SHIKHA PANDEY
Banker
Mumbai,MH
Overview
20
20
years of professional experience
Work History
VP & Transaction Management Segment Lead - India Market - ICM
CITI Bank
Mumbai
03.2023 - Current
- Expertise of identifying gaps under Self-Identified Issues (SII), implementing Corrective Action Plan (CAP), executing risk based corrective measures (RBCM), running it at APAC level with various stakeholders, formulating desktop manual procedure and making regular representation with regulators. Have done it successfully for Covenants across every line of business
- Knowledge of wholesale loan (syndicated / bilateral) product and business, including an understanding of legal loan documentation, loan / funding mechanics, deal structure, funds flows, etc.
- Experience of working with clients under time constraints to facilitate a transaction or process
- Deep understanding of operational processes supporting Wholesale lending
- Experience of managing team of experienced resources
- Ability to work in an environment where priorities are frequently changing
Regional Head - Corporate and Commercial Banking - West
IndusInd Bank
Mumbai
06.2020 - 03.2023
- New client acquisitions, as well as maintaining and enhancing the existing portfolio for the West
- Focus on liability growth for the bank and grow P& L book of liabilities through the team
- Drive discussions and mandates with various financial advisors, venture capital firms, sponsors and Trust firms
- Create road map and plan for account, budget and revenue for the team. Focus on increasing wallet share, negotiation & cross-sell other banking products like CMS, Corporate salary account, commercial credit cards and trade insurance
- Product knowledge and ability to structure the facilities as per the client's need and bank's strategy ensuring optimum profitability & sustainability of the business within the regulatory framework.
- Market knowledge required to identify potential customers, industry & segment
- Strong network with industry bodies, professionals, advisory & law firm to identify business opportunities.
- Engagement with RBI, regulators, external and internal auditors, ensuring compliance and addressing market nuances
- Coordination with various internal teams for relevant approvals, documentation, limit setup, disbursement, post-disbursement compliances and monitoring.
- Have sound negotiation skills, strong risk understanding, local market intelligence & business network, required to identify opportunity
Deputy Vice President
IndusInd Bank
Mumbai
07.2019 - 06.2020
- Drive Startup ecosystem, Product Strategy and Business Intelligence
- In Principle discussion with Credit Risk on startup programs and working capital transactions
- Organized, adaptable and self-driven to achieve collective information both formally and informally from direct and indirect reporting and Subject Matter Experts
- Drive the agenda of cultural change to create granular & sustainable stream of revenue
- Understanding of the key control points and risk inherent in the trade life cycle
- Inculcate flow of business intelligence for RM team from Product team, Data & MIS interpretation
- Maintain & publish data/MIS as per activity tracker and on adhoc basis
Associate Vice President, International Structured Trade & Commodity Finance
Blend Financial Services
Mumbai
04.2018 - 07.2019
- Company Overview: Blend is amongst the leading professional service company providing a comprehensive range of financial advisory and management consulting to business globally. Blend has strategic partnerships with leading banks, trade funds, and large non-bank investors to provide clients with the required comprehensive solutions.
- Sourcing, Structuring & Coverage of International Trade & Structured Trade Finance Transactions for clients across United States and Canada.
- Developing and monitoring a portfolio of mid to large sized Corporate on secured/unsecured basis.
- As a subject matter expert, proactively identify and originate trade finance solutions revolving around non-traditional trade solution, supply chain management solutions and structured trade finance.
- Advisory on various trade finance products such as Reverse Factoring, Supply Chain Finance, Receivable Finance, End to End Finance, Voyage Finance, Repos, Prepayments, L/C lines, Confirmation and Discounting L/S's etc.
- Developing network & relationships with leading international banks as well as regional banks with a specific focus on EMEA markets.
- Blend is amongst the leading professional service company providing a comprehensive range of financial advisory and management consulting to business globally. Blend has strategic partnerships with leading banks, trade funds, and large non-bank investors to provide clients with the required comprehensive solutions.
- Have activated/tapped 18 lenders and Private Funds within 4 months
- Only resource to be handling end to end of every transaction
Senior Client Banker (MII), Corporate Banking
ICICI Bank
India
10.2014 - 03.2018
- Conduct market risk checks, nurture and manage relationship with banks, insurance companies and corporate clients
- Preparation of financial model and credit appraisal note based on detailed analysis of financial statements, physical performance and other financial information, undertaking credit risk analysis based on business model and industry outlook.
- New client acquisition- Market research, abreast with market intelligence, broad industry knowledge, understanding of business/financial needs and preparation of 2 pager.
- Understanding of working capital cycle to evaluate funding requirements and business prospects of the client.
- Knowledge of credit products i.e. all fund based & non fund based credit products namely term loans, OD/CC, LC/BG, bill discounting
- Handling prominent relationships of Corporate Banking group.
- Prepare and negotiate term sheets, perform facility documentation and security completion.
- Responsibilities also includes timely facility renewal, asset review, post disbursal credit monitoring and regulatory compliance
- Liaison with internal business groups like Corporate Banking, Credit Risk, Corporate Legal, Compliance, Commercial Banking, Credit Middle Office, Planning etc. for origination and closure of deals
- Sanction & disbursement of Rupee Term Loan of Rs.4.00 billion. The deal was completed with the shortest TAT and was awarded as the Best NCA Deal. It involved detailed financial and acquisition due diligence, approaching client, negotiation and obtaining sanctions.
- Recently obtained sanction of Rs.400.00 million fundbased facilities for a prominent hosiery company.
- Analyzed and prepared pitch book of Port sector for top management
Senior Business Relationship Manager
Royal Bank of Scotland
India
02.2012 - 10.2012
Senior Relationship Manager
HSBC
India
11.2006 - 07.2011
Relationship Manager
HSBC
India
09.2005 - 11.2006
Timeline
VP & Transaction Management Segment Lead - India Market - ICM
CITI Bank
03.2023 - Current
Regional Head - Corporate and Commercial Banking - West
IndusInd Bank
06.2020 - 03.2023
Deputy Vice President
IndusInd Bank
07.2019 - 06.2020
Associate Vice President, International Structured Trade & Commodity Finance
Blend Financial Services
04.2018 - 07.2019
Senior Client Banker (MII), Corporate Banking
ICICI Bank
10.2014 - 03.2018
Senior Business Relationship Manager
Royal Bank of Scotland
02.2012 - 10.2012
Senior Relationship Manager
HSBC
11.2006 - 07.2011
Relationship Manager
HSBC
09.2005 - 11.2006
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