Sagar

Accomplished Trade Finance and Transaction Banking professional with 20+ years of banking experience, supported by 3 years of business and manufacturing experience and 3 years of Chartered Accountancy Articleship, offering a distinctive combination of trade finance expertise, corporate banking operations, client management, business operations, financial controls, and audit exposure. CDCS® (Certified Documentary Credit Specialist) certified by The London Institute of Banking & Finance (LIBF), with strong practical knowledge of Letters of Credit, Bank Guarantees, Standby Letters of Credit, Import & Export Bills, Documentary Collections, SWIFT transactions, Trade Finance Operations, Foreign Exchange Operations, and Corporate Banking Services. Proven track record of managing end-to-end trade finance operations and servicing large corporate and priority banking clients, while partnering with internal stakeholders across Business, Legal, Compliance, Technology, Operations, and Relationship Management functions.

Recognized for delivering high-quality client service, operational excellence, process improvement, team development, and business support, with multiple awards and recognition from leading banking institutions including YES BANK, ICICI Bank, and Shinhan Bank. Experienced in working with diverse corporate clients across industries and understanding their business requirements to deliver practical and compliant trade finance solutions. Demonstrated ability to manage complex transactions, resolve operational challenges, ensure regulatory and procedural compliance, and build strong client relationships.

Senior Management Executive - NAVGARUDA INFO SOLUTIONS

(2021-04 - 2022-01)

Managed diverse aspects of business operations with responsibility spanning business administration, procurement, inventory, sales and distribution, banking operations, accounting, taxation and statutory compliance.

• Managed end-to-end business operations covering procurement, stocking, sales, distribution and banking activities.
• Leveraged CDCS expertise to advise and support Legal, IT and Compliance teams on Trade Finance transactions, product requirements and process implementation.
• Provided guidance on Trade Finance products including Letters of Credit, Bank Guarantees and Standby Letters of Credit.
• Managed relationships with clients and international banking partners for Trade Finance transactions.
• Coordinated with clients across the complete Trade Finance transaction lifecycle.
• Managed back-office Trade Finance operations and supported end-to-end transaction processing.
• Conducted regular Trade Finance product and service training for Sales team members.
• Gained extensive exposure to managing integrated business operations and supporting business growth.

Manager – Trade Finance | Branch Service Partner & Customer Service Delivery - YES BANK LTD

(2018-04 - 2021-03)

• Managed the complete lifecycle of Trade Finance transactions, with a strong focus on servicing corporate and major portfolio clients.
• Delivered end-to-end client servicing across Trade Finance products and related banking services.
• Coordinated with internal stakeholders to ensure timely and accurate transaction execution.
• Supported client retention, service quality and operational efficiency.

Manager – Trade Finance | Priority Client Service Delivery - YES BANK LTD

(2012-03 - 2018-02)

• Managed end-to-end Trade Finance Operations for Priority and Corporate Banking clients.
• Handled Corporate Internet Banking, Cash Management Services and General Banking Operations.
• Managed end-to-end service relationships for priority clients.
• Ensured timely resolution of client service requirements and operational issues.
• Recognized for achieving 100% Trade Limit Utilization.
• Selected for and successfully completed specialized FEDAI Training in October 2016.

Assistant Manager – Trade Finance Operations - SHINHAN BANK

(2011-08 - 2012-02)

• Managed Trade Finance Operations and General Banking Operations.
• Prepared and presented MIS reports to Senior Management.
• Handled trade-related operational activities and documentation.
• Managed issuance of GR Waivers.
• Received management appreciation for initiative, efficiency, sincerity, dedication and excellence in Trade Finance services.

Assistant Manager – Corporate Banking Operations - ICICI BANK LTD.

(2006-06 - 2011-08)

Progressed through increasing levels of responsibility within Corporate Banking Operations.

• 2006 – 2008 | General Banking & Trade Finance: Managed General Banking Operations and Trade Finance activities within the Corporate Banking Division.
• 2008 – 2009 | Team Leader – Corporate Banking: Led Trade Finance servicing for Corporate Banking clients.
• Managed Inward and Outward Remittances, Bank Guarantees, Letters of Credit, Import & Export Bills and SWIFT messages.
• Coordinated Trade Finance transaction processing and client servicing.
• 2009 – 2011 | Key Client Manager – Corporate Banking: Served as a dedicated point of contact for major Corporate Banking clients.
• Managed end-to-end service requirements across banking products and services.
• Resolved client service issues through coordination with internal banking functions.
• Performed responsibilities aligned with Solution Manager / Relationship Manager functions.
• Certificate of Recognition – 2009: Recognized for exemplary support and dedication during Cash Management Service Profund System Migration.
• Customer Samrat Award – August 2010
• 3rd Eye Award – December 2010
• Chanakya Award – January 2011

Accounts & Finance Executive - SMART FURNITURES PRIVATE LIMITED

(2004-07 - 2006-06)

• Managed financial accounting and accounts finalization.
• Coordinated statutory and tax audits and preparation of annual financial reports.
• Managed banking relationships and finance activities.
• Handled commercial operations and stores management.
• Monitored accounts receivable and accounts payable.
• Managed export documentation and compliance requirements.
• Coordinated import clearance activities.
• Supported compliance with direct and indirect taxation requirements.

Article Clerk – CA Articleship - C. K. DESAI & CO., CHARTERED ACCOUNTANTS

(2001-02 - 2004-06)

• Participated in Statutory and Concurrent Audits of Banks, including PSU Banks.
• Prepared audit reports in accordance with applicable banking and regulatory requirements.
• Conducted Internal, Statutory and Tax Audits of Public and Private Limited Companies.
• Assisted in preparation and filing of Annual Reports with the Registrar of Companies and Income Tax authorities.
• Developed strong expertise in audit procedures, financial controls, compliance and attention to detail.

CDCS® (Certified Documentary Credit Specialist – Trade Finance) - Trade Finance - The London Institute of Banking & Finance (LIBF), London (2019 - 2019)

Foreign Exchange Operations - Foreign Exchange Operations - Indian Institute of Banking & Finance (IIBF) (2018 - 2018)

JAIIB (Junior Associate of Indian Institute of Bankers) - Banking - Indian Institute of Banking & Finance (IIBF) (2009 - 2009)

Trade Finance - Trade Finance - Indian Institute of Banking & Finance (IIBF) (2008 - 2008)

Diploma in Business Management - Business Management - The Institute of Chartered Financial Analysts of India (ICFAI) (2009 - 2009)

Chartered Accountancy Articleship - Chartered Accountancy - C. K. Desai & Co., Chartered Accountants (2004 - 2004)

Bachelor of Commerce (B.Com.) - Commerce - Model College, affiliated with University of Mumbai (2003 - 2003)

CA Entrance Examination - Chartered Accountancy - The Institute of Chartered Accountants of India (ICAI) (2000 - 2000)

Higher Diploma in Software Programming - Software Programming - Advance Computer Training Centre (2000 - 2000)