Hemamalini Vaithilingam

Highly experienced Trade Finance Associate and former Branch Manager with over 12 years of progressive experience in commercial banking, trade finance operations, credit analysis, retail lending, and branch leadership. Strong expertise in UCP 600, URDG 758, AML/KYC, structured trade products, and due diligence. Proven track record in reducing NPAs, improving branch profitability, strengthening compliance, and driving digital banking adoption.

Adept at managing high‑risk transactions, analysing financial statements, and delivering exceptional customer service. Currently preparing for CDCS certification.

Trade Finance Associate (2024-07 – Present)

Manage trade finance products including Supplier's Credit, Buyer's Credit, MRPA, LC issuance/advising, SCF, bills discounting/negotiation, export/import financing, and bank guarantees.

• Conduct compliance checks using Accuity, World Check, Google due diligence, and D&B reports.
• Open and maintain trade finance accounts and credit ratings in Finacle.
• Scrutinise Letters of Credit, request amendments, and handle ICC reporting and discrepancies.
• Liaise with branches, clients, issuing banks, and internal teams to resolve documentation and transaction issues.
• Prepare monthly Supplier's Credit reports and maintain budget calculation sheets.
• Manage high‑risk transactions with approvals from the Financial Crime Office.
• Review shipping documents and ensure regulatory compliance.
• Support marketing initiatives by preparing branch contact lists and coordinating with branches.
• Provide prepayment calculations and coordinate with treasury for charge confirmation.
• Improved LC scrutiny accuracy and turnaround time.
• Strengthened due diligence processes for high‑risk transactions.

Branch Manager / Senior Manager at UCO Bank, India (2012-06 – 2024-07)

Led branch operations across multiple locations with progressive responsibility in team leadership, lending, cash management, and compliance.

• Branch Manager – Annasalai (2020–2023): Led a team of 7 staff and managed full branch operations including cash management, lending, customer service, and compliance.
• Reduced NPA levels by 20% through targeted recovery strategies.
• Increased insurance business by 30%, ranking among top 5 branches in Chennai zone.
• Implemented a new mortgage lending strategy, increasing home loan acquisition by 50%.
• Reduced customer complaints by 80% through process improvements.
• Audited currency chest branch with a limit of ₹77.48 million and identified compliance gaps.
• Branch Manager – Chromepet (2017–2019): Led an all‑women branch of 8 staff.
• Implemented CRM strategy resulting in 15% increase in retention and 10% growth in referrals.
• Acquired bulk deposits worth ₹77 million.
• Increased branch lending by 20% and recovered 30% of NPAs.
• Achieved 25% cost reduction through operational optimisation.
• Advance‑in‑Charge – Mount Road (Jan 2020 – July 2020): Conducted credit analysis, processed loan applications, and ensured compliance with credit policies.
• Disbursed loans after fulfilling post‑sanction conditions.
• Organised housing and car loan acquisition camps.
• Managed write‑off recovery as per policy.
• Advance‑in‑Charge & Credit Monitoring – Pondicherry Main (2016–2017): Processed retail loans (housing, car, business, OD).
• Reviewed cash credit accounts, collateral values, and insurance renewals.
• Conducted inventory checks and monitored account performance.
• Promoted digital banking products (POS, mobile banking, e‑banking).
• Handled bank guarantees for government and private projects.

Quiz Trainer / Administrator at SIOL Quiz Club (2009-05 – 2010-06)

Delivered quiz training across schools and managed administrative activities.

• Developed training content and engaged students through interactive learning.

MBA in Banking Technology – Pondicherry University

BE in Electronics & Communication Engineering – Pondicherry University