KAMALA SUBRAMANIAN

• Head of a Business Unit in Corporate Banking | 6 direct reports | Business Development, Credit Underwriting and Portfolio Management
• Led a team of six senior Relationship Managers in business development, credit underwriting, and portfolio management, focusing on key products such as project finance, working capital, asset-based lending, trade finance, capital raise, forex, credit underwriting, and cash management
• Client coverage of over 150 large corporate, including Fortune 500 companies across industrials, with a Balance Sheet utilization of $1.8Bn and P&L of USD 40Mn
• Acquired approximately 40% of revenue from new-to-bank clients and developed a strong acquisition pipeline; devised corporate sales strategy
• Successfully originated and closed project finance, syndicated loans, and structured trade deals worth approximately USD 1.7 billion
• Used market insights to capitalize on key business opportunities for new advantageous partnerships as trusted advisor evaluating, leveraging, deleveraging, finance cost efficiency and tenor strategies for the customers
• Loan portfolio grew by 45% and revenue by 25% during FY 20-22
• Utilized CRM software to manage customer accounts and track performance metrics.
• Under my leadership, the unit achieved recognition as one of the top-performing units within the organization
• As a Credit leader in my own right, I provided Business Sponsorship and first-level Credit Underwriting approvals reviewing and approving credit applications in accordance with bank policies and industry standards
• I also took lead role in senior-level projects, stress tests and portfolio reviews, to analyse business and industry trends and mitigate potential credit and market risks
• Successfully led operational reviews to ensure compliance with Service level agreements and impeccable service standards
• Collaborated with legal experts, audit, regulators, government bodies and compliance to ensure highest level of portfolio standards and quality

Key Deals:

• Secured a mandate for a global auto components major, generating USD 1Mn in fees for co-arranging a USD 250Mn bond fundraise and underwriting a loan of USD 120Mn, while securing forex flows of USD 50Mn
• Leveraged exceptional advisory skills to foster a strong client relationship resulting in the customer reciprocating by shifting USD 1Bn of trade flows from competition, acknowledging the bank's preferred partner status
• Originated and closed various deals worth over USD 1.7Bn in FY 20-22, resulting in significant value creation for our customers
• Closed project funding transactions for a range of sectors, such as renewable energy, healthcare, auto, telecom, construction finance , fintech players as well as acquisition finance for cement and steel players
• Closed spectrum funding term debt, bridge funding for rights issues, for a multinational telecom services provider and capex funding to support telecom infrastructure projects for Asia's largest tower company
• Additionally, closed trade finance deals including SBLC structures for a airline company and refinanced a large cement player through cost reduction structure
• I have worked on multiple projects providing tailor made digital solutions/processes by interacting with client senior decision makers for effective Treasury, risk management and cash management solutions including implementing of ACH for all locations in the country for a Multinational(MNC) auto company, set up penny testing for onboarding vendors for large telecom player, cash pooling solution for a fintech major, cash management pooling solutions for USD 1.2Bn flows of large telecom infra player and paperless trade solutions for USD 1Bn flows for a large MNC
• Built a liability business/deposit book from cash rich entities/family offices for USD 290Mn during FY 20-22

Awards and Recognition:

• Part of esteemed Talent pool of the bank for the period 2014-2020 for outstanding performance
• Corporate Bank Gold star award for Business performance in FY 19-20
• Segment champion Award for Cross sell Business Support to the bank’s Rural Banking Franchise.
• I joined the Bank as Assistant Vice President and Relationship Manager in 2013 and was promoted to Deputy Vice President (2014), Vice President (2018), Senior Vice President (2021) and in the leadership role of Unit Head since Jan 2022 demonstrating continued performance

• Vertical Head and team lead with direct Revenue and P & L responsibility for Institutional sales | 5 direct reports | Portfolio Management, Business Growth & Revenue Generation | Credit Management
• Developed and executed targeted marketing campaigns to increase new business acquisition, Over 100 Large and mid-market clients across industry sectors
• Developed access to Promoters, CEOs and CFOs
• Successfully created a market and built the book from scratch to approx
• USD 180Mn during this period.

• Head of the Account Management team | 4 direct reports | Credit Management | Portfolio Management, Business Growth & Revenue Generation
• Originated and closed asset deals of USD1 Bn and Trade finance deals of USD 337Mn for large telecom players as Head of telecom desk for the period FY 2009-11.Increased revenue by 100% through expanding existing and onboarding new clients
• Managed end-to-end credit process,Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
• Collaborated with C-level executives and stakeholders to develop long-term financial plans,evaluate and negotiate contracts to procure favorable financial terms.
• Successfully restructured complex debt of a large pharma company (saving exposure of USD125Mn).

• Managed a portfolio of large and mid-market companies c.30 clients- Prepared the credit approval memos for financing, by providing historical and pro forma financial analysis, risks and mitigants, and industry assessments
• Developed and maintained relationships with customers through account development and serviced client needs on commercial banking, investment banking, and international banking products.

• Recommended credit application of over 40 large customers and 80 mid-market enterprises as Designated Credit officer
• Provided credit expertise to origination and product partners by assessing capital structure quality, repayment risk and ratings impact for proposed financing decisions
• Held Road shows in auto industry clusters and implemented a supply chain financing program for them
• Regularly conducted training classes on credit management in the Bank’s Training college at Pune.