Sargam

WORK HISTORY

EDUCATION

ABOUT SARGAM

Banking and finance professional with 10+ years of experience across retail, SME and forex operations, complemented by software development exposure. I bring a blend of financial expertise, operational leadership and technology understanding, enabling me to deliver commercially sound and scalable solutions in complex banking environments.Skilled in financial analysis, credit assessment, risk management, and loan sanctioning & processing across SME, retail, and personal lending portfolios. Adept at underwriting, risk evaluation, branch banking operations, and building long-term client relationships that drive sustainable profitability. Extensive hands-on experience in Forex dealing room and trade finance operations, including Letters of Credit (LC), Bank Guarantees (BG), Vostro operations and quoting forex rates for HNI clients for cross-border remittances for export/import, forward contracts, bills, etc.Known for strategic execution, strong problem-solving skills, operational excellence and client-focused solutions. I thrive in fast-paced environments where balancing risk, driving growth and managing stakeholder expectations are critical.Currently pursuing an MBA (2025–26) at Durham University Business School, where I was awarded the MBA Achievement Award 2025. The programme is broadening my global perspective in strategy, data analytics, leadership, finance and operations management, equipping me for senior leadership roles in financial services.Alongside my MBA, I volunteer as a Finance Assistant at Oxfam, supporting over 500 charity shops through income processing, reconciliations, and invoice management, applying my finance expertise to create meaningful social impact.I am passionate about leveraging my banking expertise, technology mindset and MBA insights to drive sustainable growth, operational excellence and value creation within forward-thinking financial institutions.