Managing credit underwriting & risk function for 2 zones for both LAP & Business Loans (portfolio size of Rs. 2700 crores) with an approving authority of Rs. 10 crores for LAP and Rs. 50 lacs for Business Loans. Total team size of 8 zonal/area credit managers/credit managers comprising of AVPs, Sr. Managers & Managers. Job description includes portfolio monitoring, TAT management, giving inputs for designing & implementation of credit policies & programs, audit compliance & process implementation/improvement, PDD management, vendor monitoring/management, hiring & mentoring credit managers and performance management.

Heading Strategic Underwriting South, for loan amount > Rs. 10 cr for SME clients & real estate builders/developers. Also responsible for risk pricing, portfolio management (portfolio size of Rs. 1500 cr across South) & credit risk monitoring.

Managing credit function for Karnataka with a team size of 13 members, job description includes credit underwriting and structuring of credit facilities (LAP, Business loans & Home Loans) to Corporates, Builders, SME & HNI customers, Identifying potential industry segments & managing portfolio mix, Large accounts monitoring, Audit Compliance and process improvement, training and mentoring credit officers/managers as well as sales managers on industry, maintaining MIS & productivity dataAchievements:Have won Religare ACE awards twice for mentoring of credit managers & taking up additional responsibility of collection of LPP & Bounce charges from existing customersHave received several mails of appreciation for structuring of large ticket deals

rom Dec 2007 to Feb 2010 - Manager Retail Banking with Axis Bank Ltd., Bangalore Credit & Operations Head for Retail Asset Centre in Bangalore with a team size of 10, job description includes underwriting for all retail products Home Loans, Mortgages, Auto Loans, Personal Loans, Loan Against Shares, Handling Operations for all productsFrom Sept 2006 to Dec 2007 - Manager Product & Policy with Axis Bank Ltd., MumbaiProduct Manager for Retail Loans. Job description included conceptualizing and developing new differentiated products for mortgages, auto loan product and personal Loans, pricing, analysis of cost of funds, yields, setting up and streamlining processes for new and existing products, portfolio analysis with the objective of recommending changes and business decision support, product training of business teams and call centers, deriving insights to competitor strategies and coming up with proactive steps to counter them, developing long lasting and influential relationships with various key functions like Risk, Legal, Collections, Training and Senior Management.Products launched: Auto Loan ProductLease Rental DiscountingVariants for Personal Loan Products & Loan Against PropertyOverdraft Against PropertyReverse Mortgage Loan Product

Branch Credit Manager with ICICI Bank Ltd., Mumbai Job Description: Managing Mortgages Credit Portfolio for Central Mumbai Achievements: Received the best Branch Credit Manager award and Certificate of Appreciation from the Business Head in 2 quarters for process compliance and excellent turn around timeReceived the Gold Card from the Regional Business Head twice for contribution towards business