Calyon Bank Mumbai : Relationship Manager, Corporate Banking

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Calyon Bank Mumbai : Relationship Manager, Corporate Banking
Website: http://www.calyon.com

Keywords: Corporate Banking, Relationship Management

Experience: 6 - 10 Years
Location: Mumbai
Education:
UG - Any Graduate - Any Specialization
PG - Any PG Course - Any Specialization
Industry Type: Banking/Financial Services/Broking
Functional Area: Banking, Insurance
Posted Date: 02 Apr 2009

Job Description:
- Relationship Management and Business Development to Large Corporates segment
- To identify suitable clients and develop products to suit their needs that provide the most profitable return to the Bank
- To achieve assets and revenues target for the year
- Cross-sell other products of the Bank including cash, treasury, trade & others.
- Ensure credit quality of the portfolio through regular interaction and analysis.

Desired Candidate Profile:
- MBA/ CA with 6-10 years of relevant experience, preferably in MNC Banks
- Good communication and relationship management skills

Company Profile:
Calyon was formed from the merger of Credit Agricole Indosuez and Credit Lyonnais' Corporate and Investment Banking division. Backed by the Group's credit ratings and financial solidity, Calyon is now a leading player in financial markets.

Calyon has been present in India since 1981. Calyon Bank, India offers a comprehensive range of commercial & investment banking products and services, tailored to the needs of top international and local customers. Corporate and Investment Banking, Capital Markets, Trade Finance, Structured Finance are amongst the core products being offered. International & Regional product lines are available to support Calyon India's local teams.

Calyon Bank ranks amongst the Top 10 foreign banks operating in India and amongst the Top 5 foreign banks for Capital Market products in the country.

Address: Not Mentioned

To apply, send CV to Email Address: e-source@consultant.com

Telephone: Not Mentioned

Reference ID:
CBK-RM

Keywords: Corporate Banking, Relationship Management

[Guest]

Pankaj Kumar
3/478, Malviya Nagar, Jaipur-302017 , Rajasthan, INDIA.
Phone : (M) 00971-50-3657372,(Dubai), (R) +91-141-2520443(India)
E-Mail : pankaj_xaviers@rediffmail.com
CARRER OBJECTIVE
Work professionally and with ethical zeal in Financial Services Sector, thereby leading to a
Career that satisfies my intellect, stretch my abilities and provide growth opportunities by
contributing to organizational goals and values.

PROFESSIONAL SYNOPSIS

- A competent management professional with more than 7 years experience in Corporate Banking, Branch & Retail Banking, Retail Operations, SME & Corporate Credit, Credit Administration, Relationship Management and Client Servicing in banking sector.
- Proficient in heading routine banking operations involving Complete Branch & Retail Banking as well as SME & Corporate Finance.
- Proven track record of establishing & structuring systems/ procedures, thereby contributing in a major way towards augmented growth and profitability levels.
- Possess excellent interpersonal, communication & organizational skills with team management & customer relationship management skills.
- Professional Qualification (MBA) with Strong Product and process knowledge in Banking sector which includes Trade Fiinance , Corporate Lending and Advances, Liabilities and Retail Loans etc.
- In-depth Knowledge & working expertise at latest core Banking Softwares eg, FINACLE 7.0 and Others

