1. Pankaj KumarPankaj Kumar
+91- 9810425199
Dwarka, New Delhi-110075
Mail id-ibspankaj@rediffmail.com
BRIEF OVERVIEW
• MBA (Finance), CDCS, JAIIB, CAIIB Client-focused and result-driven
Transaction Banking Professional with 12+ years of experience having in-depth
knowledge of the end to end processes and procedures in several areas of
Banking including Documentary Credits, Forfaiting,
Structured Trade Finance.
• Experience of managing Trade operations and implementation of regulatory
compliance, Trade based anti money laundering regulations, services,
policies and procedures.
EMPLOYMENT HISTORY
The Hongkong and Sanghai Banking Corporation Limited, New Delhi - Vice
President (Global Trade and Receivable Finance, North India)- September 2007 till
date
Present Job Responsibilities & functions:
• Designing Structured Trade solutions for specific client requirements and
establishing processes and governance around the same.
• Responsible for conducting risk analysis, reviews and investigations for high
risk client accounts and financial activity to detect and prevent money
laundering.
• Provide business support to all units, including new and existing product and
deal structuring, ad hoc queries and MIS, user training, and designing and
implementing systems enhancements.
• Managed and directed the program in driving the Bank’s strategy in North
region of India by closely working with internal (Regulatory team, Compliance
team) and external stakeholders
• Maintaining satisfactory customer relationship. Liaising with other business
departments for facilitating foreign exchange business.
• Managing import / export transactions as per URC 522, Letter of credit as per
UCPDC 600, Bank Guarantees as per URDG752, Buyer’s credit, Supplier's
Credit.
• Improvised programs and procedures to ensure the branch’s administration is
functioning effectively and complies with applicable policies & regulatory
requirements in all areas of operations.
• Helping clients in resolving their day to day banking related queries and
visualizing their needs accordingly.
• Update the customers on various banking products and services.
• Coach staff to develop skills and confidence which will enhance productivity
and knowledge enhancement.
• Directed complete trade operations with key focus on bottom-line profitability
by ensuring optimal utilization of available resources.

2. • Leading a Team of 55 staff Handling trade Desk for North India
Major Accomplishments:
• Participated in the Bank’s Compliance Committee to provide reports and
information to top management on current and emerging trade based anti
money laundering related issues.
• Participated in special Bank compliance projects which resulted in in-depth
studies and analysis
• Won Best manager award in 2009-2010, 2011-2012 and 2014-15
• Received award for my contribution in increasing transaction counts
• On time promotion in the Bank as per existing policies.
• Achieved Top Performer rating (1) for year 2015 & outstanding rating (2) for
3 consecutive years preceding 2015 for exceeding the expectations on
consistent basis and developing the teams lead during the course
Previous Employment
HDFC Bank Ltd., New Delhi Oct 2006 – Sept 2007
Deputy Manager (Trade Finance, WBO)
Job Responsibilities -Leading a Team of 8 Handling Import Desk catering to HDFC
Bank’s NCR customers
Job functions:-
• Looking after various lines of businesses viz treasury, trade finance,
credit and foreign exchange.
• Establishing and managing FCY/INR denominated Letters of Credit (LC). Bank
Guarantee and International Trade Finance
• Forex management viz Forward Cover, Options & Rollover
• Management of foreign exchange denominated bills for Collection/negotiation.
• Supervising various lines of Business like Export, Import, Supply Chain
Management, Local bills under LC etc.
• Supervised the business development of project financing programs for many
corporate.
Karur Vysya Bank, Gurgaon July 2005 – Sept 2006
Deputy Manager (Trade Finance & Branch Banking)
• Formulation of business strategies at Branch level.
• Supervising, coordinating and monitoring the corporate/Retail Banking
operations.
• Analyzing, recommending, releasing and monitoring different type of loan
products.
• Designing and implementing appropriate plans to generate more non-interest
income.
• Selling Banking and insurance products by understanding customer’s needs,
attitude and fears.
• Advising our customers on matters pertaining to foreign exchange denominated
LCs, Bank Guarantee and International Trade Finance
• Monitoring of interest rates movement and exchange rates movement

3. Summer training and projects
Cygnus Economic & Business Research, Hyderabad Aug 2004 - May 2005
(part time/evening)
• The work is about analyzing and making a report on one Industry every month,
analyzing the price movements of stocks, making a report on financial structures
of companies etc.
HCL Info System, Noida April 2004 - July 2004
Summer Internship Program
Project Title: Forex Management.
The project involved analyzing the foreign exchange exposure for the company and
different ways to hedge the risks associated with foreign exchange transaction.
Security 4 U, New Delhi Sept.2000 to Dec. 2002
Worked as Finance Executive
ACADEMIC & PROFESSIONAL QUALIFICATIONS
MBA (Finance) ICFAI Business School, Hyderabad 2005
B.Sc (Physics Hons) Bihar University 2000
PROFESSIONAL ENHANCEMENTS
Cleared JAIIB & CAIIB (conducted by Indian Institute of Banking and Finance) in
first attempt with first class.
Cleared CDCS conducted by IFS, School of finance incorporated by Royal Charter,
UK.
IT SKILLS
Platforms : MS Dos
Databases : MS SQL Server
Applications : MS Word, MS Excel, MS PowerPoint
EXTRACURRICULAR ACTIVITIES
• Won 2’nd prize in inter college debate.
• Participated in all India B-School meet.
• Won 2’nd prize (quiz) in all India B-School meet at GITAM Vishakhapatnam.
• Member of Indian Institute of Banking and Finance.
• Volunteer for ‘SERVE-Youth Effort for Society’.
• Organized Business Quiz in Trishna, a national management fest organized by
IBS during 2003-04.
• Presented on Risk management/trade credits etc at various seminars/meet.
PERSONAL DETAILS
Date of Birth : 30-July-1977
Marital Status : Married
Languages known : English and Hindi