Mahima Jain
Summary
To work in challenging environment that facilitates learning, enriching knowledge and developing skills which will benefit the organization and facilitate career growth. To be part of an organization where growth and prospects are extensive, individual is recognized by work and motivates the individual to integrate knowledge and skills to achieve the organizational goals. Industrious, competent & result-oriented Banking professional offering more than 18 years of rich experience in Trade Operations, Branch Management, Team Management, Customer Relationship Management & Business Development Activities. Effective communicator with good analytical, inter-personal, organisational & mentoring skills. Skilled in implementing operational plans with a view to penetrate new accounts and expand existing ones in close coordination with cross-functional teams. Build a strong relationship with all stakeholders e.g. Product, Sales, Compliance, Technology, etc. for better customer service. Setting up of system, processes, and controls.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Head – Operations & Trade Finance
HDFC Bank Limited
Singapore
08.2024 - Current
- Working as an experienced leader for Overseas Branch Operations, Treasury Operations, Regulatory Reporting and Trade Finance Operations.
- Responsible for managing a team of Overseas Operations and providing end to end Support to all stakeholders for ensuring smooth branch operations.
- Managing MIS and Data Management. Ensuring MIS are being published to internal stakeholders / senior management / external regulatory bodies for having effective control.
- Submission of regulatory reporting to MAS for the branch. Preparation and submission of reports and details as and when sought by various statutory regulatory authorities such as RBI and MAS.
- Handling Trade Finance products and providing Advisory. Structuring of Trade Finance Products by profiling of Credit and Commercial Risks related to underlying transactions.
- Acting as Relationship Manager for Trade Finance products for Corporate and Correspondent Banking Relationship and provide support to Branch business team for market deepening and penetration and building inter-personal relationships for achieving business goals.
- Working with Audit Team to review and devise mechanisms to mitigate various Operational Risks. Ensure clean audit report of both internal and external auditors.
- Responsible for formalising process and policies for various operational activities and products and carrying out RCSA and KRI for the processes implemented at branch level.
Decentralized Location Head, Trade Finance & CMS Operations
HDFC Bank Limited
Gurgaon
09.2018 - 08.2024
- Managing and handling trade finance operations and CMS operations for more than 400 Corporate clients based in and around Gurgaon. Handling team of around 40 employees.
- Structuring of Trade Finance Products by profiling of Credit and Commercial Risks related to underlying transaction.
- Providing TF advisory services to our constituent in time bound manner and assisting other locations in exigencies by processing their transactions.
- Arranging regulatory approvals for complex Current Account Transactions and assisting Corporates for handling trade transactions as per the laid down regulatory framework.
- Meeting customers for penetration and deepening and building inter-personal relationships for achieving business goals along with closure of regulatory pending items.
- Preparation and submission of reports and MIS as per regulatory requirements / internal consumption / business usage. Reporting of outstanding with business vertical and clients to ensure proper limit utilization.
- Managing EDPMS / IDPMS / GR waiver and MTT related MIS for Delhi NCR for Corporate Segment.
- Promoting usage of Digital platform for faster and better service delivery to Corporates. Providing end to end solutions for digital usage. Part of Regional UAT and implementation team for new processes and system enhancements.
- Responsible for overall development and growth of female workforce in the region. Developing and nurturing future female leadership line in the organisation.
Associate Director-1, Senior Trade Finance Specialist, Head-Regional CPUT
IDFC Bank Limited
Gurgaon
05.2018 - 09.2018
- Handled Trade Finance operations for Gurgaon Unit covering North & East India comprising more than 20 officers.
- In-charge of the second TF Location in the country and acting as back-up for Mumbai Location.
- Leading, motivating and showing the way for the team to perform and excel.
- Advisory role for other Trade Finance locations pan-India.
- Suggesting, guiding and implementing process improvements, leading to better efficiencies.
- Responsible for setting up of system, processes and controls.
- Assisting Product, Intech and other stakeholders in UAT and other set ups.
- Advising Branches and Business groups in trade transactions.
- Stakeholder Management.
Assistant General Manager, Trade Finance, Specialized Corporate Branch
IDBI Bank Limited
New Delhi
06.2014 - 05.2018
- Worked as Unit Head – Trade Finance Operations, Specialised Corporate Branch Gurgaon Unit covering North India comprising more than 10 officers.
- Engaged in managing trade finance operations for Corporate and Retail clientele, PSUs, Correspondent Banks and various cooperative banks across Delhi NCR.
- Acted as Nodal Officer to 11 TF centres tagged to North Regional Office, New Delhi.
- Handling product queries with Nostro Banks and proper liaisoning with Correspondent and Nostro Banks to ensure timely and effective resolution of queries and maximising business.
- Responsible for system enhancement and instrumental in refining the procedures which helped in smooth implementation of GST, EDPMS and IDPMS. Worked as part of Core team for responsible for upgradation of Finacle 7.0 to Finacle 10.0
- Training and Mentoring new team members and replacement staff. Imparting Training at Regional Training Centre and Branch Level on Trade Finance Products and Management of associated Risks.