WORK EXPERIENCE

ORGANIZATION : HSBC MIDDLE EAST LTD. DUBAI , UAE
Designation : Manager, Business Banking for Sharjah , Dubai
Duration : June 2008 till Date
Responsibilities:
GENERAL FUNCTION: Responsible and accountable for supporting a strong sales and referral environment within the Unit. Promote the Unit growth, personally and through the sales team, through the promotion of deposits, loans, fee-based services and the retention of customers ensuring the Credit Quality
1) Sales/ Relationship Function
Consistently meeting and exceeding profit, deposit and Advances growth figures & Managing credit portfolio (Risk and Revenue responsibility).
Increased revenues to the bank from commercial customers in an assigned territory, primarily through Business Banking Advances and Deposit. Achieved outstanding growth on cross-selling the banks other product offerings.
Maintaining the relationship with existing customers while focusing on actively seeking out new relationships for the bank. Preparing business plans for each account and contingency plans for business attrition.
Identifying business / market opportunities. Recommending business plans to Management & Overseeing the complete loan process.
2) Credit and Risk Function
Reviewing and finalizing credit applications, reviewing credit maturity, monitoring and ensureing compliance with internal / external commitments such as excesses / documentation deferrals / disbursements etc.
Reviewing client files to ensure they are constantly updated in line with the bank’s internal audit standards. Monitoring a track and report on credit portfolio to ensure corrective action is taken to meet credit quality standards.
Managing and liasoning with the credit administration teams to ensure that the facility disbursements are in line with the bank’s overall lending policies and guidelines
3) Supervisory Function
Providing a coaching, feed-back and developing the assigned team members with the objective of developing the resource into a potential Relationship Manager.
Keeping constantly abreast of market developments which impact the credit portfolio (risk and revenue) and recommending for suitable changes (product / process if required.
ORGANIZATION : TATA CAPITAL LTD. , NEW DELHI, INDIA
Designation : Area Credit Manager, SME for NCR, Rajasthan & U.P.
Duration : July 2007 till June 2008
Responsibilities:
Handling entire Credit , Credit Administration and Operations for SME & Corporate Finance Business of NCR , Rajasthan, U.P.
Managed Credit operations for entire region, Monitoring CAM's, Deviation Approvals and Approving and Sanctioning.
Responsible for Meeting Market Customers &Financers & Evaluation of Market & Perform Credit and Reference Checks. Credit Approval as per Authorized Limits & Meeting Appraisers and Valuers etc &Reducing Deliquency.
Conducted visits to client premises to evaluate the creditworthiness and validity of business and management along with the Review of accounts and monitoring their conduct and commitment.
Ensured annual and interim risk reviews are carried out on the portfolio accounts to minimize the risk on NPA (Non Performing Asset) on the relationship & to Perform critical review of Low Performing accounts.
Ensured continuous quality enhancement of the analysis of the call memo/visit reports, presented by the Relationship/Sales Managers.
Managed a team of credit Executives and monitoring their performance to ensure efficiency in process operations. Provide coaching, feed-back and develop the assigned Credit Analyst / Relationship Officer.
Trained sub-ordinates and team members on policy, process and products of the company.
Achievements:-
Awarded as Best Area Credit Manager for the Region Northern India for the year 2007-
ORGANIZATION : HDFC BANK LTD. (ERSTWHILE CENTURION BANK OF PUNJAB LTD.)
JAIPUR, INDIA
Designation : Credit Manager, SME (Advances) for Rajasthan
Duration : March 2002 to June 2007
Responsibilities:
Complete handling of SME Business & Credit Portfolio of Rajasthan
SME Advances – Providing credit facilities (Fund based and non-fund based limits to SME customers. Preparation/sanction of credit proposals and liaison with Corporate Credit team for approvals and disbursements, Includes sourcing new business.
Managed Credit operations for Rajasthan, Monitoring Credit Approvals , Credit scoring, Deviation Approvals and Approving and Sanctioning. This includes Sanctioning of Credit Proposals upto Rs 125.00 Lacs.
SME Banking – Customer acquisition, customizing solutions and managing relationships with SME clients by way of credit Facilities & other Banking Requirements
Income Targets - Responsible for achieving Net Interest margins and Fees income /other income through regular credit facilities as well as other Banking Services.
Portfolio Management – Taking care of the existing relationships and providing value addition through better services, client limit renewals and cross sell products.
Achievements:-
Achievement of Sales as well as Revenue Targets month over month on consistent basis with sanctioning of a portfolio of 75 Crores within a period of six months
Started the locations of Bikaner and Udaipur as a new location of SME Business in Rajasthan.
Maintained NPA % as NIL for the Total Portfolio
EARLIER HANDLED JOB RESPONSIBILITIES
1 ) Product Head (Rajasthan) : Education loan
Complete Handling of Education loan Portfolio at Rajasthan which included
- Credit , Operations and Business Development across the region
- Responsible for development/modification in Product Policy.
Achievements:-
Independently launched Education Loan as a new Retail Product in the Region of Rajasthan
Systematized the process of process Education Loan , Build Strong Team/DMA for Marketing , regularized the process of Collection,200% achievement of Sales Targets month over month on consistent basis
Maintained NPA % as NIL for the Total Portfolio
2) Branch Operations Manager
Responsibilities:
Responsible for meeting Branch sales targets, establishing new business. Motivating employees to reach excellence in customer sales and services, planning sales targets and annual budget in line with the overall objectives, maximizing branch profitability.
Managed operations, processes and people to achieve higher standards of services. And building up strong and continuous relationship with the clients to achieve stipulated customer satisfaction levels.
Responsible for the entire Administrative and Support functions of the Bank including maintenance of Bank’s & Off Site ATMs’ premises, security, leasing, insurance, IT infrastructure, Telecommunication/IT.
Supervised Cash for Branch & off site ATM’s including Cash remittances for ATM’s Supervising Branch TDS Work /Lockers & Other General Banking Operations
Standardized an action plan and tracking measurement mechanism - Tracking and analyzing monthly branch performance, to ensure that branch cross selling target is achieved towards profit maximization.
Team Management – Managed effectively all elements inside the branch related to staff in terms of (Staff planning + Leave + Training + Allocation + Motivating, etc), to ensure achievement of pre set standards for staff satisfaction.
PROFESSIONAL QUALIFICATION

