Expertise
My experience spans Transaction Banking, Trade Finance, Bullion Banking and the financing needs of the Gems & Jewellery sector.
Trade Finance & Export Finance
My work with exporters and manufacturers covers letters of credit, bank guarantees, export and import finance, documentation and working capital. This includes SWIFT message processing across MT700, MT202, MT103 and related formats.
Treasury & Foreign Exchange
Experience in deal booking, forward contracts and capital account transactions, including Overseas Direct Investment (ODI), Wholly Owned Subsidiary (WOS) structures and Foreign Direct Investment (FDI).
Bullion Banking & the Gold Ecosystem
Gold Metal Loans, bullion supply, gold sourcing and procurement, refinery relationships and jewellery manufacturing finance, with experience across Eastern India and Gujarat.
MSME & Corporate Banking
I have worked with micro, small and medium enterprises (MSMEs) and corporate clients in jute, food processing, information technology, auto components, small manufacturing and services.
Regulatory Compliance & Industry Liaison
Practical experience with RBI guidelines, FEMA requirements, Customs and GST matters. My work has involved Customs House Agents and the Gem & Jewellery Export Promotion Council (GJEPC) at regional and national levels.
Industry & Business
Jewellery manufacturers and exporters, bullion traders, gold importers, refiners and businesses involved in trade.
Institutions & Industry Bodies
Banks, financial institutions, trade associations, industry bodies and regulatory authorities.
Professionals & Students
Banking professionals and students interested in understanding trade finance and its practical application.