Sai Ravindra Jinka
Banker
Hyderabad
Summary
Results-oriented banking professional with over a decade of experience in MSME finance, Working Capital Management, Loan Against Property (LAP), Supply Chain Finance (SCF), and Trade Finance & Forex. Currently serving as Area Head at Axis Bank, managing a portfolio exceeding ₹1,050 Cr with loan ticket sizes ranging from ₹50 lakhs to ₹100 crores. Demonstrated expertise in credit structuring for SENP profiles, risk mitigation, delinquency recovery, and maintaining book cleanliness. Proven track record of providing robust financial solutions and fostering sustainable business relationships with clients having turnovers up to ₹200 Cr.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
3
3
Languages
Work History
Assistant Vice President / Area Head
Axis Bank
04.2020 - Current
- Lead a 30-member team across branches and DSAs to drive MSME lending, focusing on Working Capital, LAP, SCF, and structured finance.
- Managed loan ticket sizes between ₹50 lakhs and ₹100 crores, tailoring financial solutions for diverse sectors.
- 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.
- Implemented 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, Increase profitability by 20%, Win the 2023 South Africa incentive trip.
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
Manipal University
Bengaluru 01.2015 - 04.2016
Bachelor of Commerce - undefined
P.B. Siddhartha College
Vijayawada 01.2011 - 04.2014
Skills
MSME Finance & Lending
Accomplishments
- Axis Bank, 2023, Achieved 200% of annual sales target and won Foreign Incentive Trip to South Africa
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 / Area Head
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
Post Graduate Diploma - Banking Services
Manipal University
01.2015 - 04.2016
Process Associate
Genpact
05.2014 - 04.2015
Bachelor of Commerce - undefined
P.B. Siddhartha College
01.2011 - 04.2014
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