United Kingdom
Strategic product and banking transformation leader with 20+ years of experience delivering enterprise-scale initiatives across Corporate, Investment and Transaction Banking within EMEA, APAC and Africa in cross functional roles and matrix structures in Tier 1 investment and Corporate Banks. Proven track record in product strategy, digital transformation, product and trade operating model redesign, regulatory governance and cross-functional program delivery across Trade Finance, Working Capital, Corporate Lending and Payments with capital optimization, RWA, sustainable revenue growth and Product portfolio across different regions with organic eco-system as per their characteristics Combines strong expertise in balancing customer needs, commercial objectives, risk management and regulatory compliance while driving revenue growth and operational efficient delivery, product innovation and scalable platform solutions. Recognized for influencing senior stakeholders, leading geographically distributed teams, and delivering measurable commercial and operational outcomes Selected Career Achievements • Built and scaled Trade Finance and Corporate Lending business capabilities, delivering portfolio growth of more than 3500% and reached to 450 ECA transactions within 3 years. • Developed and executed product strategies spanning trade finance, working capital, liquidity, cash management and payments solutions across international banking organisations. • Redesigned global Trade Finance product frameworks aligned to Basel requirements, supporting balance sheet optimisation, capital efficiency and improved management reporting. • Established cross-selling ecosystems across trade finance, working capital, liquidity and cash management products, increasing client engagement and revenue opportunities. • Led core banking, payments and operating model transformation programmes across multiple jurisdictions, including the implementation of new technology platforms, governance frameworks and operating procedures. • Partnered with treasury, finance, operations and relationship management teams to identify revenue opportunities, optimise balance sheet utilisation and improve customer outcomes.
- Supported management of governance, strategy and roadmap activities across EMEA Trade Finance and Working Capital products in line with regulatory requirements and business objectives. - Led end-to-end product lifecycle initiatives including product enhancement, implementation, operational optimization and stakeholder engagement across multiple jurisdictions. - Redesigned the global Trade Finance and Working Capital product catalogue to support accurate RWA/CCF treatment, regulatory alignment and improved product governance. - Developed the first product-based revenue segregation and utilization reporting framework enabling trend analysis across revenue, pipeline, maturity profiles and RWA/CCF impact on ROI. - Delivered executive-level MI and Power BI dashboards for EMEA leadership, GCIB/JCIB RM's and Sales teams to support data-driven decision making. - Identified ecosystem-based cross-selling opportunities and targeted customer segmentation strategies supporting revenue growth and product utilization, pipeline forecasting, pricing discussions and revenue analysis. - Led cross-system mapping and post-Brexit cross-country product alignment initiatives to improve reporting consistency and governance across EMEA jurisdictions. - Standardized EMEA processing models, policies and procedures improving operational consistency, scalability and control effectiveness. - Designed and delivered TF and Working Capital product lifecycle training programs for Operations, Sales and RM teams -Built the first product-based intranet page and forms library improving user accessibility and operational efficiency. - Led implementation of globally standardized sanctions clauses and documentation controls. - Acted as SME for Front and Back Office, Sales and RM's across product workability, financial risk, cross-border transactions and RMA matters. - Partnered with Technology, Operations, Compliance, Risk and Finance teams to deliver product enhancements and governance improvements.
- Managed an EMEA operational hub team of 8 supporting Global and Japanese CIB Trade Finance activities across vanilla and commodity-related transactions. - Oversaw end-to-end operational delivery across Letters of Credit, SBLCs, FI financing, ARPS, discounting, reimbursement and payment services. - Held authorization responsibility across multiple SWIFT message types including MT700, MT720, MT760, MT103, MT202 and MT400 series transactions. - Standardised commission calculations and implemented enhanced controls and operational processes for structured transactions across EMEA operations. - Led harmonisation of processing models, compliance implementation and operational procedures across multiple EMEA branches and systems. - Managed GBP and EUR reimbursement payment hub authorisations supporting operational accuracy and STP efficiency. - Acted as SME across Compliance, TBML, UCP600, URDG758, ISP98, reimbursement processes and discrepancy management. - Delivered quality management reporting, executive MI, near-miss analysis, risk reporting and GL/PL-related operational oversight. - Conducted training programmes for team members covering regulatory requirements, UCP, SWIFT messaging standards, sanctions and payment operations. - Partnered with Product, Compliance, Technology and Operations teams to improve controls, operational governance and process consistency across the EMEA Trade Finance platform.
- Managed end-to-end Trade Finance transaction processing across Letters of Credit, SBLCs, Guarantees and Payments within a regulated corporate banking environment. - Performed Compliance, AML and TBML checks ensuring adherence to internal governance standards and regulatory requirements. - Conducted documentary credit examination with individual checking authority up to USD 1 million. - Supported payment processing activities while promoting operational accuracy and STP efficiency across SWIFT payment workflows. Delivered SWIFT STP training initiatives improving operational consistency, reducing processing errors and enhancing transaction turnaround times. - Participated in Trade Finance training system procurement and operational enhancement initiatives supporting capability development and process standardisation. - Contributed to operational risk mitigation, governance improvements and customer servicing excellence across Trade Finance operations.
Supported the Trade Finance transformation program and implementation of the EXIMBILL core banking platform. - As part of transformation program managed Export Letters of Credit, Forfaiting and Confirmation transactions, expanded operational coverage to include Guarantees, Risk Participations and Syndication-related activities across Trade Finance operations. - Identified critical booking logic issues within Risk Participation and Syndication workflows during system transformation testing, partnering with IT teams to implement corrective enhancements and ensure accurate product booking and reporting integrity. - Contributed to governance and control improvements supporting operational accuracy, regulatory compliance and reduction of financial leakage risks. - Delivered SWIFT STP training initiatives improving payment processing accuracy, reducing operational delays and minimising revenue leakage caused by user errors. - Supported operational process optimisation, control enhancement and system integration activities across Trade Finance and Payments environments.