Imteyaz Alam

Experience

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  IndusInd Bank

  Apr 2013 - Nov 2015

  Chief Manager - Channel Finance

  • Driving complete business development for assigned catchment/ territories through formulation of best suited strategies for channel finance business and development of various sourcing channels.• Sourcing business through of channel finance & new corporate tie-ups, implementing strategies to enhance market penetration and business volumes.• Manage end to end sales life cycle tapping prospects, analyze their requirements, rendering advice, negotiating commercially and ensuring timely disbursement of loan documents to the customer.• Driving cross-sell business on existing SCF customers by way of referral, top ups, WC and other asset and liability products.• Track customer complaints/ queries & turnaround time for customer satisfaction, reconciliation & transaction process streaming through effective coordination with different verticals.• Maintain complete relationship for assigned customer accounts & strengthening customer bounding with bank.• Recommendation the cases to approving authorities and take them up to logical conclusion and disbursement.• Implement and maintain complete control i.e financial analysis of statements of accounts, documentations, periodic client visit/ call reports, stock inspection and formal credit checks/ informal market feedback to manage the unit’s portfolio effectively.• Undergo an annual credit review process for existing portfolio to achieve a satisfactory rating for a unit vis-à-vis asset portfolio quality and credit management. Show less

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  Axis Bank

  Nov 2015 - Jul 2018

  Service Relationship Manager - SME

  Role• Managing a portfolio of credit relationship residing in SME business group.• Relationship management of the customers in the portfolio assigned, including(a) Complete ownership of client relationships in the portfolio.(b) Cross sell of liabilities products.(c) Cross sell of other asset products and non-income products in the portfolio(d) Attending to credit and non-credit customers requirement on a day to day basis(e) Regular monitoring, customer visit & follow ups to ensure health of the portfolio.(f) Timely renewals/ enhancements & interim/ ad-hoc credit limits as per client needs.(g) Responsibility for update housekeeping for the credit relationship. • Sourcing and conversion of new credit relationships as well as growing the existing relationships in value through enhancements/ additional facilities/ cross – sell.Responsibilities• To manage and enhance existing working capital portfolio and solicit acceptable new relationships in order to meet the pre-set financial and non-financial objective• Establish new borrowing relationships for the Business Banking (SME), preparing the required credit and financial analysis as per the bank policies and procedures to enhance the bank’s market share• Spread and analyze financial statements preparation of credit application, documentations and amp post- sanction monitoring through periodic account review/ renewal.• Manage the existing loan portfolio to ensure establishment of appropriate account plans, recommend credit facilities in line with bank’s credit policy to maximize earnings while containing risks to acceptable level. Show less

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  YES BANK

  Jul 2018 - Jul 2022

  Senior Manager - Corporate Lending

  • Fulfilling lending needs of client by providing solutions like, business working capital, loan against property, unsecured loan.• Assessing financials, credit worthiness and creating credit approval memorandum for SME.• Monitoring and review of clients at periodic intervals.• Keeping check on operational and financial conduct of accounts for detection of early warning signals.• Catering working capital needs and activity involved in trade transactions of client.• CAM preparations and timely renewals, obtaining and closing deferrals, plant and site visit and preparation of call memos, obtaining and deciphering stock statements, quarterly results, insurance and trade overdraft management.• Ensuring quality of portfolio. Be on the lookout of stress sign in client operations/ activity and address them.• Other activity including documentations per-sanction and post sanction. Customer negotiation on rates and other terms. Updating LTS and conversion of leads, customer profiling sheet and identifying cross sell/ revenue increasing opportunity. Regular Branch interaction, daily servicing of customer. Call memo preparation and site visit/ plant/ property visitation. Show less

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  Invoicemart

  Aug 2022 - Mar 2024

  RM - Large Corporate & PSU an Axis Bank TREDS Portal

  • Managed the portfolio of INR.2500 Crs and the majority exposures in the top listed companies of BSE and NSE Index.BBB & above credit rated Corporate & PSUs mainly starting from INR. 500.00 Cr and above turnover companies for registration on TREDS exchange.• Healthy relationships with the CEOs, CFOs and the finance team to get the corporate onboarded.• Organizing MSME vendors meet who are supplying their products or services to the respective Corporate and PSUs for their registration and training to explain the working and benefits for the registration on TReDS exchange.• Coordinate and close monitoring on the uploaded invoices by the Corporates, PSUs and vendors on the platform to arrange timely bidding in line with FI team and banks. Show less

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  American Express

  May 2024 - now

  Specialist - Account Receivables System II Business Development II PAN INDIA

  # Credit solutions.# Merchant setup.# Channel partners merchant setup.