Ujjawal Jain

Experience

• 

  Srei Infrastructure Finance Limited

  Jan 2013 - Jun 2013

  Internship ''Asset Financing In SME''

  • Understand the process of the Company/Industry Specific.• To gain a detailed knowledge of the Selling skills and business cycle in SREI.• Understanding and Implementation of Financial Documentation.• Understanding Product and Providing Structured financial Solutions.• Fundamental Analysis of Customers by Understanding Credit Appraisal Methods of the Company.

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  Srei Infrastructure Finance Limited

  Dec 2013 - Dec 2014

  Management Trainee

  • SME Accounts relationship management, Providing after sales service & New Business development for SME customers• Understanding Customer Requirement and providing Financial Solution• Vendor Relationship Management• Collections(Keeping Track of Customer OD,ensuring Timely Payments)• Credit appraisal(Preparing Credit Appraisal Memorandum,Evaluating Customer Financial Credibility by Financial Analysis Tools and Fundamental Analysis,SWOT Analysis,Preparation of Transaction Structure to Mitigate Risk• Excel Modelling Structuring Structured Financial Solutions• Pre & Post disbursement Operation• Business process management Show less

• 

  DCB Bank

  Dec 2014 - Apr 2022

  • Training guiding and coordinating with the team to achieve the given sales target• Initiatives & vision in respect of business development & leadership• Managing and deepening relationships with existing customers• Acquisitions of new assets relationships thru team• Managing existing relationships profitably• Maintaining quality of existing assets• Earning fee based income through cross selling of various products of the bank.• To increase customer base of the bank• Achieving Trade Finance volume as per predetermined targets.• To ensure quick resolution of customer issues. Show less • Responsible for active focus on asset book growth, fee income generation, maintaining healthy interest margins, promoting growth of book size• Generating the quality customers for working capital finance (both fund based & non fund based) for SME/Mid-Market/Large Corporates.• Analyzing the business model of the prospects for appropriate credit facility. • Assessment of both fund based (Line Of Credit, Term Loan, Overdraft , Cash Credit, Bills Discounting) as well as non-fund based ( Letter of Credit , Bank Guarantees etc) for the existing clients as well as new clients.• Assessment includes preparing Credit Note/ Appraisal Forms including Financial/Business/Industry analysis/Rating & presenting it to the Risk Team/Committee• Managing the relationship by serving day to day operational requirement of the client.• Regular monitoring of overdues and intensified loans and problem loans (Potential NPA Clients). • Monitoring the portfolio by daily large transaction annotation, regular CIBIL checks, account churning, monitoring stock audit report, coordinating with the consortium/multiple banking partners. • Recommend & introduce new services e.g. Cash management services, treasury etc. with an objective to engage customers & generate fee income. Show less

  • Area Manager - SME Banking

    May 2019 - Apr 2022

  • Area Manager - SME Banking

    Apr 2017 - May 2019

  • Portfolio Manager-SME Banking

    Dec 2014 - Mar 2017
• 

  IDFC FIRST Bank

  Apr 2022 - Sept 2023

  Cluster Head - Business Banking

  Handing a team with focus of maintaining existing portfolio (Book growth, Renewal, Compliance, Credit Underwriting, etc.) and acquiring the new MSME/SME working capital customer for upto 250 cr turnover.

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  Axis Bank

  Aug 2023 - now

  Area Sales Manager - Portfolio

  Handing a team with focus of maintaining existing portfolio (Book growth, Renewal, Compliance, Credit Underwriting, etc.) and acquiring the new MSME/SME working capital customer.