Ranjith Kumar

Experience

• 

  State Bank of India

  Jun 2000 - Mar 2013

  •Credit assessment, appraisal and presentation of loan proposal to appropriate authority, loan documentation, legal documentation, pre-sanction/post-sanction formalities and periodical inspections with NIL Non-Performing Assets•Administered loan books of USD 750 million and day to day operations, control, monitoring and reporting•Spearheaded Trade Finance Operations – Letter of Credit issuance/advising, handling underlying documents, Bank Guarantee issuance/advising, Bill Discounting/Negotiation, Bill Collections, Buyer’s Credit, Remittances and Nostro reconciliation•Successfully achieved Letter of Credit advising business conversion of 80% into Bank’s books by introducing and adopting strategic beneficiary marketing approach•Provided coaching, direction and leadership to team members in order to achieve business resultsActively participated as a member of the Branch Credit Committee Show less •Issuance of Import Letter of Credits, scrutiny and handling of underlying documents.•Advising of export Letter of Credits, scrutiny and handling underlying documents. •Payment / realisation of Bills on respective due dates. Meticulous follow up of overdue bills.•Issuance of Bid Bond, performance and Financial Guarantees.•Maintain MIS on all Trade Finance activities for on-going monitoring of expiry, non-payment, overdue etc. •Booking / Delivery of Forward Contracts.•Inward and Outward foreign currency remittances. •Cordial Relationship and Liaison with Nostro Correspondents for various currencies to ensure timely settlement. •NOSTRO reconciliation.•Authoriser / Verifier in SWIFT system. Show less •Post-sanction Operations / Overall Delivery platform for Corporate Clients.•Periodical MIS production and monitoring of reports related to Bills, Bank Guarantees, LC’s, FC’s etc.•Reconciliation of Internal Accounts / System Suspense Accounts.•Inland Trade Finance operations – Issuance / Advising of Letter of Credits, Handling underlying Bills, Issuance Bank Guarantees etc.•Inland Remittances – Issuance of Payment Instruments / NEFT /RTGS, Cash Management Products.•Preparation of CAR Returns, attending to quarterly Statutory Audit / Internal Audits.•Preparation of P-report, monthly returns and balancing of Books. Show less

  • Manager (Credit Operations & Trade Finance)

    Mar 2011 - Mar 2013

  • Deputy Manager (International Banking & Trade Finance)

    Feb 2008 - Feb 2011

  • Assistant Manager - Credit Operations and Client Services

    Jan 2007 - Jan 2008

  • Assistant Manager - Trainee Officer

    Nov 2004 - Dec 2006

  • Personal Banker

    Jun 2000 - Oct 2004
• 

  Axis Bank

  Jul 2013 - Oct 2018

  Operations Manager (Trade Finance - Corporate and Syndicated Loans)

  •Established operating model for Corporate Banking Operations and Trade Finance Operations in line with the local regulatory guidelines of the geography•Successfully implemented Operations and directed SOX Compliant Operational Process, System and Procedures in all operational areas•Spearheaded operational functionalities of four department’s viz. Corporate Banking, Trade Finance, Treasury and Retail Banking. In charge of day to day operations, loan administration, account maintenance, control, monitoring and reporting. •Directed loan administration for a portfolio of USD 800 million comprising of 90 accounts (which includes 18 syndicated loans as lead arranger and 45 syndicated market participations). Held dual responsibility of lending Bank’s operations department as well as Agency desk for the syndicated loan portfolio •Managed Trade Finance Operations - Letter of Credits issuance/advising and handling underlying documents, Bank Guarantees, Bills Discounting / Negotiation•Overseeing Corporate and Retail client on-boarding. Conducted Customer Due Diligence in strict compliance with KYC / AML policy and laid down risk regulatory framework and governance. Responsible for further Enhanced Due Diligence procedures - risk rating reviews and on-going transaction screening/monitoring. Directly reported to MLRO (Principal Officer of the Bank)•Ensured that credit administration activities are conducted within stipulated time lines. •Responsible for preparing MI reports to apprise Top Management of the business performance and assisting in formulating future objectives and enhancement in operational processes, policies and procedures. Achieved full automation of MI, daily reports, customer advises and internal/external returns •Key responsibility in Nostro accounts maintenance, custody and reconciliation Show less

• 

  WNS Global Services

  Jun 2022 - now

  Deputy Manager - Operations (International Trade Finance)

  Heading Teams managing Trade Finance operations in USA, Singapore and Hong Kong.• Overseeing:- Import Letter of Credit Issuance- Export Letter of Credit Advising- Guarantee Issuance and Advising- SBLC Issuance and Advising- LC Bills (Imports / Exports)- Collection Bills (Outward / Inward)- Trade Payments and Settlements- Document Checking- Inward and Outward Remittances• SLA Management and Periodic Reviews• Control, Monitoring and Reporting of day to day activities• Additional Management of Syndicated Loans (APAC)• Client Interactions and Relationship Management • In-house Team Management, Domain and Process Trainings Show less