Summary
Overview
Work History
Education
Skills
Accomplishments
Languages
Timeline
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Utkarsh Srivastava

Utkarsh Srivastava

Noida

Summary

Having a total of 9 years of experience in the banking sector, explored products like Dealer Finance, Vendor Finance, Purchase Bill Discounting, Sales Bill Discounting, Factoring, and other working capital products. I am a professional with good interpersonal and managerial skills, with the core capabilities of motivating myself and my team in adverse as well as favorable situations to exceed organizational goals and objectives.

Overview

9
9
years of professional experience

Work History

Senior Manager

Axis Bank Limited
Delhi/ NCR
06.2023 - Current
  • Acquisition of new clients and servicing existing ones in Automobiles in assigned territory i.e Delhi/NCR.
  • Explore the potential of products like Dealer Finance , Term Loan, INF, CC, OD and WCDL with existing and new client & Existing one .
  • Maintain relationship with Auto Dealer finance facility of tie up and non-tie up business with Various Corporate of MSIL, HYUNDAI, Tata Motors, M G M Ltd, HMCL, TVS, BAJAJ, ALL, VECV, etc.
  • Monitor and control delinquencies, overdue, and NPA within permissible limits, Maintaining portfolio health to ensure nil debtor accounts throughout the year.
  • Assessment of balance sheet, financial ratios, security documentation.
  • Coordinate with customer and anchor for Disbursement, repayments, Documentation, and other account services.
  • Working capital - Inventory Funding, Cash Credit, Term Loan Penetration in Dealer and Allied Segment.
  • Handling Total Portfolio of Rs.650 Crs, with Average Client base of Rs.35.00 crs.
  • Acquiring fresh Relationship for Channel Finance / Cash Credit / Term Loan and other related products.

Manager

Aditya Birla Capital
Delhi/ NCR
08.2021 - 06.2023
  • Managed a diverse portfolio of Vendor Finance and Channel Finance worth approximately INR 450 Crores across the North Region, focusing on strategic client acquisition.
  • Handled a customer base with annual revenues ranging from INR 10 Crores to 500 Crores.
  • Territories including Delhi/NCR, Rajasthan, Punjab, and Uttarakhand.
  • Specialized in standalone financial products, including Purchase Bill Discounting, Sales Bill Discounting, AOR, and Factoring.
  • Implemented rigorous financial and industry research to mitigate credit risk and safeguard the portfolio's integrity.
  • Cultivated relationships and negotiated deals with clients across various sectors, such as Automobiles, Steel, Apparel, Information Technology, and more.

Assistant Manager

Centrum Financial Services Limited
Ahmedabad, Gujarat
02.2018 - 08.2021
  • Managed SCF Portfolio, including Dealer Finance, Vendor Finance, and Bill Discounting across Gujarat.
  • Handing Portfolio of Customer Base of INR 300 Cr.
  • Provided Bill Discounting facility in Project Like Status of Unity, Bullet Train Project, Motera Cricket Ground in association with L&T Division.
  • Assessed client needs to propose impactful financial solutions, along with conducting periodic account reviews to ensure optimal performance.
  • Fostered relationships with anchors, maximizing Vendor Finance potential.
  • Explored Vendor Finance opportunities in L&T Divisions like Power, Defense, Hydrocarbon, and Heavy Engineering.
  • Executed and monitored sales bill discounting solutions for OEM and large corporations, enabling efficient working capital for their dealer Network.
  • handled purchase bill discounting for vendors / Suppliers, ensuring seamless funding support against approved invoices and strengthening supplier relationship.

Junior Manager

IndusInd Bank Limited
Rajasthan
02.2016 - 02.2018
  • Working capital – Inventory Funding, Cash Credit. Term Loan Penetration in Dealer and Allied Segment.
  • Handling a Portfolio of INR 100.00 Cr Plus, Dealer and Manufacturer Relationship.
  • Acquiring fresh relationships for Channel Finance / Cash Credit / Term Loan, and other related products.
  • Handled Customer base in areas like Jaipur, Ajmer, Kota, Bhilwara, Jodhpur, Udaipur, Alwar, and Shekhawati Region of Rajasthan, and Surat, Vadodara, Gujarat.

Education

MBA - Marketing

Krishna Institute of Engineering & Technology
Ghaziabad
05-2016

Bachelor of Commerce - Finance

Deen Dayal Upadhyaya Gorakhpur University
Gorakhpur
04-2014

Skills

  • Client acquisition
  • Portfolio management
  • Financial analysis
  • Credit risk assessment
  • Relationship management
  • Dealer finance

Accomplishments

*Got Pan India Highest Incentive In Indusind Bank Limited.

*Achieved Best Performer in the Q3 In FY 2017.

*Highest ECLGS disbursement in Pan India in CFSL.

*Highest FD Book in Q2 in Axis Bank.

*Best Performer in Axis Bank In FY 24

Languages

English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2

Timeline

Senior Manager

Axis Bank Limited
06.2023 - Current

Manager

Aditya Birla Capital
08.2021 - 06.2023

Assistant Manager

Centrum Financial Services Limited
02.2018 - 08.2021

Junior Manager

IndusInd Bank Limited
02.2016 - 02.2018

MBA - Marketing

Krishna Institute of Engineering & Technology

Bachelor of Commerce - Finance

Deen Dayal Upadhyaya Gorakhpur University

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Utkarsh Srivastava