Harsh Saraiya
 
401 W La Veta Avenue, Apt 194
Orange
CA 92866
Tele # 714-538-5282
Email: hhsaraiya@rediffmail.com, hhsaraiya@yahoo.com 
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Qualification Summary 

Performance driven Finance Professional, with a proven ability to achieve and exceed all 
revenues and business development targets in a high pressure environment. 

•	Skilled in identifying the potential markets to finance SME segment. 
•	Relationship development skills that compliments the ability to aggressively 
build the client base. 
•	Comprehensive knowledge and experience of financial analysis and ratio analysis 
which facilitates identification of potential clients to finance. 

Professional Experience 

Executive SME Credit 
Axis Bank Ltd., Ahmedabad 		April 2006- Nov 2007 
Gujarat India.

Built an excellent record of achievements through consistent performance and target 
achievement. 

Major Responsibility: 

•	New client acquisition for corporate finance and trade services. 
•	Performing Multi million dollar appraisals for corporate clients for providing 
financial facilities. 
•	Providing & involved in funding working capital finance like cash credit, Letter 
of credit (Import and Export), Bank Guarantee facility, Term loan, and Overdraft facility 
up to $ 5 million. 

Selected Achievements: 

•	Achieved all the annual targets for schematics and non-schematics finance for SME 
sector in less than allotted time. 
•	Boosted the portfolio size from $ 49 million to $ 82 million in a span of 10 
months, setting a record growth of 69%. 
•	Added 25 new SME clients to the portfolio. 

Sr. Trade Relationship Executive 
ICICI Bank Ltd., Baroda 			Nov 2004-Mar 2006 
Gujarat India.

Served as member of the team, which was responsible to achieve their new client 
acquisition target consistently on a monthly basis and was ranked no. 1 twice. 

Major Responsibility: 

•	New client acquisition for trade services. 
•	Providing working capital finance like cash credit, Letter of credit (Import and 
Export), Bank Guarantee facility, Term loan, Overdraft facility etc to small business 
with a ticket size of $ 0.5 million or less. 
•	Worked with the collection and payment teams & help achieve them there quarterly 
targets. 
•	Collection and Payment services for all the kinds of documents like Inland, 
Exports and Imports. 
•	Providing forex services to the client such as Forward Contract, Option Contract 
and SWAP. 

Selected Achievements: 

•	Achieved a record number of new client acquisition for trade services. 
•	Apart from achieving own targets, I was also responsible for generating new leads 
for business banking department which was over $ 18 million of business. 

Education and Professional Qualifications 

•	Bachelor of Law (LL.B), 2005 from Gujarat University, Ahmedabad Gujarat, India. 
•	Master of Commerce (M.Com) in Accounting, 2003 from Gujarat University, Ahmedabad 
Gujarat, India. 
•	Master of Business Administration (MBA) in Finance, 2001 from Gujarat University, 
Ahmedabad, Gujarat, India. 
•	Company Secretaries (C.S.) (Intermediate), 2000 from Institute of Company 
Secretaries of India, New Delhi, India. 
•	Bachelor of Business Administration, 1999 from Gujarat University, Ahmedabad 
Gujarat, India. 
•	Summer Training: State Bank of India, Vatva Industrial Estate Branch Ahmedabad on 
Credit Management and Industrial Finance.