Harkesh

Garg

Focused professional targeting challenging assignments in Trade Finance Operations/Risk Analyst in Big
Four/Corporate industry with an organization of repute
Location Preference: Overseas, Mumbai, Delhi, Bangalore and Pune

harkesh.garg@gmail.com +91–9015922971

Profile Summary
Post Graduate Diploma (Banking & Services) with over 4 years of experience with strong domain knowledge in finance &
accounting functions including compliance
Wealth of expertise entails import services like: Import Advance Payments, Import direct Payment, Import Bill Collection,
and Buyers Credit
Prioritized the handling, resolution and response to customer complaints and problems within agreeable time-frames as
well as ensured that high levels of customer satisfaction were maintained
Adhered to audit as well as the bank’s service standard compliance policies and ensured high levels of service quality
Experience in monitoring the issuance of all types of Letters of Credit, Guarantees, LC Confirmations, Transfer of LCs
Skilled on Financial planning, budgeting, working capital management and investments
Analyzed business operations, trends, costs, revenues, financial commitments, and obligations to project future revenues
and expenses or to provide advice and report the outcome as part of monthly MIS
Gained knowledge of SAP–Finance & Controlling (FICO) and MS-Office

Core Competencies
Cash Flow Banking Trade Client Relationship Accounts Receivable/ MIS Reporting &
Management Operations Management Payable Documentation

Organizational Experience
Since Apr'18 with Woori Bank, Gurgaon as Assistant Manager-Trade Finance Operations
Key Result Areas:
Reviewing of import deal, fixing the currency rate with coordination of treasury, Bank Guarantee requests like
Financial, performance for Tender, material and issue as per requirements, Export LC advice received from Banks and
ensuring documents requirement as per UCP and Company standards
Tracking general profitability of assigned customers; spotting non-profitable accounts and working towards closing
those accounts (where required)
Managing import collections including the processing of inward bills, marking acceptance, processing ‘Free of
Payment’ bills, undertaking legalization of documents, issuing delivery orders under collection, processing and settling
inward cheque
Managing export collections including the processing of outward bills, marking acceptance, processing outward
cheque on collection payments and making payments for the same
Following-up on the customer’s relations with other banks to gather information on creditworthiness and minimize
risk on transa
Negotiating and finalizing deal rate with banks and comparing against various rates like EURIBOR/LIBOR
Generating and maintaining MIS reports to provide feedback to the management on statements for P/L management,
balance sheet, purchase, budget, cash and fund flow
Administering sales of inland and cross-border trade finance products and services; strategized and expanded the
Trade Finance business (topline and revenue)
Communicating product information and insights to the Trade Finance product team to help grow Trade Finance
offerings in line with the market, internal and regulatory guidelines
Maintaining excellent relations with existing Trade Finance customers; developing & structuring relations with new
customers including assessing new credit requests & presenting them for approval
Adhering to audit as well as the bank’s service standard compliance policies and ensuring high levels of service quality

Highlights:
Successfully implemented the Rebates Process with a team of 2 personnel; drafted process flows and documentation
for the same
Key member of the team that migrated the core application from WINFOS System to WGSS in Bank
Managed relationships of corporate clients in Delhi NCR; key focus was on doubling the fee base and increasing the
Minimum Account Balance (MAB) book by 20% over base

Sep'17-Apr'18 with Yes Bank Ltd., NOC, Gurgaon as Assistant Manager-Trade Finance Operations
Key Result Areas:
Handling of Letter of Credit: LC issuance, amendment and cancellation
Handling of Import Transaction: Advance import Payment, Direct Import Payment, Import bill on collection
Handling of export transaction: Export bill negotiation, Export bill collection and Export bill against advance
remittance, Bank realization certificate, Export packaging credit

Mar'17-Sep'17 with HDFC Bank Ltd., Harsha Bhavan Branch, CP, New Delhi as Assistant Manager-Trade Finance
Operations
Highlight:
Successfully managed cash/tom/spot currency rates, letter of credit, bank guarantee, bill discounting,
inward/outward remittances and arranged working capital for clients in cash credit, buyers credit and packaging
credit

Jul'15-Mar'17 with IndusInd Bank, CP, New Delhi as Assistant Manager-Trade Finance
Highlights:
Recognized for Excellent Customer Service to different customer segments of bank at different levels by top
management in 2016
Implemented departmental Trade Finance procedures and manuals that led to benefits such as reduction in
processing time, increase in accuracy levels
Recipient of the prestigious Excellence Award for studying key corporate deals and using those insights to automate
the process with a resultant increase in accuracy levels and a reduction in processing time by 90%

Dec’14-Jul’15 with Axis Bank, Shalimar Bagh as Relationship Manager
Highlights:
Successfully managed existing medium & small enterprise relationships; devised acquisition & product strategy for
mobilizing existing infrastructure
Executed interaction with CEO/CFO for trade & business banking solutions, FDI/ODI/Project Flows

Academic Details
2014 Post Graduate Diploma (Banking & Services) from Manipal Academy of Banking, Bangalore
2012 MBA (Finance & Marketing) from Indian Institute of Planning and Management (IIPM), New Delhi
2010 BMS from Mumbai University, SIES, Nerul Navi Mumbai
2007 12th from Maharashtra Board, St. Mary’s Junior College, Vashi
2005 10th from Maharashtra Board, St. Lawrence High School, Vashi

Other Courses:
Pursuing Certified Management Accountant (CMA) candidate
Jun’11 Wealth Management course from National University of Singapore (NUS)
Nov’11 NCFM Module-Financial Market: A Beginner’s Module
Nov’11 NCFM Module-Mutual Funds: A Beginner’s Module
May’12 NCFM Module–Equity Derivatives: A Beginner’s Module
Mar’12 NISM Series–VA: Mutual Fund Distributor Certification Examination (AMFI)
Jun’14 NISM Series–VI: Depository Operations Certification Examination

Certifications
Completed:
o Certification in Trade Finance from IIBF
o Advance Certification in Financial Modeling from Edu Pristine

Academic Achievements
Achieved:
o International Rotary Youth Leadership Award
o Sports Personality of the Year Award in 2010 in SIES (Nerul)
o Player of Tournament Award for the "Home Run" tournament

IT Skills
SAP–Finance & Controlling (FICO)
MS-Office

Extracurricular Activities
Appointed as member of Rotaract Club of SIES (Nerul) College of Arts, Commerce & Science
Represented Maharashtra in the 24th National Baseball Championship and in the West Zone Baseball Championship
Led logistics team in college management event “Sharpshooters-08" in 2009

Personal Details
Date of Birth: 18th November 1989
Languages Known: English & Hindi
Address: H/No.-49, 3rd Floor, Front Portion, Pocket–15/A, Sector–24, Rohini, New Delhi, India - 110085