Nayantara (Nina) Joshi
New York,NY
Summary
7+ years of success in fintech sales and account management, credit risk analysis, commercial banking, asset-based lending and factoring. Initiated and managed high value deals, exceeding revenue targets and strengthening business relationships.
Overview
9
9
years of professional experience
Work History
Vice President
ARF Financial
08.2023 - Current
- Enhanced company profitability by implementing strategic business plans and optimizing operational processes.
- Led new business growth by managing the entire sales process from introduction to loan closing.
- Grew referral partner base from scratch to over 150 referral partners within the first 6 months.
- Exceeded quarterly budget by 110% in Q1 2024.
- Developed new revenue streams by identifying growth opportunities and forging strategic partnerships with referral partners.
Account Manager, Americas
Cantor Fitzgerald
03.2023 - 08.2023
- Worked with clients to deliver market data solutions and lead detailed architectural dialogues to facilitate delivery of comprehensive solution.
- Guided and influenced existing partners on recommended upgrades and enhancements to existing data packages.
- Develop close working relationships with clients and be instrumental in expansion and retention.
Account Manager
PAAY
06.2020 - 02.2023
- Maintained long term relationships with enterprise clients within financial services industry.
- Onboarded new clients with PAAY's 3ds solution and collaborated with their development team to integrate new accounts.
- Validated new client KPIs by extracting and analyzing data from client reports and providing ongoing account monitoring and support to clients.
- Grew existing accounts by 40% year over year.
- Averaged 115% of quota since January of 2021.
- Created measurable and predictable sales funnels and pipelines, using Salesforce's reporting tools.
- Responsible for training two new CS Managers.
- Introduced new processes to improve account and market tracking for better data analysis.
- Managed book of business worth $600,000 in ARR.
Account Executive
Macrobond Financial
01.2020 - 06.2020
- Became certified on the proprietary financial and macroeconomic analysis platform.
- Competitors include Datastream, Refinitiv, Bloomberg, and Haver.
- Responsible for over 200 strategic accounts (buy and sell side clients),including some of the largest banks and asset managers in the world.
- Relationship management of existing clients and cross-selling additional Macrobond features
- Performed analysis and created/published research + charts using Macrobond's application.
Relationship Manager
C2FO
07.2018 - 01.2020
- Actively managed a book of over 4,000 existing suppliers of fortune 500 companies across North America.
- Managed the entire relationship management life cycle from cross selling various C2FO financial offerings to navigating clients through the underwriting process, including post closing and ongoing relationship management.
- Trained new hires in conducting warm lead intro calls and tracking business deals using Salesforce.
- Expert in asset based lending, A/R financing, factoring, supply chain and PO financing.
- Credit limits ranging from $2-20M for SME clients.
- Closed $15M in new credit limits exceeding quota and generated over $200K in revenue for capital finance.
- Averaged 200 outbound calls weekly with CFOs, CEOs, Controllers and other C suite members.
- Reached 115% of budget target set for 2018(annualized) and 110% for 2019. Team averaged 80%.
Senior Commercial Underwriter
Crossfirst Bank, Leawood
05.2017 - 07.2018
- Promoted to Senior Commercial Underwriter in Q1 .
- Underwrote deals starting from $2M to commercial real estate syndicate deals up to $25M.
- Underwrote RLOCs, Term Loans, ABLs and CRE loans for small and medium enterprises.
- Standardized the credit process and credit memo templates, resulting in 20% reduction in processing time.
- Collaborated with Business Bankers, to complete loan memos, prepared financial spreadsheets and analysis, and provided written summary and analysis for loan committee review.
- Identified and assessed key risks associated with borrower’s financial performance, industry, and other variables that should be considered in determining borrower risk profile.
- Made independent recommendations regarding credit risk supported by comprehensive analysis.
- Assisted with loan portfolio management and ongoing loan monitoring.
- Provided recommendations and day to day guidance on new and existing workflow processes, policies and procedures.
Area Manager and Risk Analyst
World Fuel Services
02.2015 - 05.2017
- Owned territory of hundreds of convenience stores across Kansas, Missouri, Minnesota, Texas and Florida
- Onboarded managed and trained 6 credit risk analysts
- Provided engaging KPI presentations to executive management on bi-weekly basis
- Compared profitability and liquidity ratios of the company being evaluated to determine risk profile.
- Performed cash flow, financial statement, financial ratios and tax return analysis for new and existing loans.
- Assisted in the establishment and maintenance of the policies and procedures set-forth by senior leadership as they relate to credit underwriting, and loss control.
Education
MBA - Finance and International Business
University of Missouri
City, Kansas12.2018
BBA - Finance
Washburn University of Topeka
Topeka, KS05.2014
Skills
- Freshsales
- Acquisition and Retention Strategies
- Account Management
- Revenue Growth
- Customer Service
- Sales Quota Management
- Salesforce Software
- Pipeline Growth
- Business Development
- Strategic Selling
- Project Management
Languages
Hindi
Native or Bilingual
English
Native or Bilingual
Timeline
Vice President
ARF Financial
08.2023 - Current
Account Manager, Americas
Cantor Fitzgerald
03.2023 - 08.2023
Account Manager
PAAY
06.2020 - 02.2023
Account Executive
Macrobond Financial
01.2020 - 06.2020
Relationship Manager
C2FO
07.2018 - 01.2020
Senior Commercial Underwriter
Crossfirst Bank, Leawood
05.2017 - 07.2018
Area Manager and Risk Analyst
World Fuel Services
02.2015 - 05.2017
MBA - Finance and International Business
University of Missouri
BBA - Finance
Washburn University of Topeka
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