• Portfolio Management of 8 major products, including Affordable Home loans, Home loan, LAP, LRD in Urban and Semi Urban area and Micro LAP, Tractor Finance, KCC, and MEF in Rural Market.• Policy Formulation for New Products: Loan to Hospitals, LAP loans for School, Micro LAP , KCC to progressive farmers, Loan to Pisciculture farmers , GST based LAP and Home loan., Solar Equipment funding.• Collaborating on co-lending arrangements with various NBFCs and formulating policy, process and regulatory compliance and created low cost lowest delinquency portfolio for the Bank. • Portfolio monitoring and corrective action through extensive delinquency analysis, cheque bounce, Vintage curves, risk appetite, trending across location level, assessment methods, deviation mechanism and Flow rate analysis.• Spearheading digital initiatives: GST enabled processing through APIs, Direct download of Financials from Income Tax records, Co-lending digital platform for pre and post disbursement data flow and part of core team for SFDC system.• Worked on scorecards, deciding the decision strategy under different scorecard bins and portfolio performance monitoring for updation.

Commercial Vehicle, Construction equipment, Health care Finance,LAP, Home loan & Affordable home loan Policy, Co lending retail business

A strong background and skills in managing large portfolio, team of credit approvers and policy mangers, innovating and recreating credit process and policy Launched 5 new Products in last 3 year, amongst which Product based on GST return was first of its kind in Banking Industry. Scorecard Based model used as decisioning tool for approval and rejection.• Scorecard development for different ticket size lending utpo 5 Cr offering all products like CC, OD, Term loan, BG, LC, Export Credit etc. Scorecard has functionality of auto approval/rejection and improved TAT.

credit analysis entailing detailed technical, financial, business & industry analysis.Implemented robust Early Warning and portfolio analytics with tight controls and change in Risk Paradigm to create and maintain one of the best portfolios against overall economy adversityFacilitating approval from various committees through standardization of proposal and consistent quality and also effectively addressing risks and mitigates. Proactive customer relationship management to continuously keep engaged with the customers and to ensure we pick up weakening signals and take corrective actions early. Hold responsibility for implementation of high standards of internal control and procedures in order to safeguard the institutions operations assets and data. Final responsibility for Compliance and Governance of portfolio to Audit team and Credit Head. Continuous evaluation of credit process and policy to be in line with Bank Risk apatite and changing external environment.Training and mentoring Relationship Managers for effective credit delivery Innovating and improving products implementation and work process to align to best practices in risk and customer delivery.PROFESSIONAL RECOGNITION• Received “Yes Champion Trophy” for the excellence in the field of Risk Management for process improvement, efficiency and knowledge based approach. – 2010.• Assigned personal credit approval authority of INR 50 MM • Designed Process Manual for the Business Banking implemented across the bank• Formulated e-Learning module for SME credit approvers across the Bank.

CBOP & FEPL JV (TEMASEK INDIA’S SUBSIDIARIES) 2005-20071. Assisted the North credit team as part of Separate Business Unit formed as a Joint Venture,the first of its kind in the Country within the boundaries of high standards of Temasek and in compliance with in country regulation for CBOP. 2. The joint venture was formed to build up a world class SME portfolio and the SBU built up a portfolio in excess of Rs 4000 crore in two and half year. 3. Handled credit appraisal and approval for Delhi and NCR which was the largest chunk of theportfolio built by the Joint Venture. 4. Had PCAA (personal credit approval authority) of Rs 15 Mn and independently approved andhandled a portfolio designated as Area Credit Manager. 5. Managed end to end customer credit lifecycle from assessment, on boarding, disbursement, credit management and collections. 7. Implemented Program based risk approach of the JV to be in line with SBU risk reward matrix and create a portfolio of world class standard. 8. Handled external vendors like valuers, title search lawyers, company secretary. 9. The alliance portfolio was one of the best in the industry with a growth in assets by 500% over a period of two years and with minimal credit loss of 0.6%.CENTURION BANK OF PUNJAB 2000-20051. Underwrote proposals for entire North region as part of Regional Credit Team across customer segment of Small, Medium and Large Corporate. 2. Responsible for risk assessment of proposals for 10 branches across North and put up to Central Credit Committee 3. Ensured quality of proposal is consistent, acceptable as per Credit Committee standards standardized and within Bank’s risk culture. 4. Monitored portfolio recommended by North underwriting team and advised Branches of corrective actions. 5. Experienced all round Branch banking like clearing, customer service, core banking system operations, transaction monitoring, maintaining branch records like cash book, branch closing etc.