ARVIND KUSHWAHA
Email :arvindkushwaha231 AT gmail.com
RESULTS :
focused banking professional with advanced sales skills, understanding of marketing and remarkable customer service abilities. Capable of promoting new offerings to current and potential customers, as well as capitalizing on market trends with a proactive and driven mindset. Highly organized and focused with excellent relationship-building and problem-solving skills. Dedicated to exceeding sales objectives on a regular basis by pursuing leads and developing accounts. Adept atgenerating new revenue streams through networking, cold calling and promotional strategies.
PROFILE & STRENGTHS :
** Quick learner, highly energetic and motivated aspiring to become a sound and successful professional in the areas of my interest
** Strong problem solving & analytical skills with the flexibility to work cohesively as part of a multidisciplinary team, complimenting the skills of others
** A systematic, organized, hardworking and dedicated team player with an analytical bent of mind determined to be a part of a growth-oriented organization
CORE COMPETENCIES :
Working Capital, Business Banking, Trade Forex, Kyc-Aml, Import-Export, International Business Management, Retail Assets Etc.
PROFESSIONAL EXPERIENCE :
Kotak Mahindra Bank Limited- Dec 21 to Till Date
Senior Manager- Working Capital
** Understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc.
** Work closely with Branch Banking teams for new customer addition.
** Penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies.
** Build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence.
** Focus to continually increase the Book size and profitability of the assigned portfolio.
** Understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships.
** Be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market
** Maintain high caliber client service.
** Improve efficiency by monitoring & overseeing continuous improvement of processes
** Constantly have a rapport with the operating units to customize and develop solutions
** Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement, including deferral closure
** Customer negotiation on rates and other issues relating to charges.
** Co-ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Buyers credit, TOD's.
** Co-ordination with local Ops for disbursement of a case, TOD limit setting, submission of Stock Statement
** Housekeeping including CAM renewals, deferral closure, Call memos, stock statements, insurancerenewals, Plant visit, Site visit etc.
** Stressed accounts / Exit account management, follow-up and regularization of TODs
** Preparation of customer profiling sheet.
** Supported the end-to-end credit management process and submitted complete loan documentation and supported credit originations, ensuring credit compliance.
Deutsche Bank AG- Jan 2017 to Dec21 :
Sales Manager- Trade and Working Capital
** Generated business and acquired new customers through diverse promotional, outreach and sales strategies.
** Met with clients to generate new business banking products, High Value Current Accounts, Trade Accounts, Working Capital (Fund Base and Non Fund Base), Trade Finance Products, Retail Assets Etc...
** Delivered an exceptional experience and maintained productive relationships with existing Ultra HNI clients.
** Structured and finalized secured and unsecured loans.
** Met with customers to assess needs and propose customized solutions.
** Maintained friendly and professional customer interactions.
** Executed customer transactions, including Wire Transfer, Swift, Inward and Outward Remittances,
** Utilized prospecting techniques to identify potential clients and create opportunities to sell financial services.
** Supported the end-to-end credit management process and submitted complete loan documentation and supported credit originations, ensuring credit compliance.
** Built and maintained relationships with new and existing clients while providing a high level of expertise.
Indusind Bank Ltd, Delhi Nov 2015 to Jan 2017 :
Asst.
Relationship Manager (Emerging Corporate)
** Achieve the Acquisition Sales Targets set in terms of NTB, Value & product mix, within defined Quality Parameters.
** Individually acquire new to bank premium relationships for the bank through Trade accounts, current accounts & working capital products.
** Provide professional customer service to achieve a high percentage of customer satisfaction and retention.
** Achieve Sales call plans to acquire large prospective customer
** Generate new business to achieve defined sales targets.
** Required Activities conducted in respective localitiesalso Responsible for Achieving sales target CASA and self sourcing
ING is Now Kotak, Delhi Jan 2015 – 21 Nov2015 Acquisition Manager (Current Accounts) :
** Responsible for business development & sales and promotion of current accounts and other banking products.
** Achieving the cross-selling target of Fixed Deposits and savings account targets.
** Setting high level of banking standards in order to serve the customer in proper manner also adhering KYC norms
** Required Activities conducted in respective localitiesalso Responsible for Achieving sales target CASA and self sourcing
** Provides timely feedback to Sales Manager regarding Customer feedback.
** Maintains contact with all clients in the market area to ensure high levels of client satisfaction.
** Develops a business plan and sales strategy for the market that ensures attainment of Company sales goals and profitability.
EDUCATIONAL CREDENTIALS :
** Master of Management Studies from Institute of Chartered Financial Analysis of India,
** Graduated from B R A University
PROFESSIONAL CERTIFICATIONS :
** Diploma in Banking and sales management from ITM university
** Certification in Import Finance : Guidelines under FEMA (Buyer's & Supplier's Credit) from CRISIL
** Certificate in examination Anti-Money Laundering& Know Your customer from IIBF
** Certificate in examination Foreign Exchange Management Act.1999 (FEMA)
** Compliance - Global Anti-Money Laundering (XS COMAML) from Thomson Reuters
ACHIEVEMENTS :
** Recieved MD award for acquisition of high value MSME clients and increasing acquired portfolio
** Best participation award from ZT-Head for spectacular performance
** Certificate of Excellence for Excellent Performance in Revenue during financial year 2017-18.
** Many more Certificate of Appreciation for meritorious performance in contests driven by the bank
DECLARATION :
I hereby declare that all the above information’s mentioned above are true to the best of my knowledge
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