Vineet Kumar Yadav

Portfolio Size: ₹250 Crore

• Client & Revenue Growth: Managed a portfolio of ₹250 crore for SME & Mid Corporate loans, driving revenue from existing relationships and new customer acquisition.
• Deal Sourcing & Trade Finance: Structured and sourced deals across Trade and Treasury Products, including Bill Discounting, Bank Guarantees, Letters of Credit, Cash Credit, Overdrafts, and other business banking products.
• Credit Structuring & Risk Management: Structured credit facilities to balance customer needs with the bank’s risk appetite while ensuring compliance with lending policies.
• Credit Approval & Documentation: Prepared Credit Approval Memos (CAM), facilitated deal sanctioning, and managed pre- and post-disbursement documentation, including deferral closures.
• Cross-Selling & Portfolio Expansion: Promoted cross-selling of liability products, corporate salary accounts, asset products, and third-party products (TPP) to enhance client relationships.
• Stressed Account Management: Monitored, followed up, and regularized temporary overdue accounts, ensuring proactive exit and resolution strategies.
• Treasury Sales & Support: Assisted retail branches in treasury sales and customer treasury management to optimize financial solutions for clients.

• Managed 6 branches for SME loans in terms of managing existing and onboarding of new customers basis leads generated by branch
• Financial assessment, credit appraisal and structuring working capital limits for clients backed by collateral/ liquid asset
• Building relationship with key persons (CFOs/Promoters) in the target segments and build client's trust & confidence
• Credit approval memo (preparation) and query resolution
• Collaborate with the Risk, Operations and Service Teams to ensure delivering better TAT of Loans delivery and smooth on-boarding of clients
• Regular monitoring of House Keeping closing deferral pertaining to post renewal queries raised by credit, Updating daily MIS report, CRM and Client Visits
• Recommended, developed, and implemented policies and programs that guide the organization in maintaining and improving its competitive position and profitability
• Performed analysis of the client's financial history, identifying areas of improvement and providing recommendations

• Sourcing secured and unsecured working capital business from allocated branches and Channel Partners
• Handling team of 3 executives for sourcing business for allocated channel and branches
• Responsible for getting appropriate valuation from empaneled valuer and responsible for Legal clarification as well
• Responsible from client service to disbursement
• Cross sell of banking product

• Sourcing secured and unsecured working capital business from allocated branches and Channel Partners
• Handling team of 5 executives for sourcing business for allocated channel and branches
• Recommended, developed and implemented policies and programs that guide the organisation in maintaining and improving its competitive position and profitability
• Performed analysis of the client's financial history, identify areas of improvement and provided recommendations
• Cross selling of banking products

• Sourcing business from allocated branches and Channel Partners
• Responsible for getting appropriate valuation from empaneled valuer and responsible for Legal clarification as well
• Responsible from client service to disbursement
• Regular meetings with clients to formulate strategies on deepening the relationship further and feedback and replenishment of the portfolio basis references and cold calls

• Team Coordination with every Vertical/Departments
• Sourcing Business from multiple Asset products such as bill discounting/ Invoice Funding/ Ecommerce lending / Merchant Cash advance or LACR through Internal Team & Channel Partners
• Responsible for end-to-end process on lead generation to its closure through team
• Responsible for client handling, disbursement and collection
• Responsible for maintaining the IRR of the Branch