Ralph D’souza
Mumbai
Summary
Treasury and Global Markets professional with over 10 years of experience in FX and currency derivatives. Expertise in trade lifecycle management, P&L reporting, and front-office support, with a strong focus on booking accuracy, risk controls, and regulatory compliance. Skilled in FX products (options, swaps, forwards), with working knowledge of Python, VBA, and automation.
Overview
16
16
years of professional experience
Work History
Business Advisory Consultant
Acies Consulting LLP
12.2024 - 07.2025
- Enhanced FX process SOPs and document templates for leading bank, ensuring regulatory compliance and operational consistency.
- Supported presales for Middle East client through requirement analysis, RPF evaluation, and treasury reporting; prepared weekly presentation deck to facilitate stakeholder engagement.
- Conducted internal audit for Treasury Division on Model Risk Governance and compliance.
- Incorporated IRDAI policy changes into equity derivatives SOPs for insurance clients, ensuring compliance and alignment with industry regulations.
Treasury Front Office Sales Assistant
Kotak Mahindra Bank Limited
05.2021 - 09.2024
- Booked/Priced FX deals in RET (Fxlive) generating INR 9M (FY 23–24) and INR 5M (FY 24–25 till Sep) in revenue and Captured derivatives trades in Front Office System, ensuring accurate front-office booking and control compliance.
- Monitored major currency movements and macro drivers; executed card rates during trading hours to optimize pricing strategies.
- Managed trade lifecycle events (exercises, settlements, reconciliations) to support sales/trading and ensured end-of-day sales position blotter accuracy.
- Produced P&L reports and facilitated audits; confirmed FX trades with clients and counterparties via email or trading platforms to ensure accuracy and compliance.
- Facilitated process improvement initiatives and automation initiatives to streamline workflows. Coordinated with Tech, Operations, Risk for smooth trade flow.
Treasury Senior Executive
Gebbs Healthcare Solutions
03.2020 - 07.2020
- Coordinated with banks on investment and hedging transactions, ensuring RBI compliance and timely execution of forward contracts to mitigate financial risks.
- (Thane)
Deputy Manager
Axis Bank Limited
10.2016 - 04.2019
- Validated FX option trades for regulatory compliance, calculated client P&L, and reviewed documentation for accuracy.
- Managed CSA valuations and collateral, coordinated UAT and audit reviews for treasury systems.
Assistant Manager
Yes Bank Limited
05.2016 - 10.2016
- Validated FX trades, ensuring accurate settlement across cash, tom, spot, and forward deals while monitoring rate scans and flagging exceptions to mitigate risks.
Associate Manager
Indusind Limited
04.2014 - 05.2016
- Validated and settled FX cash, tom, spot, and forward trades while reconciling internal accounts and supporting audits and UAT for new deal flow systems.
- Assessed trade lifecycles of FX products ensuring accuracy and compliance with regulatory standards.
Team Member
JP Morgan India Pvt Ltd
01.2010 - 04.2011
- Led migration of process operation from Delaware to India, enhancing operational capabilities.
- Identified and rectified trade errors in client accounts, ensuring compliance with margin requirements.
Education
Post Graduate - Business Administration
Indo-German Training Centre
Skills
- Calypso
- Murex
- K-Plus
- Finacle
- Reuters FX Live
- Bloomberg
- Refinitiv
- MS-Office
- MS Word
- MS Excel
- MS Power Point
- Communication skills
- Time Management
- Problem Solving
- Enhanced FX processes
- Documentation management
Languages
- English
- Hindi
- Marathi
- Deutsch – A2 Studying
Knowledge And Skills
Hands-on experience with Calypso, Murex, K-Plus, Finacle, and Reuters FX Live for deal pricing. Procured market information using Bloomberg and Refinitiv., MS-Office MS Word, MS Excel, MS Power Point, Industry-appropriate written and verbal communication skills, Strong ability to prioritize tasks and meet deadlines, Independent development of practical solutions to challenges
Timeline
Business Advisory Consultant
Acies Consulting LLP
12.2024 - 07.2025
Treasury Front Office Sales Assistant
Kotak Mahindra Bank Limited
05.2021 - 09.2024
Treasury Senior Executive
Gebbs Healthcare Solutions
03.2020 - 07.2020
Deputy Manager
Axis Bank Limited
10.2016 - 04.2019
Assistant Manager
Yes Bank Limited
05.2016 - 10.2016
Associate Manager
Indusind Limited
04.2014 - 05.2016
Team Member
JP Morgan India Pvt Ltd
01.2010 - 04.2011
Post Graduate - Business Administration
Indo-German Training Centre