Harkesh Garg

E-Mail: harkesh.garg@gmail.com Phone: +91-9015922971

Focused professional targeting challenging assignments in Trade Finance

Operations/Financial/Research/Risk Analyst in Big Four/Corporate industry with an organization of
repute
Location Preference: Overseas, Mumbai, Delhi, Bangalore and Pune

PROFILE SUMMARY
 Post Graduate Diploma (Banking & Services) with over 4 years of experience with strong domain knolwdge in finance &
accounting functions including strategic planning, risk management, compliance
 Developed competency in managing branch operations and implementing strategies towards enhancing
market penetration, business volumes and growth
 Proficiency in managing client portfolio according to guidelines that reflected marketing &credit policies as
well as money laundering rules &regulations of bank
 Wealth of expertise entails import services like: Import Advance Payments, Import direct Payment, Import Bill
Collection, and Buyers Credit
 Experience in monitoring the issuance of all types of Letters of Credit, Guarantees, LC Confirmations, Transfer
of LCs
 Skilled on Financial planning, budgeting, forecasting & project cost analysis, fund management, working
capital management and investments
 Analysed 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
 An effective communicator with excellent relationship building & interpersonal skills

CORE COMPETENCIES
Trade Finance
Banking Operations
Client Relationship Management
Reporting & Documentation
Accounts Receivable/ Payable
MIS Reporting & Documentation
Cash Flow Management

ORGANIZATIONAL EXPERIENCE
Since Apr'18 with Woori Bank, Gurgaon as Assistant Manager-Trade Finance Operations
Key Result Areas: please confirm all points
 Reviewing of Import deal request especially for EUR currency mjand 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
 Negotiating and finalizing deal rate with banks and comparing against various rates like EIBOR/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
 Managing accounts payable activities, like ensuring timely updating purchase & service invoices as per
company SOP
 Preparing financial forecasts, mid-quarter estimates and business plans, monthly billing analysis based on
analysis of industry trends; creating analytical interpretations as requested
 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 XXX (name) process from XXX (name) Bank to XXX (name of the
company) (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

PREVIOUS ORGANIZATIONAL EXPERIENCE

Sep'17-Apr'18 with Yes Bank Ltd., NOC, Gurgaon as Assistant Manager-Trade Finance Operations
Highlights:
 Identified and developed innovative Trade Finance products such as XXX (mention) in line with regulatory
requirements (Product Manager)
 Visited customers to promote business; organized and conducted customer education activities through
presentations on XXX (name topics) and Q&A sessions on Trade Finance services

Mar'17-Sep'17 with HDFC Bank Ltd., Harsha Bhavan Branch, CP, New Delhi as Assistant Manager-Trade
Finance Operations
Highlights:
 Visited customers to promote business; organized and conducted customer education activities through
presentations on XXX (name topics) and Q&A sessions on Trade Finance services

Exact Profile I was taking care at HDFC Bank: Trade Finance Operations

• Handle below trade finance and treasury product portfolio:

-Regular Forex: Cash/Tom/Spot
-Trade Finance: Letter of Credit (LC), Bank Guarantee(BG), Bill Discounting, Inward/Outward Remittances
-Arrange working capital for clients in form of: Short Term Funding: Cash Credit, Buyers Credit, Packing 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
 Organized and conducted training programs on Trade concepts for EC segment of Trade desk employees at
branch, outsourced staff; reviewed their work and implemented measures such as XXX (mention) to escalate
productivity levels
 Recipient of the prestigious Efficient Team Member 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%
 Visited customers to promote business; organized and conducted customer education activities through
presentations on XXX (name topics) and Q&A sessions on Trade Finance services

Dec’14-Jul’15 with Axis Bank, Shalimar Bagh as Assistant Manager

Highlight:
 Supervised all aspects of the Trade Finance Products: Letters of Credit (L/Cs) and Guarantees business with a
team of XX (number) personnel
Exact Profile I was taking care at Axis Bank: Relationship Manager
(Handling existing medium and small enterprise relationships and also devise client acquisition and product
strategy to mobilise existing infrastructure and other stake holders of the bank to acquire new clients
• Interact with CEO/CFO for customised trade and business banking solutions
• Handle below trade finance and treasury product portfolio:
-Regular Forex: Cash/Tom/Spot
-Trade Finance: Letter of Credit(LC), Bank Guarantee(BG), Bill Discounting, Inward/Outward Remittances
-Strategic Flows: FDI/ODI/Project Flows
-Hedging: Forwards
-Arrange working capital for clients in form of: Short Term Funding: Cash Credit, Buyers Credit, Packing Credit)

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:
Going On - Certified Management Accountant (CMA) candidate
June, 2011 Wealth Management course from National University of Singapore (NUS)
Nov, 2011 NCFM Module-Financial Market: A Beginner’s Module
Nov, 2011 NCFM Module-Mutual Funds: A Beginner’s Module
May, 2012 NCFM Module–Equity Derivatives: A Beginner’s Module
March, 2012 NISM Series–VA: Mutual Fund Distributor Certification Examination (AMFI)
June, 2014 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 ACHIVEMENTS
 Achieved:
o International Rotary Youth Leadership Award
o Sports Personality of the Year Award in 2010 in SIES (Nerul)
o Player of Year 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