Haradhan Mandal

Territory Business Manager Sm & Large Enterprises-working Capital, Term Loan @Kotak Mahindra Bank

Mumbai, IN

Effectively work towards SME Team serving credit needs of corporate clients in form of working capital, term loan, Non-Fund based Facility and Export Finance. Interacting with founders /Promoters of companies to understand their business model, scalability avenues, banking requirement and accordingly Negotiating term sheet with the borrower. Liaise with internal control groups such as Credit Risk, RBI Compliance, Corporate Legal and presenting the case to relevant internal forums. Credit Risk Analysis of Corporates by analysing financial statement & annual report, industry analysis, management analysis, ratio analysis and performing due diligence. Disbursement of sanctioned cases including documentation, Security creation, setting up of limits and post sanctioned activities. Responsible for timely renewal of Mapped portfolio account and providing Trade and WC services to client. Well Connected in Mumbai Market with Mid & Large Corporate Advisory Consultant Firms. Formulating strategy for New Client Acquisition (NCA) and developing relations with new onboarded client for generating reference from group, focusing on bank portfolio & earning quality parameter to expand customer portfolio and increase wallet share.Enable cross selling of products like FX Revenue, Insurance, CMS to increase wallet share