Hi, I’m
SRIMANTA SAHA
Service In ICICI Bank
Kolkata
Summary
Detail-oriented Banking having 12+ years of experience with routinely assessing and meeting the International Trade Product solutions to various Large Corporates, Wholesale Banking Clients, MNC’s Clients, SME clients and Retail clients. Adept at handling various banking international trade related transactions and other transaction. Focused on applying knowledge on International trade solutions banking products to offer to existing and new customers. (Ex, Export Post Shipment Finance under bank lines, Export Factoring through EDI Platform, Import financing like Supplier Credit, RA Financing, Buyers Credit Etc.) Well versed in customer care and successful in achieving sales goals while maintaining high levels of customer satisfaction. Consistently accurate in client portfolio analysis. Outgoing personality with attention to delivering portfolio growth, Industry updates, credit risk analysis, International Trade & Foreign exchange solutions & outstanding customer experience. Currently associated with ICICI Bank Limited as a Product Manager For International Financial Institutional Group (IFIG) Under Internal Banking Group Associated with Indusind Bank Limited as a Trade Sales Manager For International Trade & Foreign Exchange in Emerging Corporate Group. Associated with Yes Bank as a Senior Manager in Emerging Business banking Asset group. Associated with RBL BANK as a Senior Relationship Manager in Insignia Business banking group (Liabilities). Associated with STANDARD CHARTERED BANK as Senior Relationship Manager in Transaction Banking Liabilities Business. Associated with India Mart Intermesh Ltd as Branch Manager. Associated with Infocom Network Limited as sales executive. Qualified Professional with a MBA in Marketing Management from Sikkim Manipal University, with the latest trends and techniques of the field, having an inborn quantitative aptitude & determined to carve a successful and satisfying career. Qualified Bachelor Degree in Hotel Management (Specialization in F&B Service) from IHM BHUBANESWAR (NCHMCT) UNDER THE DEGREE COURSE FROM IGNOU; with excellent Customer service proficiency and practical experience, gained while working on different projects as part of curriculum. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Experienced and highly determined [Job Title] passionate about developing innovative methods to drive sales. Specializes in leading teams through product design and distribution. Comfortable working in fast-paced and deadline-driven environment.
Overview
15
years of professional experience
Work History
ICICI Bank LimitedKolkata
Product Manager
01.2020 - Current
Job overview
- Managing Export trade Product Portfolio on Foreign Bank lines (Post Shipment Finance Under Bank Lines) for Pan India Branches and especially for Eastern region along with Dubai, Hong Kong, Singapore, Bahrain, USA, and Canada & UK Branches
- Current Portfolio size is USD 1.10BN consisting of 210 clients of eastern region along with USD 1.75 BN in Outside India Branches
- Customer spread is included large corporates, LCG, WBG, GCG, MNC, SMEAG & ETRG group clients
- Handling pricing, Bank lines availability & trade product related queries (especially for Post Shipment Finance under Bank lines and Export Factoring through EDI Platform) for pan India & assigned Outside India Branches
- Establishing, maintaining & negotiating effective correspondent bank relationships for improved reach, collaborative products/services & referral arrangements along with Relationship managers
- Required to engage with customers along with branches to increase export bank line business
- Support the Branches in Handling/Responding to customer queries and engage with various teams for the closure of product/process/MIS requirement
- Monthly basis conducting training for different bank channels to provide knowledge of International Trade related products along with encourage them to pitch for bank line discounting for post shipment finance
- Understanding of documentation required for trade transactions (especially for Exports).Knowledge of UCP 600, Letter of Credits, RBI guidelines on exports along with different countries guidelines for Import
- Engage with various teams like Relationship/Operations/Branches in recovery & closure of dues in the books
- Ensure closure of transactions within TAT with all the internal clearance/approvals & due diligence
- Monitors the transaction closure TATs & fixes the gaps if any
- Understanding of additional due diligence required for Export transactions based on transaction origination & underlying structure
- Understanding the guidelines of regulators & same are compiled in all transactions
- Publish various MIS and analytics
- Managing the overall product income for assigned portfolio including product profitability and volume uptake for various business segments (Large Corporates, WBG, SMEAG & Retail clients
- Generating New leads / clients through different sources for various branches pan India for business developments, acquisition of new clients
- Negotiate post shipment finance pricing under Bank lines with the different segment customers
- Designing and developing new product offering based on market intelligence initiatives and roll out the same with detailed product & process notes including pricing guidelines & performance criteria
- Liaise with credit, relationship & different channel to promote Bank lines utilization for post shipment finance
- Monitor volumes & roll out performance dashboards along with actionable for improving product penetration
- Provide consultation to sales and relationship teams on product nuances & structured solutions
- Contribute to development of alternate channels for transaction initiation & product delivery
- Engage with credit/ TSU team on clarification on guidelines, approvals on specific transaction structures
- Roll out communiques regarding important market / industry updates including regulatory changes with interpretations/ comments on impact and suggestions on leveraging on the updates.
Indusind Bank LimitedKolkata
Trade Sales Manager
01.2018 - 12.2020
Job overview
- Responsible for achieving and driving channel targets on Trade & Forex Services
- Monitor & analyze the progress of Trade Finance and Forex services for BBG clients
- Evaluate client requirements through Branch & BBG RMs/market offerings and propose/recommend pricing of FI trade related products
- Provide support to the sales teams through sharing of product knowledge/information
- Compile a weekly/monthly trade sales report showing target clients, sales revenue, percentage achieved YTD and client satisfaction/complaints etc
- Monitor & comply Import & Export transaction in terms of bills outstanding and overdue
- Provide leads and market information to channels
- Conduct weekly review of Trade ops manager on trade transaction and process maintained.
