Raksha Karkera
Mumbai
Summary
Results-driven professional with expertise in loan syndication and supply chain finance. Experienced in ACBS loan processing and reconciliation, managing complex loan portfolios in the U.S., Brazil, and EMEA. Knowledgeable in global financial markets, GL accounting, and Nostro account reconciliation, with a focus on validating high-value transactions and ensuring compliance.
Overview
4
4
years of professional experience
Work History
Associate
Credit Agricole Corporate and Investment Bank
Mumbai
05.2022 - Current
- Executing over 12,000 loan events, including funding, paydown, rollovers, and fee processing.
- Processing and validating loans on various third party system like ACBS and ISIS, including full loan maintenance and all related events in the Syndicated Loans life cycle (funding, pay downs, rollovers, Rate Set, Conversions, Splits, Combines)
- Administered loan servicing for participation, agency, and supply chain finance on syndicated loans across U.S., Brazil, and EMEA regions.
- Reviewing Credit Agreements for compliance with affirmative & negative covenants related to drawdown, pay down, rollover, rate fixing, interest, fees, and other revenue/expenses.
- Tracked incoming funds and followed up with agents/clients regarding non-receipt of funds and claims for delayed payments.
- Managed nostro and past dues, reconciled daily P&L, suspense, and cleared discrepancies without accepting cent differences.
- Trained new joiners by sharing product knowledge and identifying errors to enhance accuracy.
Associate
JM Financial Services
Mumbai
09.2021 - 04.2022
- Managed account opening for bank, Demat, and NBFC loan accounts for HNI clients, ensuring compliance and client satisfaction.
- Reviewed bank and loan documents, including ICICI and HDFC forms, loans against shares, margin trading funding, and ESOP funding to ensure accuracy.
- Verified account opening documents to ensure compliance with KYC guidelines.
- Registered clients for MTF, IPO, and ESOP funding programs to facilitate investment opportunities.
- Resolved client and branch queries to enhance communication and service delivery.
Education
Bachelor of Commerce - Financial Accounting
Ghanshyam das Saraf College of Commerce and Arts
Mumbai01.2020
CS FOUNDATION -
The institute of Company secretaries of India
Mumbai06.2017
Higher Secondary Certificate -
Shankar Narayan college
Mumbai01.2017
Secondary School Certificate -
ST ALOYSIUS ENGLISH HIGH SCHOOL
Mumbai01.2015
Skills
- Loan syndication
- Foundation Knowledge of Power BI
- MS Office (Word, Excel, PowerPoint)
- Time Management and Organization
- Power BI knowledge
Accomplishments
• Sport Award, March 2024
Recognized for successful reconciliation of recurring and complicated breaks in Vostro report, clearing all the breaks on time and maintaining clean Vostro report.
• Gladiator Award, September 2024
Successfully migrated the SCF process and supported the team in Montreal, Canada.
• Champion Award (Q3), 2024
Provided end-to-end training on the Supply Chain Finance process for Project ERIE. Successfully managed validation during the Canada transition despite resource constraints ensuring zero errors or incidents for the quarter.
• Gladiator Award, September 2025
Demonstrated strong ownership in CLO-US operations by efficiently processing 168 loans, validating 214 rollovers, funding and paydowns with high accuracy and timely execution under tight deadlines.
• Gladiator Award, September 2025
Awarded for managing validation alongside training CASO members on conduits and Brazil portfolio, demonstrating strong accountability and constructive feedback to ensure a smooth and successful transition.
Recognized for successful reconciliation of recurring and complicated breaks in Vostro report, clearing all the breaks on time and maintaining clean Vostro report.
• Gladiator Award, September 2024
Successfully migrated the SCF process and supported the team in Montreal, Canada.
• Champion Award (Q3), 2024
Provided end-to-end training on the Supply Chain Finance process for Project ERIE. Successfully managed validation during the Canada transition despite resource constraints ensuring zero errors or incidents for the quarter.
• Gladiator Award, September 2025
Demonstrated strong ownership in CLO-US operations by efficiently processing 168 loans, validating 214 rollovers, funding and paydowns with high accuracy and timely execution under tight deadlines.
• Gladiator Award, September 2025
Awarded for managing validation alongside training CASO members on conduits and Brazil portfolio, demonstrating strong accountability and constructive feedback to ensure a smooth and successful transition.
Projects
- RSF ENGINE PROJECT, Credit Agricole, 2021, Collaborated with counterparty and technical teams to deploy an automated RSF engine for supply-Chain Finance deals, training support staff and ensuring ongoing knowledge transfer to offshore teams on process workflow.
- PROJECT ERIE CANADA, Credit Agricole, 2024, Credit Agricole's new operations platform in Canada is officially named Credit Agricole Services & Operations (CASO). This platform was established in 2024 in Montreal, Quebec, to enhance operational efficiency and support the growing business activities of Credit Agricole in the Americas region. Conducting training sessions program to onboard new team members and enhance process accuracy. Additional Participating in IT and process enhancements projects by performing users Acceptance Test (UAT) and liaising with the IT and project team for completion of the project.
Languages
- Hindi
- Tulu
- Marathi
- English
- Hindi
- Tulu
- Marathi
Timeline
Associate
Credit Agricole Corporate and Investment Bank
05.2022 - Current
Associate
JM Financial Services
09.2021 - 04.2022
Bachelor of Commerce - Financial Accounting
Ghanshyam das Saraf College of Commerce and Arts
CS FOUNDATION -
The institute of Company secretaries of India
Higher Secondary Certificate -
Shankar Narayan college
Secondary School Certificate -
ST ALOYSIUS ENGLISH HIGH SCHOOL