• An astute professional with more than 34 years of experience in SBI• Proficient in sales management, credit management, NPA management, branch management, regulatory compliance, new business development, relationship building and more• Worked closely with Govt. officials, analysts, CAs, real estate builders, automobile dealers, office bearers of chamber of commerce, marketing, legal, pension, insurance and mutual fund managers• Excellent communicator and negotiator. Able to build strong rapport with customers & employees. • Having indepth knowledge of banking industry, IRAC norms, SARFAESI Act 2002, Recovery of Debts due to Banks and Financial Institutions Act 1993 and familiar with other banking regulations• Possess comprehensive understanding of Risk management• Presented high value credit proposals to apex level Credit Committee of the Bank• Good understanding of Actuarial analysis• Performed research to evaluate market trends/competition and slowdown in steel sector• Introduced the culture of 'Gold Loan' in Bank in Delhi-NCR, part of western UP & Chattisgarh• Successful track record in loan repayment negotiations and settling compromise proposals• Dealt with proposals for restructuring/rescheduling of debts• Strong background in complying with regulations, laws and policies governing the banking industry• Technical skill:- Proficient in Microsoft Office- Word, Excel, Power Point, Outlook• Other Interest:- Reading, Self Help, Yoga, Bollywood movies, Social Service