YASHVARDHAN BHATT
Summary
Finance expert with over 2 years of experience in business banking and financial advisory services. Specializes in working capital financing, SME lending, and credit structuring, with a track record of managing extensive portfolios and acquiring high-value clients. Notable achievements include significant revenue growth and risk mitigation through data-driven insights. Comprehensive knowledge in asset banking, capital markets, debt markets, financial modeling, and M&A fundamentals.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Business Development Manager
Ofbusiness/ Oxyzo Financials
10.2024 - Current
- Originated unsecured credit solutions for SMEs in Gujarat, increasing portfolio by ₹17 Cr in two quarters.
- Established strategic partnerships to enhance regional market penetration and focus on credit quality.
- Conducted comprehensive financial analyses to tailor product offerings based on data-driven insights.
- Developed strategies to increase profitability in the relationship management area.
- Negotiated loan terms with customers while adhering to the company's policies and procedures.
Relationship Manager
HDFC Bank
05.2023 - 09.2024
- Managed working capital portfolio exceeding ₹105 Cr, offering cash credit, term loans, and trade finance solutions.
- Structured working capital solutions while conducting credit risk analysis for over 16 high-value clients.
- Generated ₹16.5 Cr in new business by onboarding NTB clients including HNIs and Pvt Ltd Companies.
- Maintained precise records of client interactions within CRM system to enhance relationship management.
- Facilitated compliance with Basel regulations through stress testing and credit rating assessments post-onboarding.
Customer Care Executive
Teleperformance Pvt. Ltd
05.2021 - 06.2022
- Verified compliance documents for over 20,000 service providers, flagging fraudulent submissions to mitigate legal risks.
- Resolved billing issues and disputes through effective problem-solving techniques.
- Utilized Salesforce and AWS to streamline client data management and improve onboarding processes.
Insurance Advisor
Reliance Nippon General Insurance
01.2019 - 12.2021
- Advised clients on term and life insurance exceeding ₹70 Lacs, focusing on financial planning strategies.
- Earned recognition as "Advisor of the Month" twice for outstanding client engagement.
- Collaborated with underwriters to facilitate timely processing of policy applications.
- Provided guidance on adjustments to existing policies and new market options.
Education
MBA - Finance
Institute of Management Studies (DAVV)
Indore05-2023
Bachelor of Commerce - Economics
Madhav Arts And Commerce College
Ujjain03-2020
Skills
- Financial analysis and modeling
- Competitive analysis
- Sales tracking
- Business development
- Credit risk management
- Microsoft Excel and PowerPoint
- CRM tools: Salesforce and AWS
- Client due diligence and KYC compliance
- Risk mitigation and compliance
- Relationship management
- Problem solving
- Financial structuring
- Data-driven insights
- Risk analysis
- Team leadership and collaboration
- Customer satisfaction strategies
- Strategic thinking and sales execution
- Credit risk assessment
- Strategic partnerships
- Portfolio management
- Client onboarding
- Revenue generation
Certification
- Insurance Advisor Certificate — from the IRDA (Insurance Regulatory and Development Authority) exam conducted by the IRDA for a license to sell insurance
- Artificial Intelligence Workshop AI4U — VIT Bhopal covers key machine learning and AI concepts, from classification and linear regression to neural networks and adaptive training techniques
Accomplishments
- Common Management Admission Test (CMAT) 2021 — from National Testing Agency, India (NTA) modules: quantitative ability, English, DILR, general knowledge, scored 93.3 percentile
- Data entry operator, certificate — from PMKVY (Pradhan Mantri Kaushal Vikas Kendra) received training in basic computer and M.S. Office, including M.S. Excel intermediate - scored 82%
Languages
Hindi
First Language
English
Proficient (C2)
C2
Timeline
Business Development Manager
Ofbusiness/ Oxyzo Financials
10.2024 - Current
Relationship Manager
HDFC Bank
05.2023 - 09.2024
Customer Care Executive
Teleperformance Pvt. Ltd
05.2021 - 06.2022
Insurance Advisor
Reliance Nippon General Insurance
01.2019 - 12.2021
MBA - Finance
Institute of Management Studies (DAVV)
Bachelor of Commerce - Economics
Madhav Arts And Commerce College
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