Driving, Playing Table Tennis & Basketball
Vikash Agarwal
Commercial Banker
Vile Parle (East), Mumbai,Maharashtra
Summary
SYNOPSIS: A MBA (Finance) from T. A. Pai Management Institute, Manipal from 2006-08 batch.
Work experience of thirteen years wherein primarily (nine years) worked in the field of business sourcing as well as portfolio management with two years stint each in credit rating and operational risk management profiles.
Overview
6
6
years of post-secondary education
12
12
years of professional experience
Work History
Cluster Head
HDFC Bank Ltd
Mumbai, Maharashtra
09.2017 - Current
- Managing a portfolio of around 250 clients with overall portfolio value of Rs.1800 cr comprising of asset, liability and non-fund based exposures.
- Driving and managing a team of 8 Relationship Managers and accountable for achievement of their annual sales target along with productivity norms of onboarding one new client per month.
- Responsible for ensuring the asset quality of the portfolio along with adherence of bank policies and compliances across all actionable.
- Responsible for achieving y-o-y growth of the portfolio along with achievement of income targets including forex income, fee based income, cross sell income.
- Resolution of client escalations in a time bound manner and maintaining strong level of client engagement with the objective of increasing bank's wallet share of the client overall business.
- Regular interaction with channel partners to generate and source new business to drive growth.
Relationship Manager
HDFC Bank Ltd
Mumbai, Maharashtra
09.2012 - 01.2017
- Responsible for handling one of the biggest portfolio of the vertical pan-India and sourcing new clients for working capital products i.e. Cash Credit, Working Capital Demand Loan Overdraft, Letter of Credit, Bank Guarantee, Buyers Credit, Export Packing Credit etc. and Term Loan.
- Maintaining strong client relationship within the assigned portfolio and to service client day to day banking needs.
- To look for constant opportunities for cross selling entire gamut of bank products to get steady flow of income from the assigned portfolio.
- Preparation of credit approval memo and putting it up with credit department for its assessment and sanction of the proposed credit limits.
- Coordinating and fulfilling all documentation requirements to ensure timely disbursements of sanctioned limits.
- Ensure timely renewals of the sanctioned credit facilities for assigned portfolio.
Credit Analyst
Credit Analysis & Research Ltd, CARE
Kolkata, West Bengal
03.2010 - 09.2012
- Assigned credit rating to the bank facilities & debt instruments of various companies rated amount of which exceeds Rs.250 bn.
- Exposure to construction, real estate, NBFC, steel and plywood industries etc.
- Assignments comprised in-depth analysis of qualitative & quantitative parameters and presentation of rating reports & recommendations to the Credit Rating Committee.
- Actively interacted with the top management of companies to understand the processes, growth outlook and sustainability of the business model.
Operational Risk Analyst
Bank of America Continuum Solutions, BACS
Hyderabad, Andhra Pradesh
07.2008 - 03.2010
- Advised and worked jointly with onshore and offshore leadership team to design and implement risk & control strategy.
- Conducted five end-to-end operational risk reviews for the Global Market Operations and Middle Office processes in India.
- Designed business continuity plans to be followed in the event of disaster for business continuity.
Education
PGDM - Finance
06.2006 - 03.2008
GPA: 2.86/4.33
B.Com. (Hons) - Accountancy
06.2002 - 04.2005
Percentage: 67.5
XII - Commerce
06.2001 - 04.2002
Percentage : 84.2
X -
06.1999 - 04.2000
Percentage : 82.0
Skills
Team Building
Accomplishments
Received Aditya Vikram Birla Scholarship for 2001-02 and 2000-01 for Academic Excellence.
Part of esteemed Talent Pool program of HDFC Bank for three consecutive years (2015-2017).
Interests
Timeline
Cluster Head - HDFC Bank Ltd
09.2017 - Current
Relationship Manager - HDFC Bank Ltd
09.2012 - 01.2017
Credit Analyst - Credit Analysis & Research Ltd, CARE
03.2010 - 09.2012
Operational Risk Analyst - Bank of America Continuum Solutions, BACS
07.2008 - 03.2010
T. A. Pai Management Institute - PGDM, Finance
06.2006 - 03.2008
Goenka College of Com. And Business Adminstration - B.Com. (Hons), Accountancy
06.2002 - 04.2005
Birla Senior Secondary School - XII, Commerce
06.2001 - 04.2002
Birla Senior Secondary School - X,
06.1999 - 04.2000
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