Saurabh Vinayak Prabhu Dessai

• Analyzed financial data to determine if met acceptable risk standards and for new proposals.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Participated in loan committee meetings to provide input on lending processes.
• Complied with internal controls and government regulations.
• Explored the Goa market for new business acquisition for lending opportunities.

● Credit analysis, Financial modeling and Credit note preparation.

● Presentation of Credit note to senior management in credit committees for new proposals and reviews.

● Management of stakeholders internal as well as external to the organization for processing and disbursement.

● Sourcing new business and increasing wallet share amongst existing clients.

● Sourcing new business and increasing wallet share in existing client base.

● Preparation of Credit appraisal note by understanding customer’s financials, past management performance and related industry trends.

● Co-ordination with various internal control groups(risk, legal and compliance) in order to ensure sanction, disbursement and post-disbursement documentation.

● Ensuring portfolio quality by timely resolution of EWS, event based or time based triggers.

● On boarding new vendors (hotels) in order to increase the number of rooms available for sale.

Sales planning and operational execution.

● Managing a team of junior sales staff to ensure coverage of desired market segments.

● P&L management for existing vendor base.

● Execution of project from greenfield to a completely operational and semi-automated agricultural development.

● Ensuring data collection and timely nutrient and pest control delivery in order to boost production.

● Liaising with government and private agencies for sales of perishable agricultural produce.

● SPOC for corporate banking transactions in Goa.

● Execution of trade finance related operations mainly pertaining to Letters of credit, Bank guarantees, Buyers credit, Standby letters of credit and remittances.

● Ensuring compliance to Bank and RBI policies.