Raji Joshi
Team Lead - Assistant Vice President
Mumbai,MH
Summary
Experienced and proactive professional known for productivity and efficiency in task completion. Specialized in relationship building, strategic planning, and contract negotiation to foster profitable partnerships. Demonstrates strong analytical, communication, and teamwork skills, with proven ability to quickly adapt to new environments. Eager to contribute to team success and further develop professional skills. Brings positive attitude and commitment to continuous learning and growth.
Overview
9
9
years of professional experience
Work History
Team Lead - Ecosystem Partnerships & Platforms
DBS Bank India Limited
Mumbai, Maharashtra
02.2023 - Current
- Responsible for the bank’s corporate strategic alliances and partnerships and generated multiple business avenues of the bank with an asset book of INR 500 crs; a liability book of INR 400 crs and acquired over 350 SME customers for the bank.
- Managed end-to-end partner on boarding and digital journey go-live activities within stipulated timelines by liaising with various stakeholders from the partner team and internal teams such as Business Policy, Product structuring and Control units, Digital implementation team, Operations, and Singapore region team.
- Ensured continuous engagement with 10+ partners to understand and facilitate the identification of various business use cases and identified optimization opportunities in the acquisition and processing funnels. Led strategic planning of partner engagement programs after data analysis and research to ensure value exchange is on both sides of business and technology. Additionally, engagements involved locating of bottlenecks to streamline existing processes of loan booking
- Monitored market trends to identify untapped market gaps where partnerships would prove crucial and structured value propositions in Supply chain financing business vertical and SME business vertical aligning to faster scale up in customer acquisition
- People manager and currently leading a team of 3 professionals to drive the strategic partnerships business. Interviewed, recruited and trained new on boarded candidates.
Credit Analyst
DBS Bank India Limited
Mumbai, Maharashtra
02.2021 - 02.2023
- To drive business and credit underwriting of all Supply Chain Financing Proposition specifically TReDS and industry factoring and scale up the business and product proposition within all business, global transaction business unit and risk stakeholders
- Enabled product proposition E2E internally and contributed to the generation of loan assets of INR 500 crs
- Successfully managed Treds product and on boarded 8 anchors under the product with an average asset of INR 180 crs
- Participated in loan committee meetings to provide input on lending processes.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Improved understanding of financial statements, which helped in assessing risk.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
Relationship Manager - Institutional Banking Group
DBS Bank India Limited
Mumbai, Maharashtra
10.2019 - 02.2021
- Core responsibility of managing a portfolio of medium-sized enterprises, having a turnover of INR 2,000.0 million to INR 10,000.0 million, in various industries.
- Lending to companies with working capital exposure of INR 500M to INR 1000M, along with credit appraisal of mid-sized companies across diversified sectors.
- Develop and maintain a portfolio of existing and target clients, and maximize relationship revenues within acceptable risk parameters.
- Enhanced the existing book by onboarding 4 new companies to the bank, with an exposure of INR 250M.
- Involved in negotiations with Promoters, CFOs, and Senior finance managers of clients to ensure closure of deals.
Relationship Manager - Small & Medium Enterprises
ICICI Bank Limited
Mumbai, Maharashtra
05.2016 - 08.2019
- Core responsibility of managing a portfolio of medium-sized enterprises, with a turnover of INR 1,000M to INR 3,000M, in various industries.
- Lending to companies with working capital exposure of INR 200M to INR 500M, along with credit appraisal of mid-sized companies across diversified sectors.
- Develop and maintain a portfolio of existing and target clients of INR 3,500M, and maximize relationship revenues within acceptable risk parameters.
- Enhanced the existing book by onboarding 3 new companies to the bank, with an exposure of INR 500M.
- Use of financial risk knowledge and knowledge of various bank products, such as for deal structuring, and implementing them in working capital, term loans, and project finance.
- Formulated and executed a business plan, as agreed with superiors, to achieve the agreed strategy and performance targets.
Education
M.B.A. - Finance
Symbiosis Instititute of Business Management, Pune
India04-2016
B.B.A. - Corporate Management, Accounts & Finance
Symbiosis Centre For Management Studies, Pune
India04-2014
XII - Commerce
Our Own English High School
Dubai, UAE04-2011
X - General
Our Own English High School
Dubai, UAE04-2009
Skills
- Process Improvement
- Partnership Development
- Stakeholder Management
- Process Development
- Customer Engagement
- Growth Strategies
Projects Undertaken - S.I.B.M - Pune : November 2015-February 2016
Project Title: Is India ready for a cashless economy
- Objective to understand and suggest measures to promote cashless economy
- Established the dimensions of financial inclusion in terms of both access and usage
- Analyzing and suggesting technological and regulatory norms in India for a better cashless system
Projects Undertaken - ICICI Bank Ltd : April 2015- May 2015
Title: Corporate Intern
- To assess and suggest suitable financial parameters specific for a given industry,
- Recommendation of 13 financial parameters for industries having maximum exposure,
- Preparation of credit rating scale for the above parameters for practical application,
- Analysis of financial data of top companies in each industry using the suggested parameters
Projects undertaken - Medi Assist TPA Pvt. Ltd: April 2013-June 2013
Title: Corporate Intern
- Determined the standard time & forecasted work volumes for each activity
- Prepared a project charter which included work breakdown structure, scheduling & monitoring
- Implemented statistical sampling, analytics and reporting techniques to validate study
- Provided recommendations based on observations and findings to improve workforce productivity and efficiency
- Gained first-hand experience in workforce productivity improvement and project management
Projects Undertaken - Al Noor Training center for children with Special Needs : April 2012-March 2012
Title: NGO Intern
- Associated with administrative department responsible for allocation & management of funds
- Assisted the teaching staff of the organization in managing differently abled students
- Volunteered for organizing social events for students aimed at making them feel independent
- Implemented management principles like stability of tenure of personnel and equity in the organization
Accomplishments
- Nominated successfully among 100 employees for 3 years as High Potential Employee program, DBS Bank India Limited, 2021-2024
- Certificate of Appreciation for outstanding performance, Executive Director - Vijay Chandok, ICICI Bank, Q1-FY2019
- Completed "Basics of Credit Appraisal" programme, ICICI Bank Ltd & CRISIL, June-2016
- Published research "The impact of GST on fiscal deficit decoded", IISN 2437-3177, SIBM-Pune, 2014-15
- 2nd position, Dalal street, Our Own English High School, Dubai, 2010-11
- Completed 8 levels, ABACUS Computation Proficiency Examination, The Malaysia Book of Records, 2008
Languages
Hindi
First Language
English
Proficient (C2)
C2
Arabic
Upper Intermediate (B2)
B2
French
Elementary (A2)
A2
Timeline
Team Lead - Ecosystem Partnerships & Platforms
DBS Bank India Limited
02.2023 - Current
Credit Analyst
DBS Bank India Limited
02.2021 - 02.2023
Relationship Manager - Institutional Banking Group
DBS Bank India Limited
10.2019 - 02.2021
Relationship Manager - Small & Medium Enterprises
ICICI Bank Limited
05.2016 - 08.2019
M.B.A. - Finance
Symbiosis Instititute of Business Management, Pune
B.B.A. - Corporate Management, Accounts & Finance
Symbiosis Centre For Management Studies, Pune
XII - Commerce
Our Own English High School
X - General
Our Own English High School
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