Vikash Y.

About Vikash Y.

Result-oriented banking professional with over 16 years of diverse experience in Relationship Management, Business Development, SME Underwriting, and Client Servicing within the Wholesale Commercial Banking sector. Proven track record of driving top-line profitability while ensuring optimal resource utilization in the banking and financial services industry.Currently serving as Associate Director and Team Leader for SME BWC North at Standard Chartered Bank, based in New Delhi. I bring comprehensive expertise in generating new business opportunities and managing portfolios, encompassing business development and cross-selling a wide range of banking products to maximize account profitability.Skilled in sourcing SME proposals aligned with policy parameters, I excel in engaging with both existing and prospective clients to understand their needs, deliver tailored solutions, and foster strong relationships to ensure customer retention and repeat business.Possess in-depth knowledge and hands-on experience across the full spectrum of Commercial Banking asset products, including Cash Credit, Overdraft, Term Loans, Dropline Overdrafts, and Bank Guarantees.

Experience

1. Associate Director & Team Leader Bwc - North

   Standard Chartered

   Jun 2025 — Present · New Delhi, IN

   Key ResponsibilitiesStrategyAchieve Month on Month Business targets as per Performance scorecard.Customer Experience, Portfolio & Risk Management (50%)BusinessAchieve the Month on Month Business targets (NTB, NSR, FX, Trade, BANCA, MIs & Renewals for ETB clients) as per the Performance scorecard. Ensure that all new client on boarding is done in adherence to the parameters which are released by the products Team.Optimize Cross-sell.Balanced performance across productsAttending to CEMs leadsProcessesQuality monitoring of portfolioDeferral & Credit mate CovenantsPending and overdue Documents,Insurance property & StockStock Audit > INR 50 Mio. Stock & Book Debt statement > 50 mioAstar- AR3,AR4,AR5NPA reportingExcess & Past due Managements,OPAC churn & utilization People & TalentAchieve Month on Month Business targets as per Performance scorecard.Risk ManagementFollow all policies and procedures that are laid down by the Bank/Business and ensure that there are no operating losses/ Frauds. Ensure accurate and timely processing of customer instructionsComplete all customer service keeping in mind the ML and KYC normsGovernanceImprovement in Straight to bank penetration Improvement in client retention.Completion of all RFI Alerts and DRR alerts as per timeline set.Certifications completed as per AMFI and IRDA.No overdue E- learnings.No non-compliance on FCRMP, ABC, AML & CDD standards.No complaints from customers due to lapse from the Bank’s sideNIL instances for Fraud Risk Management (FRM).Complaints /sales errors/cancellations completed within the benchmark as & Business ConductDisplay exemplary conduct and live by the Group’s Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank.

Education

• Dronacharya Government College, Gurugram

  B.Com. (Honours), Commerce

  2006 — 2009

• Kendriya Vidyalaya

  Intermediate, Business/Commerce, General

  1994 — 2006

• Corporate Finance Institute® (CFI)

  Financial Modeling & Valuation Analyst (FMVA)®

  2020 — 2020

• Corporate Finance Institute® (CFI)

  Commercial Banking & Credit Analyst (CBCA)™

  2020 — 2020

• Indian Law Institute

  Certificate course on Cyber Laws, Legal

• ICICI Manipal Academy (IMA) Bangalore

  Post Graduate Diploma in Banking, Rural & Inclusive Banking Management

  2011 — 2012

• National Institute of Securities Markets (NISM)

  NISM-CRISIL Certified Credit Underwriter Program