A professional banker with 33 years of experience encompassing Banking Operations, Credit Administration, Management of Stressed Assets, Debt Restructuring, Management of a mid sized bank encompassing all areas namely balance sheet size, quality of business, remittance business, compliance issues, corporate governance, people development, managing relations with the Central Bank, inter bank relations etc., at various hierarchical levels across India and Afghanistan.Managed Total Business Portfolio of US $ 450 Million; consisting of deposits of USD 320 mllion and advances of USD 128 million in the last assignment. While focusing on profitability (breaking into premium AFN 100 Million operational income zone and increasing the profit before provisioning for loan losses three fold) worked on introduction and implementation of systems and procedures (Made provisions not done earlier in the history of the bank), culture of compliance, capacity building of the local staff, maintaining good liaison with the Central bank as also the banking fraternity.An exemplary Communicator with expertise in liaison with Banks, Financial Institutions, Regulators, Government Institutions for coordinating on different issues. Contributing insights and experiences to colleagues to help them achieve quality results and overcoming unexpected difficulties and challenges to produce desired outcomes. Ability to develop innovative solutions and challenge the status quo to build bank’s business and image in the market.Actively supporting work improvement and/or organizational change by work, being client centric in ideation, and improvising new policies, systems and processes.Capacity to deal with conflicting priorities and to operate in difficult business environments while delivering high quality work on schedule; facility to work successfully in multicultural teams and across boundaries.