Sai Ravindra Jinka

Work History

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.

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.

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.

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.

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.

Genpact

05.2014 - 04.2015

Managed invoice verification and reconciliation in a shared services environment, honing process accuracy and efficiency.