Rishikesh Pandey

Background

About Rishikesh Pandey

Finance professional with 7+ years of experience in banking operations, international trade finance, and portfolio management. Currently commanding ₹350+ crore diversified portfolio across 9+ institutional banking partnerships.AREAS OF EXPERTISE:→ Portfolio & Credit Management• Consortium banking and credit structuring• Loan documentation and sanction letter review• Working capital optimization and equipment financing• Allocation of DP and stock statement management→ International Trade Finance• Letter of Credit (all types)- Usance LCs, Standby LCs• Bank Guarantees - Performance BGs, Financial BGs• Import/export remittances at optimized rates• EDPMS/IDPMS tracking and timely bill closure• Multi-currency exposure management (USD, EUR, RUB)→ Credit & Compliance Operations• Packing credit loans and post-shipment finance• UFCE submission and monitoring• RBI Master Directions and FEMA compliance• Timely interest payments and credit standing maintenance• Zero-deficiency audit record across 7+ years→ Cost Optimization• BG commission reduction through strategic negotiations• LC charges optimization• Export/import realization charge reduction• Banking fee negotiationKEY ACHIEVEMENTS: Process $10M+ annual trade volume with 100% documentation accuracy Deliver ₹1.2+ crore annual cost savings through forex optimization Reduced vendor payment processing from 3 days to 4 hours Achieved 70% automation in treasury operations Uttam - Best Performer (March 2026) Outstanding Performer 2024 - Top 5% organization-wideBanking Partners: State Bank of India | Punjab National Bank | Union Bank of India | Bank of India | Central Bank of India | Bank of Baroda | ICICI Bank | Axis Bank | HDFC Bank | Yes Bank | Sber BankOpen to opportunities in banking, trade finance, and treasury management roles.