➢ Appraising proposals for SME and conducting risk analysis, scrutinizing relevant documents beforesanctioning loans within defined TAT.➢ Client interview, ensuring compliance as per bank's credit policies.➢ Supervising, controlling delinquency and credit loss.➢ Risk (credit/investment, operational, others) identification and mitigation.➢ Leading, mentoring & monitoring the performance of the team members to ensure efficiency inprocess operations.➢ Managing a team of Credit Managers & Credit analyst.➢ Heading for Centralized Underwriting Process (PAN India) for Salaried PL.➢ Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security orthe client.➢ Minimizing Fraud risks by constantly evaluating process gaps and improvising risk policy.➢ Controlling over cost & collections/Risk for CU process.➢ Implementation of credit policy and continuous evaluation to ensure adherence to the policy andcompliance with the authority matrix, responsible for market research and feedback for new productlaunch and reporting of location metrics like login, approval, disbursal, rejection, and deviation onmonthly basis.

Implementation of credit policy and continuous evaluation to ensure adherence to the policy and compliance with the authority matrix, responsible for market research and feedback for new product launch and reporting of location metrics like login, approval, disbursal, rejection, and deviation on monthly basis.