• Relationship Manager (ME) overseeing a portfolio of 40+ business customers with a total value exceeding INR 400 crore.• Conducted due diligence on 10-20 clients monthly, aligning with credit management and fraud analysis• Proficient in NPA recovery, reduced stress assets from 40% to 5%, vital in Credit Management• Proactively monitored post-sanction phase, ensuring client financial obligations & compliance• Implemented cross-selling strategies, generating INR 25 lacs in increased revenue and Process Improvement• Used data-driven decision-making and fraud analysis to enhance transaction security in Credit Management• Utilized advanced financial analysis skills to empower 40+ clients in making informed financial decisions• Proactively pursued sales opportunities, contributing to meeting annual sales targets of INR 40 crores• Evaluated and proposed system/process improvements for operational efficiency and compliance optimization

• Credit Manager for SME portfolio, achieved 3X AAA rating and generated INR 250 Crores in new business• Rapidly disbursed INR 100 crores in 30 days during COVID-19, aiding struggling SMEs• Ensured meticulous documentation and data management for compliance and process improvement• Mastered NPA recovery, recovered INR 25 crores, improving asset quality in portfolio• Conducted post-sanction monitoring, ensuring client adherence and Compliance Optimization• Used advanced data-driven fraud analysis to detect and prevent fraudulent activities, enhancing Risk Management• Managed consortium funding of INR 500 crores, fostering collaborative relationships with financial institutions• Maintained strict adherence to audit and regulatory compliance standards, improving audit score by min 10%• Championed process enhancements for operational efficiency, compliance, and customer satisfaction• Domain expert for credit systems implementation, collaborated with IT for seamless integration• Provided comprehensive training for team members, contributing to professional growth and skilled workforce• Orchestrated campaigns and seminars to educate clients, fostering strong Customer Relationship Management

• Credit Manager for SME portfolio with 2X AAA and AA ratings, generating 100 Crores in new business• Maintained meticulous documentation and reporting standards, ensuring legal and regulatory requirements were met• Demonstrated prowess in NPA recovery, contributing to Asset Quality Optimization • Actively monitored post-sanction activities, ensuring client adherence to financial obligations and terms• Provided responsive day-to-day customer support, fostering high client satisfaction levels• Used advanced data-driven techniques for fraud and financial analysis, mitigating risk• Rigorous adherence to audit standards and regulatory compliance• Demonstrated expertise in credit underwriting, ensuring sound credit decisions

• Promoting current products/services and expanding the reach of new digital offerings• Support to customer onboardings and account opening procedures• Conducted thorough due diligence, and ensured compliance with KYC and AML requirements.• Resolved product or service concerns to drive retention and sales• Detailed documentation for assignments and work progress• Reviewed credit reports, identified red flags for retail credits• Proactively managed customer service for over 25 clients daily