MASTERS OF BUISNESS ADMINISTRATION
Master of Business Administration from Deptt. of Management Studies ,University,Jaswant Campus from Jai Narain Vyas University,Jodhpur with 67% with Major in Finance&Marketing
ACADEMIC BACKGROUND

COURSE BOARD/UNIVERSITY YEAR PERCENTAGE
M.B.A. J.N.V University,Jodhpur, India 2001 67 %
B.Sc Rajasthan University, Jaipur, India 1999 66 %
Sr. Higher Secondary (XII) C.B.S.E. (St. Xavier’s, Jaipur, India) 1995 68 %
Sr. Higher Secondary (X) C.B.S.E. (St. Xavier’s, Jaipur , India) 1995 75 %
COMPUTER SKILLS

Conversant with MS office, Lotus Office, Windows and Internet
In Depth Knowledge & Working expertise at latest banking software FINACLE 7.0

INTERPERSONAL SKILLS

Self starting, self-motivated, proactive and goal-oriented approach
Multi tasking ability and thrive on challenging environment with ability to work to deadlines.
Personal maturity and assured approach
Good written & oral communication and Presentation skills
Strong analytical, troubleshooting skills.

OTHER SKILLS & INTERESTS
Paper presentations in city Level symposium Organized by Department of Management Studies , Jai Narain Vyas University., Jodhpur.
Regularly Authored papers for DMS magazine
Editor of X-Rays, St. Xavier's Magazine.
Organized Xavier's School Fete in year 1993-1995.
Organized Inter School Cultural Week, Festivals & Extempore.
Represented School at different debate and extempore competitions.

PRESENT PACKAGE
Present CTC AED 3.00 Lacs per annum (current position -Band 5 in HSBC) equivalent to Indian Rupees 36.00 Lacs INR , excluding Incentives annual Bonus & other benefits and perks - Negotiable

PERSONAL DETAILS
Date of Birth : 21st July, 1977
Marital Status : Married
Languages Known : English, Hindi, Sindhi.
Passport : E 1505881 Valid Till 2012
Driving License : International Driving, issued from Dubai, valid till Jan 2019

REFERENCES

Available upon request

(Pankaj Kumar)