Madhur Rathi
Banking and Finance Professional
Bengaluru
Summary
Experienced Corporate Banking professional adept at fostering and maintaining client relationships. Skilled in identifying client needs and providing effective solutions, with strong track record of increased client satisfaction and loyalty. Demonstrated ability to communicate effectively and manage complex client portfolios.
Overview
9
9
years of professional experience
6
6
years of post-secondary education
2
2
Languages
Work History
Relationship Manager, Large Corporates
YES BANK LTD
09.2021 - Current
- Managing a portfolio of large corporate clients having credit exposure with YBL, with a minimum turnover of 1500 crores/ borrower, across industries like Education, IT services, Healthcare, EPC, Ecommerce and FMCG.
- Preparation of credit appraisal memos and other internal memos for reviewing and enhancing asset relationships across both fund based and non-fund based exposures
- Partnering with other corporate/ CMB teams like Credit Admin team, Risk Management, Mortgage, Legal, Corporate service desk and Compliance to execute routine business transactions, disbursements and other operational activities
- Analysing control environment factors including periodic reviews, Early warning signals, Audit exceptions and other hygiene processes, policies and procedures associated to market or credit risk
- Conduct in-depth valuations for not highly comfortable credit exposures based on parameters like industry cyclicality, seasonality or any other internal/external risk
- Liaising with Product and Risk teams on aspects of maintaining portfolio hygiene and minimizing counter-party risk by sizing of limits, optimizing collateral requirements and negotiating credit terms in legal agreements
- Manage the entire life cycle of loan review systems built across costs, pricing, margins, variable contributions, growth results, and consequently representing proposals to respective sanctioning authorities in committee meetings and obtaining relevant approvals within the stipulated timelines
Commercial Banking
CITI BANK N.A.
01.2019 - 06.2021
- Manage, sustain and grow a portfolio of non-financial commercial customers building long term relationships and delivering business performance on assigned parameters
- Ran P&L based growth and value based selling by focusing on business development across both assets & liabilities products such as CMS, Trade Finance, Treasury Solutions, and Investment Advisory Services
- Formulate outbound and inbound sales plan to acquire and manage Commercial Banking clients leveraging bank's digital platforms developed for providing Cash management services, Digital Banking and Fx Pulse for their foreign currency needs
- Worked closely with Product and Risk partners to develop a broad understanding of a portfolio of MNC Subsidiaries and New Age businesses under the One World Leap (OWL) programme
- Ensuring highest customer retention and increase in wallet share by constantly monitoring customer's behaviour and suggesting suitable business solutions
Financial Institutions Group
AXIS BANK LTD
06.2017 - 01.2019
- Lead projects related to inward and outward payment remittances through Cash Management Services with correspondent banks maintaining Vostro and nostro relationships
- Lead outward trade payment solution for ACU dollar payment processing to Bangladesh, Sri Lanka and Pakistan through Nostro/ Vostro account
- Worked on streamlining product proposition of Vostro account offerings to overseas correspondent banks such as onboarding process, adding various process automation related to inward and outward remittances
- Responsible for conceptualization of Process Change for Indo-Nepal and Indo-Bhutan retail and trade remittance mandates, Seeking in-principle approval from Product Management through preparation of Change Management Committee Notes
Summer Trainee
AXIS BANK LTD
04.2016 - 06.2016
- Worked as a management trainee for the role of B2B sales in the Transaction Banking Division
- Served as primary contact to client contacts on ad-hoc analyses and understand and respond to questions on content, basic data issues/questions related to trade products like LCs, BGs, SBLCs, Term Loans, Foreign Currency Term Loans, and Working Capital Loans.
Education
MBA - Finance
Goa Institute of Management
Goa 01.2015 - 01.2017
CA IPCC - Financial Accounting And Management
ICAI
Kolkata 03.2011 - 08.2012
BCOM (Hons.) - Financial Accounting
University of Calcutta
Kolkata 01.2011 - 01.2014
HSC - undefined
ISC
SSC - undefined
ICSE
Personal Information
- Age: 28
- Gender: Male
Timeline
Relationship Manager, Large Corporates
YES BANK LTD
09.2021 - Current
Commercial Banking
CITI BANK N.A.
01.2019 - 06.2021
Financial Institutions Group
AXIS BANK LTD
06.2017 - 01.2019
Summer Trainee
AXIS BANK LTD
04.2016 - 06.2016
MBA - Finance
Goa Institute of Management
01.2015 - 01.2017
CA IPCC - Financial Accounting And Management
ICAI
03.2011 - 08.2012
BCOM (Hons.) - Financial Accounting
University of Calcutta
01.2011 - 01.2014
HSC - undefined
ISC
SSC - undefined
ICSE
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