Hiten Mavani

- To manage existing individual portfolios of the Senior Management Team of bank’s 300+ strategic & sensitive corporate relationships with annual turn-over in excess of USD 200 Million. Approximate Employee: Owner ratio in these relationships is 75:25.
- To work in close co-ordination with Corporate Banking RMs to explore priority relationships among untapped corporate accounts and cross-sell wealth management products and generate fee income both on assets as well as liabilities.
- Provide client specific investment solutions based on his suitability and investment guidelines while also considering the sensitivity of the relationship.
- Work closely with Treasury team, the Product team & the Investment Advisor to design bespoke structured products, mutual fund portfolio & leveraged Sukuk portfolio for individual accounts.
- To provide ideas to corporate clients to optimize their business financing against structured deposits & Sukuk vis-à-vis plain vanilla deposits, post discussion and approval from the corporate credit & risk team.
- To deepen the relationship and bring on-board the untapped HNW individuals at the corporate level.

- Achieve new business / client acquisition goals and manage existing HNW relationships above USD 1, 000, 000 with the total book size of over USD 100 Million.
- Grow the existing client relationship & cross-sell other banking products viz. Mortgage Finance.
- Be the client’s trusted advisor and provide complete financial solution viz. Wealth Management, Retirement, Estate & Insurance Planning in line with bank’s prescribed standards & regulatory requirements.
- Generate 360 degree revenues - front end fees, net interest income (both on assets & liabilities) and incidental FX income from the client portfolios while adhering to the principle of asset-allocation as the building block.
- Exploit market opportunities both on investment as well as the levered portion of the portfolio to generate superior risk-adjusted return & simultaneously generate revenue for the bank e.g. currency swap transactions on the loan portfolio as well as the client equity.
- Regularly rebalance client portfolios while adhering to the risk profile specific in-house model portfolios & thereby generate revenue for the bank.
- Maintain client loyalty and promote brand identity by providing excellent service via regular updates and reviews on the range of financial products.
- Comply with all policies and procedures in relation to Client Due Diligence, Credit Risk Management, Client Appropriateness etc.

- Work closely with Relationship Manager to understand objectives of HNW clients and advise them the appropriate asset allocation, based on in-house research, suitable for client’s risk profile from long term perspective. It also entails working with products team and design specific products as per client’s requirements
- Track global markets across multiple asset class viz. Global Equities, Bonds, Commodities, Real Estate, FX & Derivatives.
- Advice appropriate product mix within each asset class from those available on bank’s as well as third party platform such as Mutual Funds, Structured Products (e.g. Floaters, CRANs, Reverse Convertibles, CPPI linked, REITS/ Commodity linked etc)
- Conduct regular market updates to the sales team and provide tactical investment ideas in-line with market movements, while adhering to long-term strategic portfolio design.
- Conduct Client Seminars and make presentations to RMs on the current economic scenario, market outlook and the suggested course of action.

- Active role in taking strategic investment decisions jointly with the Portfolio Manager.
- Conduct in-depth fundamental analysis of the company before including them on Master List.
- Project the turnover & other income/revenue streams of companies post considering domestic & global factors.
- Revisit portfolio strategy on regular basis
- Determine sector allocation and stock selection based on pre-defined selection criteria (combination of fundamental & technical)
- Use In-house financial model for every investment decision with primary factors being Growth, Valuation, Volatility, Gearing Ratios, Turnover Ratios, etc.
- Determine & implement risk management strategies for portfolios for measures such as Beta, VaR (Value at Risk), Sharpe Ratio etc.
- Perform Revenue Modeling & Forecasting for the business based on estimated Portfolio Turn-Over, Minimum Investment Level and Expected Growth in Business etc.
- Actively participated in finalizing the philosophy (GROWTH OR VALUE) for customized portfolio based on client’s risk appetite, returns expectations, cash flow requirements etc.
- Implemented with IT Team to incorporate Modified Dietz & XIRR method for portfolio performance evaluation.