Manager, Branch Head – Business Branch Banking, Kandivali-West
IDBI Bank Limited
Mumbai
01.2014 - 06.2014
- Worked as Business Banking Branch Head and managing branch team of around 20 officers.
- Monitoring of Branch performance and focusing on relationship building, deepening key accounts and managing branch book along with retail loans.
- Carrying out credit assessment and approving retails loans such as Loan against Securities, Loan against third party products, Overdraft against fixed deposits, Housing Loan, Educational Loan, Auto Loan and Personal Loan within Branch Head delegation powers.
- Implementation of Business Banking product marketing strategy with specific focus to Trade Finance, CMS products and Third Party Product.
- Efficiently providing service to customers by guiding them on the features and benefits of various banking products and investment avenues.
- Monitoring the profitability of products & ensuring that every relationship and every account within the relationship handled is profitable.
- Formulating long term/short term strategic plans to enhance operations.
- Conducting competitor analysis by keeping abreast of market trends & competitor moves to achieve market share.
- Ensuring the achievement of the Key Sales Indicator (KSI) target as performance parameter of each profit centre branch of the distributor.
Manager, Relationship Manager / Service Operations Manager, Warden Road
IDBI Bank Limited
Mumbai
11.2006 - 01.2014
- Worked as Relationship Manager handling corporate clients of the branch and deepening key accounts and managing current account and corporate salary accounts for the clients.
- Handled Loan against Securities, Loan against third party products and Retail Loans such as overdraft against fixed deposits, Housing Loan, Educational Loan, Auto Loan and Personal Loan within Branch delegation.
- Managing team of 2 sales team leaders having 20 members and 2 tele-callers under them for CASA products team of 5 members for selling Third Party Products, 3-in-1 trading a/c and LAS.
- Working in co-ordination with the Capital product team for the launching of various campaigns for LAS and Demat accounts and in providing suggestions and support for product modifications on regular basis.
- Handling of Legal and Audit compliance reporting including Concurrent Audit of the Branch, NSDL Audit for DP operations, AML and other audit compliances.
- Servicing of the Retail Banking operations of the Large & Mid Corporate clients and Venture Capital Group of the Bank (Operations related to Trade Finance functions).
- Servicing of the business banking and trade finance accounts (like Remittances, Bank Guarantee and Letter of Credit).
Education
MBA - Finance
Rajasthan University
01.2006
B. Com Honors - ABST
Rajasthan University
01.2003
Skills
- Adviser to Peers and superiors on complex transactions
- In-depth knowledge on banking systems, processes and products
- Knowledge of Competition & Current trends in financial Industry
- Prior experience Banking operations across multiple verticals
- Working knowledge of Indian and Singapore regulatory and KYC guidelines
- Strong interpersonal and stakeholder management skills
- Ability to work well in a team as well as contribute individually within stipulated timelines
- FEMA Expert, adept in ICC related publications and identifying TBML transactions
- Cool Headed during crisis situations leading to objective resolutions
- Excellent adaptability for new role and skills as per role requirement
- Ability to learn and acquire new skill set required for handling multiple roles and assignment
- Possess motivational management style with a record of building effective teams
- Expertise in working in multicultural environments with distinction of understanding & exploring the needs and requirements of the clients and providing them need-based services
- A keen planner & true believer in teamwork with expertise in establishing & managing excellent relationship building & interpersonal skills
Certification
- Pursuing CAMS certification.
- Finacle-Train the Trainer Program.
- Certificate Course in Foreign Exchange (IIBF & FEDAI) certified since January 2018.
- Certificate in SME Finance for Bankers (IIBF) certified since December 2012.
- Certificate in Foreign Exchange Facilities for Individuals (IIBF) certified since December 2012.
- Certificate in AML & KYC (IIBF) certified since June 2012.
- Certificate in Trade Finance (IIBF) certified since June 2009.
- Certified Associate Of Indian Institute of Banking (CAIIB) certified since June 2009.
- Insurance Regulatory and Development Authority (IRDA) certified since June 2008.
- BSE’s certification in CDSL certified since October 2007.
- Depository Module & Derivative Module (NCFM) certified since April 2007.
- AMFI - Mutual Funds (Advisors Module) certified since January 2007 AMFI - Mutual Funds (Advisors Module) certified since January 2007.
Timeline
Head – Operations & Trade Finance
HDFC Bank Limited
08.2024 - Current
Decentralized Location Head, Trade Finance & CMS Operations
HDFC Bank Limited
09.2018 - 08.2024
Associate Director-1, Senior Trade Finance Specialist, Head-Regional CPUT
IDFC Bank Limited
05.2018 - 09.2018
Assistant General Manager, Trade Finance, Specialized Corporate Branch
IDBI Bank Limited
06.2014 - 05.2018
Manager, Branch Head – Business Branch Banking, Kandivali-West
IDBI Bank Limited
01.2014 - 06.2014
Manager, Relationship Manager / Service Operations Manager, Warden Road
IDBI Bank Limited
11.2006 - 01.2014
MBA - Finance
Rajasthan University
B. Com Honors - ABST
Rajasthan University