Omprakash Jha
Relationship Bank manager
Mumbai, India
Summary
Business-driven Relationship Manager always finding successful ways to acquire new clients and foster lucrative relationships. A determined leader with over 3 years of assisting clients with financial planning processes and assessing financial data. Offering dynamic collaboration and decision making skills. Now highly, looking forward to explore my career in overseas in banking , accounting and finance industry, where I can use my skills and experiences towards success within an organisation.
Overview
6
6
years of professional experience
4
4
years of post-secondary education
4
4
Languages
Work History
Manager
RBL Bank Ltd
Mumbai
03.2022 - Current
- Managing portfolio effectively through continuous monitoring of accounts, renewals andenhancements
- Acquiring new clients for business banking segment with a detailed undertaking of creditassessment
- Conducting due diligence of prospective borrower – Reference check CIBIL,SMA, AML, Suit Fileand various other internal and external check
- To collaborate with credit team in analysis the business models of client and recommendingappropriate solution,
- Credit appraisal of working capital proposal and recommending appropriate structures in Dealer
- Finance, Vendor Finance and unsecured Loan
- Works closely with Branch Banking teams for new customer addition
- Developing superior working relationships with Branch Banking Team and Coordinatingoperations with other stakeholder
- Offering Trade Finance Solution to MSME clients with intention of maximizing FX revenue for thebank
- Taking Follow Up from Title search & Valuation Report Department
- Disbursement Documentation Coordination with Risk and Clients
- Resolving the Queries of Risk Team.
Deputy Manager
IDFC First Bank, Business Banking Group
Mumbai
02.2021 - 03.2022
- Developing strong relationship with all the SME clients in allotted areas for best recall of bankfor all their financial requirement
- Processing of working capital proposals in co-ordination with Credit, Legal and operations team
- Ensuring delinquency resolution for allotted portfolio of SME clients
- Ensuring cross sell of liability and asset products to new to Bank and existing SME customerslike Retail Assets, General Insurance etc
- Facilitating and helping allotted branches in generating business for BBG segments
- Penetrate client's business with various products like current account/term deposits/Tradefinance for primary Relationship & group companies
- Build relationship with Key persons in the target segments & build client trust & confidence.
Assistant Manager
YES Bank Limited
Mumbai
07.2019 - 02.2021
- Department – MIB (Working Capital and Channel Finance)
- Acquiring and managing a loan portfolio of turnover up to 15 Crores of MSME clients spread acrossvarious industries like Chemical, Gems & Jewelry, Metals, Pharmaceuticals, Auto components,
- Advertising etc
- Credit Appraisal of various products like Working capital, Export & Import Finance along with seamlessdelivery of trade transactions
- Analysis of business and financial model – Industry scenario, financial ratio, peer comparison ofprospective borrower for establishing the viability of lending
- Conducting due diligence of prospective borrowers
- Interacting with Clients for working capital ( OD,LAP ,Term Loan, CC)
- Offering Supply Chain Finance Solution to dealers and vendors
- Taking Follow Up from Title search & Valuation Report Department.
Credit Process
YES Bank Limited
Mumbai
06.2018 - 01.2019
- On Roll Of Team Space), Preparation of CAM for Working Capital (OD, Term Loan, LAP,)
- Ensuring client relation and portfolio hygiene with minimum deferrals and covenants
- Handling MSME clients SME banking products (Working Capital & LAP)
- Banking analysis, Projections etc
- Dedupe Check, CIBIL Watchout investor etc
- Coordination with Risk team & Solving Queries
- Disbursement Documentation co-ordination with Operation team
- Mortgaging property documents with legal team
- MIS reporting.
Accountant
Mahalaxmi Transport Ltd
Mumbai
08.2016 - 08.2017
- Managing a team handling all of the incoming and outgoing shipments at the facility
- Maintaining records, filing and general administration duties
- Co-ordination and planning of daily/weekly shipments
- Resolve any arising problems or complaints
- Works within defined process to determine root causes fornoncompliance and recommend change for improvements.
Financial Planner
Shree Associate
Mumbai
07.2014 - 09.2015
- Managing Clients portfolio, providing analysis and review
- Client Briefing Market updates Coordinating with clients for Equity Recommendations
- Selling of product like Insurance, Mutual Fund ,Bonds, FMP ,NCD ,PMS, IPO etc
- Monitoring a part of back office operations like Client account opening.
Education
Master - Management Studies, Finance
ASM IMCOST College of Management Studies
08.2015 - 04.2017
Bachelors - Commerce
K.J SOMAIYA College of Arts And Commerce
Vidyavihar, Mumbai 08.2011 - 05.2014
Skills
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Additional Information
- Like to play Cricket and football
- Surfing and Researching on Internet
- Like to listen all sorts of music; especially Soul
- Travelling and Socialising
Timeline
Manager
RBL Bank Ltd
03.2022 - Current
Deputy Manager
IDFC First Bank, Business Banking Group
02.2021 - 03.2022
Assistant Manager
YES Bank Limited
07.2019 - 02.2021
Credit Process
YES Bank Limited
06.2018 - 01.2019
Accountant
Mahalaxmi Transport Ltd
08.2016 - 08.2017
Master - Management Studies, Finance
ASM IMCOST College of Management Studies
08.2015 - 04.2017
Financial Planner
Shree Associate
07.2014 - 09.2015
Bachelors - Commerce
K.J SOMAIYA College of Arts And Commerce
08.2011 - 05.2014
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