Sai Ravindra Jinka
Banker
Hyderabad
Summary
Dynamic Corporate Banking professional with 11+ years’ experience managing diversified portfolios of corporate clients with turnovers ranging from ₹10 crore to ₹500 crore. Proven expertise in working capital solutions, trade finance operations (LC/BG issuance), supply chain finance, and secured lending (LAP/TL/LRD). Strong track record in delivering end-to-end transactional support, strengthening client relationships, and driving portfolio growth with zero delinquency.
Overview
12
12
years of professional experience
5
5
years of post-secondary education
3
3
Languages
Work History
Assistant Vice President /Commercial Banking group
Axis Bank
04.2020 - Current
- Led a team managing corporate clients with turnovers between ₹10 crore and ₹500 crore, ensuring seamless credit, trade finance.
- Managed a diversified portfolio of corporate clients (₹10 crore – ₹500 crore turnover), delivering end-to-end transactional support, LC/BG issuance, and relationship management.
- I have dealt with clients across South India.
- I can speak English, Hindi, Telugu, and I can manage Tamil and Kannada.I
- Key Products Managed under Working Capital: Cash Credit (CC) & Overdraft (OD) for short-term working capital needs, Letter of Credit (LC) facilitating secure supplier payments in imports, Bank Guarantee (BG) providing financial assurances for vendor/government contracts, Foreign Currency Term Loan (FCTL) for capital expenditure with competitive global rates, Packing Credit in Foreign Currency (PCFC) and Post-Shipment Foreign Currency Credit (PSFC) supporting exporters' cash cycles.
- Expertise in LAP structuring including Term Loan (TL), Drop-line OD (DoD), and Lease Rental Discounting (LRD) on residential and commercial properties.
- Structured Supply Chain Finance (SCF) models including vendor & dealer financing, bill discounting, and anchor-led programs.
- Maintained a zero-delinquency portfolio by proactive risk controls and recovery strategies.
- Led teams to: Achieve 25% YoY client acquisition growth.
- Excellent communication skills, both verbal and written.
Relationship Manager - Business Banking
HDFC Bank
11.2020 - 04.2022
- Spearheaded Working Capital financing for MSMEs with turnovers from ₹10 Cr to ₹150 Cr, delivering tailored CC/OD and short-term loans.
- Managed end-to-end credit lifecycle, including proposal structuring, credit note preparation, and disbursement.
- Built a ₹150 Cr portfolio with delinquency below 1% through effective client relationship management and risk mitigation.
- Cross-sold Trade & Forex products, Insurance, and Cash Management Services (CMS) to expand wallet share.
- Applied cash flow-based underwriting models utilizing banking surrogates and GST analytics.
- Mentored junior RMs, facilitating team growth and knowledge transfer.
Relationship Manager - Business Banking
Kotak Mahindra Bank
05.2019 - 11.2020
- Managed SME client portfolios offering Working Capital finance solutions including Term Loans, Overdrafts, LC/BG facilities with ₹2-10 Cr ticket sizes.
- Structured collateral-backed and unsecured lending based on promoter profiles, cash flows, and sector outlooks.
- Delivered ₹60 Cr in fresh disbursals within the first year through active client acquisition and DSA channel management.
- Focused on manufacturing, pharma, and logistics sectors, using sector risk assessments for credit decisioning.
- Improved proposal TAT by 30% through enhanced coordination with credit and operations teams.
- Participated in credit committees, advocating for clients with thorough risk analyses.
Trade Finance & Forex RM
IndusInd Bank
02.2018 - 05.2019
- Managed a portfolio of 70+ SME exporters/importers, providing Trade Finance solutions like LC issuance, BGs, PCFC, and PSFC.
- Delivered tailored Forex advisory, including forward contracts, options, and hedging strategies to mitigate currency risks.
- Generated over ₹2 Cr in annualized fee income, ranking among top 10 regional RMs.
- Worked with treasury and credit teams on pricing strategies to balance profitability and client retention.
- Educated clients on RBI regulations, FEMA compliance, and remittance rules.
- Supported rollout of IndusInd's online Trade portal, increasing digital adoption among SME clients.
Transaction Banking RM - Trade & Forex
Axis Bank (Initial Role)
09.2016 - 01.2018
- Specialized in Forex risk management, trade compliance, and reducing transaction costs for SME clients.
- Advised clients on cross-border payments, remittance rules, and export documentation processes.
- Reduced client transaction costs by 25% through bundled products and strategic advisory services.
Process Associate
Genpact
05.2014 - 04.2015
- Managed invoice verification and reconciliation in a shared services environment, honing process accuracy and efficiency.
Education
Post Graduate Diploma - Banking Services
01.2015 - 04.2016
Bachelor of Commerce - undefined
01.2011 - 04.2014
Skills
MSME Finance & Lending
Working Capital Structuring
Loan Against Property (LAP)
Lease Rental Discounting (LRD)
Supply Chain Finance
Trade Finance & Forex Advisory
Portfolio Management
Branch & DSA Channel Management
Client Relationship Management
Digital Lending & Automation Tools
Accomplishments
- Awarded South Africa International Trip (2023) for achieving exceptional business targets.
- Qualified for Singapore Reward Trip (2024) in recognition of outstanding performance in insurance sales.
- Achieved Bangkok Incentive Trip (2024) for delivering high growth in general insurance portfolio.
- Earned Cordelia Cruise Recognition Trip (2025) for surpassing life insurance business goals.
Disclaimer
I hereby declare that the information provided above is true to the best of my knowledge and belief.
Timeline
Relationship Manager - Business Banking - HDFC Bank
11.2020 - 04.2022
Assistant Vice President /Commercial Banking group - Axis Bank
04.2020 - Current
Relationship Manager - Business Banking - Kotak Mahindra Bank
05.2019 - 11.2020
Trade Finance & Forex RM - IndusInd Bank
02.2018 - 05.2019
Transaction Banking RM - Trade & Forex - Axis Bank (Initial Role)
09.2016 - 01.2018
Manipal University - Post Graduate Diploma, Banking Services
01.2015 - 04.2016
Process Associate - Genpact
05.2014 - 04.2015
P.B. Siddhartha College - Bachelor of Commerce,
01.2011 - 04.2014