Apurva Ojha

Background

About Apurva Ojha

Experience in Commercial Banking and SME vertical in banks in the UAE and Indian Markets. To cater to Commercial banking segment by offering working capital solutions including fund based and non-fund based facilities like Supplier credit, Trust Receipts, OD Facilities, Invoice Discounting/Factoring, Receivable Discounting, Term Loans, Letter of Credits, Bank Gurantees etc. New client acquisition and retention of the existing clients in the system. Achieve Bank’s objective in terms of NII, Fee Income, Forex Income, credit quality etc. as per agreed budgets/targets from client relationship handled. Ensuring healthy limit rotation/timely limit renewals/new client acquisition/timely disbursement and timely collection of the overdue. Credit Management: Conducting credit interview and preparing credit application. Analyzing financial reports of the clients and recommending revised limits to the credit team. Gathering industry feedback to evaluate credit worthiness of clients. Structuring deals in accordance with Credit policies and resolving the credit queries accordingly. Optimizing quality of portfolio through close monitoring and adherence of credit control policies. Specialties: Multitasking, Adherence to processes and quality standards, Team management development, Credit Management and risk and Commercial banking and Trade finance.