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Raj Kumar Sharma

Banking & Finance Professional


Banking & Financial segment professional with diversified experience in banking.

Presently working as Assistant General Manager & Trainer at one of the Apex Training Institute of State Bank of India at Indore. Imparting training to newly recruited bank officers in various fields of banking i.e. forex, credit, general banking, agri, p-seg, compliance, treasury , risk management etc.

Worked in various areas of banking inclusive of Foreign exchange treasury, derivative marketing & execution, risk management, treasury sales, financial arbitrage, export & import credits, corporate lending, retail lending, agriculture lending, Branch management, MIS reporting, budgeting, performance monitoring, ISDA documentation etc.

Exposure to complete work cycle of advances i.e. customer identification, marketing of product, pre sanction, sanction, documentation, post sanction, recovery, write off, NPA management.

Specialties & Exposures :
# Foreign Exchange & Interest rate Derivatives (Options & Swaps) # Foreign Exchange dealings # Treasury Sales # Foreign Exchange and interest rate risk advisory and management. # Corporate & HNI relationship # Loans & Advances # Fixed Income products # Branch Management# MIS reporting & auditing # Export-Import credits # Arbitrage#Credit 

Work experience

State Bank Foundation Institute


Assistant General Manager & Faculty

Trainer for various topics relevant to banking and finance

State Bank of India

Jun 20092015

Chief Manager

#Leading a team of dedicated treasury professionals. #Relationship with Large & Mid Size corporate s for treasury products. Provided advisory services on foreign exchange risk management, hedging solutions, #Advisory relationship with SME & NRI segment customers with focus on assistance in hedging of their exposure and arbitrage. #Booking of foreign exchange conversion & structured product deals. #Advisory on export-import, arbitrage related matters. #Treasury Product Marketing #Guiding International banking teams across Andhra Pradesh & Telangana Region on foreign exchange services and related issues. #One point contact for derivative products for the entire Andhra Pradesh & Telangan Region. #Advisory on banking regulator's guidelines on derivative and foreign exchange business. #Resource person to various branches / corporate's across the region on foreign exchange and risk management. #Understanding of Exchange traded currency futures and equity option, futures, arbitrage etc. #Coordinated between front office, back office, branches, corporate s on derivative dealings.

State Bank of India

Jul 2006Jun 2009

Branch Manager (Manager)

# Worked as Branch Head in two medium size branches. # Responsible for entire branch functioning with achievement of targets in Loans & Advances, Deposit, NPA management, Profitability, CASA, Cross Selling, Fee income, Reporting, Auditing etc. # Responsible for growth of business # Sanctioning authority for Loans & Advances within the discretionary powers. # Credit processing. # Responsible for Marketing & liaison with local govt authorities /corporate s for business. # General Branch Management. # Regulatory compliance # Responsible for performing and performance reporting on various segments.

State Bank of India

Jun 2002Jun 2006

Deputy Manager Credit

# Responsible for entire cycle of Loans & Advances. # Marketing of Loans & Advances products # Pre-sanction # Credit appraisal # Sanctioning of Loans & Advances within the discretionary powers # Exposure to Personal Segment advances (Housing, Car, Education ,Personal loans etc) # Exposure to SME segment advances # Exposure to Agriculture segment advances # Relationship management with High Networth Individuals. # Recovery/ Renewal of advances. # Documentation

State Bank of India

May 2000May 2002

Probationary Officer

On job training in various segments of banking inclusive of # Credit appraisal for SME/C&I segment advances # Retail advances # International Banking # Branch Management, Branch accounting, HR Management # Liability products # NPA management # Attended 14 weeks of training programmes at bank's premier training institutes on topics related to Banking and finance. # Project work on Soyabean oil industries with emphasis on finding major reasons for their poor performances.

Education & Certifications

Bhopal University, Benazir College


Bachelor of Science (B.Sc.)

Graduated in Bachelor of Science with major subjects being Mathematics, Physics, Chemistry

AISECT University Bhopal (All India Society for Electronics Computers and Technology)


Post Graduate Diploma in Computer Application

# Fundamental of computers and information technology # Operating systems and MS office # Programming Concepts & Fox Pro # Introduction to Financial accounting with Tally # Programming in visual basics & C++ # Introduction to Internet and web designing.

Indian Institute of Banking & Finance


Diploma in Treasury Investment & Risk Management

Diploma course conducted by Indian Institute of Banking (IIBF) and Finance in collaboration with Fixed Income Money & Derivative Association of India (FIMMDA) The studies covered # Treasury Products # Hedging # Foreign Exchange Risk Management # Fixed Income & Money Market products # Derivatives etc.

Certified Associate of Indian Institute of Banking and Finance (CAIIB)

Advanced course on  risk management, treasury management, balance sheet management, credit management, International banking , economic analysis etc.


Junior Associate of Indian Institute of Banking and Finance (JAIIB)

This course aims to provide  basic knowledge in banking and financial services, banking technology, customer relations, basic accountancy and legal aspects necessary for carrying out day to day banking operations.


