- Liaise with relationship managers, credit, treasury, and legal for smooth transaction processing.
- Lead and mentor a team of trade finance professionals, ensuring SLA/TAT adherence.
- Prepare and present MIS, dashboards, and audit reports covering LCs, export bills, and settlements.
- Drive continuous process improvements and automation initiatives in trade finance systems.
- Recipient of the Quality Star Award (2017, 2019): Acknowledged for consistently maintaining high standards in process quality and service delivery within trade finance.
- Successfully managed issuance, ensuring 100% compliance with UCP 600.
- Increased export bill discounting volumes by 20%, supporting exporters with timely liquidity and strengthening client relationships.
- Reduced settlement turnaround time by 25% through process streamlining and system automation.
- Successfully managed collections and guarantees, ensuring 100% compliance with URC 522, URDG 758.
- Reduced documentary collection turnaround time by 25% by streamlining document flow and automating maturity tracking.
- Maintained zero regulatory breaches across RBI/FEMA audits for multiple consecutive years.
- Improved operational accuracy by 30% by reinforcing maker-checker controls and staff training.
- Spearheaded enhancements in the Trade Finance system to automate liability blocking, discounting workflows, and settlement tracking.
- Developed real-time MIS dashboards that improved management oversight of outstanding exposures, overdue bills, and settlement pipelines.
- Recognized by senior management for exemplary client service and proactive risk mitigation in high-value trade transactions.
Education
B.Com - undefined
ASC Degree College
Skills
- Communication
- Problem-solving
- Adaptability
- Leadership Skills
- Interpersonal Skills
- Trade Finance
- Letter of Credit
- SWIFT
- Reconciliation
- Data Analysis
- SLA Reporting
- Risk Management
- Compliance
- Audit Trail
- Process Improvement
- LC Issuance (Import & Export)
- Liability Blocking
- Trade Finance Systems
- Client & Stakeholder Management
- Training & Performance Oversight
- Documentary Collections
- Bank Guarantees
Certification
Certified IT Business Analyst (IIBAEEP Endorsed)
Accomplishments
- Best Performer, 2022, Recognized for exceptional contributions to operational efficiency in trade finance operations.
- Quality Star Award
- 2017
- 2019
- Acknowledged for consistently maintaining high standards in process quality and service delivery within trade finance.
Languages
English
Telugu
Kannada
Timeline
Lead
Societe Generale Global Solution Centre Pvt Ltd
11.2025 - Current
Associate (Manager)
Deutsche India Pvt Ltd
12.2015 - 08.2024
B.Com - undefined
ASC Degree College