Yes BankKolkata
Senior Manager
02.2016 - 01.2018
Job overview
- Manage the customers all kind of asset requirements like Cash Credit, Over Draft, LC, BG, Buyers Credit, Packing Credit Etc
- Generate the lead from mapped branches and from own CRM
- Presently mapped with 2 different branches (Dalhousie, Howrah,) Create coordination with branch managers and sales team of branches for generates the lead, meet the customers for closer
- Deal Sourcing and Originating for SME Segment Customer
- Ticket Size INR 10 MM to INR 250 MM
- Responsible for mobilizing funds through Working Capital Loans, Term Loans, Trade Back Loans etc
- Preparation of CMA and CAM and handling risk queries before and after sanction of limit Exception management and closely monitoring the post sanction covenants
- Rendering market and statutory inputs to senior management for effective decision-making
- Due diligence & risk management (Business risks/ Credit risks/Liquidity/Operational/Event and Regulatory risks) Products handled - Bank Guarantee, Letter of Credit, Term Loan, WCDL, BG, EPC, PCFC/PSFC, Buyers Credit Etc
- Worked closely with various teams like CMS, TBG, AGRI Business Team, Branch Banking, GML team
- Directed marketing efforts to promote visibility of Yes bank and organized various knowledge events targeted at specific industries
RBL BANKKolkata
Senior Relationship Manager
07.2015 - 01.2016
Job overview
- Acquire new high volume trade fx and domestic current account customers to create the new base, and also maintaining the customers day to day transactions along with the revenue generation
- Handling the NTB trade customer documents for the export import transactions and liaise with the trade department for other related transactions
- Guide trade & fx NTB customers for their day-to-day export and import transactions and also confirm the currency rates of their transactions
- Earn maximum number of fx revenue from the export import NTB customers by cross selling of forward booking
- Monthly fx revenue target is 3lakhs and trade revenue target is 50 thousand from NTB customers
- To increase the Fx revenue, acquisition of at least two NRI customers for FCNR forward deal on monthly basis
- Build up the CASA portfolio by acquiring new customers, every month target INR 5 MM from NTB customer’s yearly target INR 60 MM.
STANDARD CHARTERED BANKKolkata
Senior Relationship Manager
08.2011 - 07.2015
Job overview
- Looks after Transaction banking Liabilities portfolio
- Total Portfolio size is 21.50 crores
- Increase portfolio monthly basis also increase the Trade & Fx revenue monthly basis over the budget
- Handling current account portfolio of 21.50 crores
- Total no of customer in portfolio is 85
- Increase the portfolio of monthly basis
- Monthly incremental budget was 2 Mn
- Increase the Trade & fx revenue from the portfolio customer also from NTB (new to bank) customer
- Total trade & fx target was 5 lakhs per month
- Broad basing clientele and deepening of existing relationship
- Acquire minimum two new customers every month
- Maintain the Lag value of 12lakhs in M1
- Cross selling of Business unsecured loan, Lap, Cash Credit, OD, and PCFC
- Handle all customers Kyc related issue
- Active the all fx related customers in portfolio, offering hedging products (Forward, Options) to all fx related customers for increase the fx revenue
- Initial documents handling for all trade customers
- For Lc, BG, collection documents, and also bill discounting related documents
- Co-ordinate with Trade Finance Centre (TFC) for forex transactions and adherence to RBI/FEMA guidelines and internal procedures
- Keep updated of the recent developments in the business environment particularly in relation to the latest guidelines on trade finance.
India Mart Intermesh LtdKolkata
Branch Manager
05.2009 - 07.2011
Job overview
- To handle a team comprising of 25 Marketing Executives with 5 sales manager
- Market development, market intelligence and competitive scanning
- Business revenue generation
- Preparation of marketing reports
- Other operation related task for branch
- Responsible to fetch desired output from team members in order to achieve quarterly and annually target
- Guiding and motivating subordinates to close business deals
- Training of team members on Product and Sales Concepts
- Responsible for Team Sales Targets.
Education
Sikkim Manipal University
MBA from Marketing Management
IHM Bhubaneswar (NCHMCT)
Bachelor Degree from Hotel Management
Skills
Banking & Financial services , International Trade, , Portfolio Management, Sales Strategies, Fema Guidelines, RBI Guidelines for International Trade, UCP 600, Export Factoring
Personal Information
- Father's Name: Sri Sasanka Sekhar Saha
- Date of Birth: 06/27/82
- Marital Status: Married
Languages
English
Advanced (C1)
Hindi
Advanced (C1)
Bengali
Advanced (C1)
Oriya
Advanced (C1)
Timeline
Product Manager
ICICI Bank Limited
01.2020 - Current
Trade Sales Manager
Indusind Bank Limited
01.2018 - 12.2020
Senior Manager
Yes Bank
02.2016 - 01.2018
Senior Relationship Manager
RBL BANK
07.2015 - 01.2016
Senior Relationship Manager
STANDARD CHARTERED BANK
08.2011 - 07.2015
Branch Manager
India Mart Intermesh Ltd
05.2009 - 07.2011
Sikkim Manipal University
MBA from Marketing Management
04.2009
IHM Bhubaneswar (NCHMCT)
Bachelor Degree from Hotel Management
04.2004
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