Diploma in International Banking

International Banking Operations (2) International Banking - Legal & Regulatory Aspects , (3) International Corporate Finance

Indian Institute of Export Management (IIEM)


Diploma in export management

# Export Documentation # Export Marketing # Export Finance # Shipping & Packaging # Software Export

Madhya Pradesh Bhoj (Open) University


Diploma in Management (MBA 1st Year)

Marketing & Finance

Advanced Wealth Management

This course covers the entire spectrum of financial services / products from banking, insurance, pension fund, mutual fund, derivatives, debt market to micro credit


NISM Series I : Currency Derivative Certificaiton

  • Know the basics of currency markets and specifically Exchange Traded Currency Derivatives markets. 
  • Understand the trading, clearing and settlement mechanisms related to Currency Derivatives markets and basic investment strategies that use currency futures and options products.
  • Know the regulatory environment in which the Currency Derivatives markets operate in India.

NISM Series IV : Interest rate derivative certificaiton

  • Know the basics of fixed income securities markets and specifically interest rate derivative markets in Indian and developed world.
  • Understand the analytical framework required for Bond Futures market in India along with trading and hedging strategies involved
  • Understand the clearing, settlement and risk management as well as the operational mechanism related to interest rate derivatives markets
  • Know the regulatory environment in which the interest rate derivatives markets operate in India.

NISM Series VIII: Equity Derivatives Certificaiton Examinaiton

  • Know the basics of the Indian equity derivatives market.
  • Understand the various trading strategies that can be built using futures and options on both stocks and stock indices.
  • Understand the clearing, settlement and risk management as well as the operational mechanism related to equity derivatives markets.
  • Know the regulatory environment in which the equity derivatives markets operate in India.

NISM Series V C : Mutual Fund Distributors (Level 2) Certification Examination

  • Understand the salient features of Fund of Funds, Exchange Traded Funds, Real Estate Mutual Funds, Venture Capital Funds, Private Equity Funds and International Funds
  • Understand ethical requirements and measures to protect mutual fund investors. etc

NISM-Series-V-A: Mutual Fund Distributors Certification Examination

  • Know the basics of mutual funds, their role and structure, different kinds of mutual fund schemes and their features
  • Understand how mutual funds are distributed in the market-place, how schemes are to be evaluated, and how suitable products and services can be recommended to investors and prospective investors in the market.
  • Get oriented to the legalities, accounting, valuation and taxation aspects underlying mutual funds and their distribution.
  • Get acquainted with financial planning as an approach to investing in mutual funds, as an aid for mutual fund distributors to develop long term relationships with their clients.

NISM-Series-X-A: Investment Adviser (Level 1) Certification Examination

  • Know the basics of investment advisory, steps in the advisory process, making and implementation of financial plan.
  • Understand how to evaluate different products, their suitability and how the recommendation of the same can impact investment risks, returns and strategies in a personal finance environment for investors and prospective investors in the market.
  • Get oriented to the Income tax, Wealth tax and legalities of Estate planning in personal finance, and regulatory aspects underlying advisory.
  • Get acquainted with financial planning as an approach to investing, insurance, retirement planning and an aid for advisers to develop long term relationships with their clients.

NISM-Series-III-A: Securities Intermediaries Compliance (Non-Fund) Certification Examination

  • Understand the structure of financial and securities markets in India; financial intermediaries and the types of products available in the Indian market.
  • Understand the regulatory framework and the role of the various regulators in the financial system.
  • Understand the Importance of Compliance function and the scope and role of the compliance officer in the Indian securities market.
  • Understand the various regulations and rules of the Indian securities market as related to the defined group of intermediaries.
  • Understand the importance of compliance of the rules and regulations and the penal actions initiated in case of any default or failure.

NISM-Series-VII: Securities Operations and Risk Management Certification Examination

  • Know the basics of the Indian securities market, the different products traded and the various market participants and the respective roles they play in the Indian securities market.
  • Understand the regulatory framework and the role of the Securities Exchange Board of India.
  • Know the various functions of the Front Office, Middle Office and Back Office in a Securities Broking Firm.
  • Understand the trade life cycle, the steps and participants involved in the trade life cycle and the role of the back office in a securities broking firm.
  • Understand how the risks are managed in a securities broking firm, the clearing and settlement process.
  • Understand the process of investor grievances redressal.

Indian Institute of Management, Calcutta


Advanced Training Programme for Treasury Personnel

6 day certification cum training program on financial markets and risk management. The program has covered # Option pricing and valuation # Bond valuation/ pricing/ FRA/ # Technical Analysis # VaR & Portfolio Management # Portfolio construction/ High frequency trading/ Algo Trading # Option Greeks & Derivative products # Hedging Strategies # FX & Bond Trading with news analytics

National Institute of bank management - Pune (NIBM)


Forex Dealings with Bourse game

12 days certification cum training program on foreign exchange risk management and inter bank dealings.


Financial Risk
Financial Markets
Credit Analysis
Commercial Banking
Risk Management
FX Options
Core Banking
Foreign Exchange
Trade Finance
Retail Banking
Computer Hardware
Software Installation
Computer Proficiency
Microsoft Office
Cross Selling
Life Insurance
Team Management
Team Leadership
Personal Finance
Branch Banking
Branch Management
Current Affairs
Credit Derivatives
Derivatives Trading
FX Derivatives
Exotic Derivatives
Interest Rate Derivatives
Foreign Exchange Management
Housing Finance
Treasury Management
Certified Treasury Professional
Equity Research
Equity Trading
Equity Derivatives
Foreign Exchange Risk Management
Currency Exchange
Foreign Currency Transactions
Equity Capital Markets