Summary
Overview
Work History
Education
Personal Information
Timeline
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Santosh Sharma

Mumbai

Summary

Experienced banking professional with expertise in client relationship management, working capital loan proposal appraisals, and financial analysis. Proven track record of acquiring new clients and strengthening relationships with existing ones. Proficient in data analysis to identify trends and implement strategies for operational efficiency optimization.

Overview

12
12
years of professional experience

Work History

Relationship Leader - Portfolio (MIB)

YES BANK LTD
07.2024 - Current
  • Effectively managed and met the Working Capital needs of small and medium-sized enterprises with loan amounts ranging from 1 Cr to 15 Cr.
  • Acquired new clients for business loan funding, specifically targeting overdraft, cash credit, Term Loan, Bank Guarantee, Letter of Credit, and Packing credit facilities.
  • Managed a portfolio of 95 clients with a book value of 187cr, met end-to-end customer needs and resolved banking concerns as a Relationship Manager.
  • Maintained portfolio health through continuous monitoring of triggers and prompt response to early warning signals and to encouraged clients to utilize WC limits within specified percentage.
  • Enhanced revenue generation through successful product cross-selling strategies for existing clients.

Relationship Leader – Acquisition (Micro Enterprises Banking)

YES BANK LTD
09.2021 - 06.2024


  • Acquired new clients for business loan funding, specifically targeting overdraft, cash credit, Term Loan, Bank Guarantee, Letter of Credit, and Packing credit.
  • Prepared proposal notes in compliance with policy guidelines, encompassing financial analysis, business model composition, and evaluation of working capital needs.
  • Handled the post-sanction or disbursement process including insurance management, security documentation preparation, mortgage processing, and deferral clearance.

Business Relationship Manager – Working Capital Group

KOTAK MAHINDRA BANK
04.2021 - 08.2021
  • Fulfilled Working Capital requirements for MSMEs with ticket sizes ranging from 1 Cr to 25 Cr
  • Applied comprehensive knowledge of business products like Working Capital, Trade Forex, and Term Loan to drive strategic decision-making.
  • Successfully acquired new clients in the field of sourcing and channel management for various business loan funding options including overdrafts, cash credits, term loans, bank guarantees, letters of credit, and packing credits.

Relationship Partner – Acquisition (Micro Enterprises Banking)

YES BANK LTD
01.2017 - 04.2021
  • Met the Working Capital needs of Small and Medium Enterprises (SMEs) with annual turnover below 15 Cr.
  • Analyzed and acquired extensive knowledge of various business products, including Working Capital (CC/OD/DLOD), Trade Forex (BG/LC/BC/EPC), Term Loan, Loan Against Property (LAP), Channel Financing.
  • Prepared proposal notes under various programs as per policy guidelines, including financial analysis, business model writing, and assessment of working capital requirements.

Quality Control Engineer

STEELSTRONG VALVES (I) PVT LTD
07.2012 - 05.2014
  • Conducted inspections on incoming materials as well as final products to ensure adherence to quality standards.
  • Ensured compliance with API and ISO standards through preparation and maintenance of quality documents.
  • Ensured quality by conducting Final Inspection with TPI
  • Implemented strategies for vendor evaluation and enhancement.

Education

M.B.A. - Marketing

MIT School of Management
Pune, India
01.2017

Bachelor of Engineering - Production

Fr. Conceicao Rodrigues College of Engineering
Mumbai, India
01.2012

Higher Secondary Certificate - Science

Maharashtra State Board
Nashik, India
01.2007

Secondary School Certificate - English

Maharashtra State Board
Nashik, India
01.2004

Personal Information

Date of Birth: 6-Feb-1989

Marital Status: Married

Place: Mumbai

Timeline

Relationship Leader - Portfolio (MIB)

YES BANK LTD
07.2024 - Current

Relationship Leader – Acquisition (Micro Enterprises Banking)

YES BANK LTD
09.2021 - 06.2024

Business Relationship Manager – Working Capital Group

KOTAK MAHINDRA BANK
04.2021 - 08.2021

Relationship Partner – Acquisition (Micro Enterprises Banking)

YES BANK LTD
01.2017 - 04.2021

Quality Control Engineer

STEELSTRONG VALVES (I) PVT LTD
07.2012 - 05.2014

M.B.A. - Marketing

MIT School of Management

Bachelor of Engineering - Production

Fr. Conceicao Rodrigues College of Engineering

Higher Secondary Certificate - Science

Maharashtra State Board

Secondary School Certificate - English

Maharashtra State Board

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