Avinash Kumar Rai Email & Phone Number

Seasoned Banking Professional with over 8 years of Industry experience across Various Scheduled Commercial Banks both Public and Private Sector. Presently Working as Senior Manager Credit for Khalilabad Region of Baroda UP Bank having 51 Bank Branches and 219 BCs Centres, with total business of around 1950 Crores.My Professional Journey So far:- Started as an Intern/Management Trainee in June-2014 through Young bankers Program in ING Vysya Bank which soon amalgamated with Kotak Mahindra Bank. (Span-12 Months) Started my Professional Career in Banking from July 2015 as a Deputy Manager with Kotak Mahindra Bank, Primarily dealing in Operations/Liabilities/Sales product. (Span-02 years and 10 Months) Joined Regional Rural Bank, Himachal Pradesh Gramin Bank as a Branch Manager (Middle Management Grade S/II) looking after a Branch of 45 Crores Business. Primarily Involved in Rural banking and Financing which included Kisan Credit Card, Mudra Loan, MSME Loans and various Government Sponsored Schemes. (Span-01 years 07 Months) Joined Baroda U.P Bank (India’s biggest Regional Rural bank) in Middle Management Grade S/II. Posted in Administrative Office-Gorakhpur which manages 12 Regional Offices and 710 Branches. My role involves:-• Monitoring of large Borrowal Accounts sanctioned under RMCC (Regional Managers Credit Committee). Ensuring compliance of Terms and Conditions of Sanction.• Post Sanction Review of Large Borrowal Accounts sanctioned under RMCC of 12 Region. • Monitoring of Progress under Government Sponsored Schemes focusing on Credit Growth through Disbursement under MYSY, ODOP, PMFME, PMEGP, AIF and SHGs.• Looking after Credit Related Complaints, Investigation of Branches. (Span 3 years 6 Months)Promoted to Senior Manager and Transferred to Regional Office Khalilabad as Senior Manager Credit/ HRM, Where i am Presently dealing with 51 Branches and 219 BC Location. Certifications:• JAIIB (Junior Associate of the Indian Institute of the Bankers)• CAIIB( Risk Management) (Certified Associate of Indian Institute of Bankers)• Certified in Risk in Financial Services from IIBF.• Certified in AML and KYC Guidelines from IIBF.:-

Listed skills include Microsoft Office, English, Microsoft Excel, Microsoft Word, and 13 others.