Senior Professional having 16 years of experience in Banking industry across different domains and various geographies. Have been part of top Private Sector Banks and have handled Credit Appraisal & monitoring, Risk Analysis and Delinquency Management of Retail as well as SME Loans. Confident and poised in interactions with individuals at all levels, and have strong organizational, technical and interpersonal skills. Initial experience of 5 years in handling unsecured loan Collections in Bangalore and in Jabalpur in ICICI Bank.From June 2013 onwards till Oct 2018, I was part of Credit Team in ICICI Bank, initially as a Risk Analyst and later as a Regional Credit Manager, responsible for underwriting proposals of Business Loan Group and Rural & Inclusive Banking Group ( SME and Agri Business). Started working as a Risk Analyst in June 2013 where primary responsibility was credit appraisal and processing of allocated cases within TAT and ensuring due diligence.During FY-17-18, role was Regional Credit Manager, ICICI Bank, involved in credit underwriting and also allocating cases to team of Credit Analysts, ensuring timely decision making, healthy portfolio quality along with business growth in the region. Area of responsibility included Jabalpur MP and nearby locations (Eastern MP Mahakaushal Region).Have also worked in HDFC Bank as a Senior Manager, Wholesale Credit Risk, Business Banking in Jabalpur, responsible for underwriting working capital proposals of SME Customers for exposure upto INR 10 Crores, Vendor management, and controlling early delinquency through regular account monitoring.Worked in Axis Bank Ltd, as Area Credit Manager, Small Business Banking based at Indore. Spearheading credit team for Western MP for MSME working capital (CC/OD, LC/BG, Export Credit etc), Term loan and Unsecured Business loan proposals. Presently working with HSBC as a Risk Approver, Wholesale Credit Risk Management for Singapore Market.I have also completed Senior Management Programme, Batch-16 from IIM Calcutta, for the year 2019-2020 with 'Excellent' grade. It is the oldest and most prestigious Senior Management programme offered by any IIM. This one-year programme has been designed specifically for senior executives to: (1) equip them with analytic skills, (2) enhance their existing functional competencies, and very importantly, (3) transform them into strategic leaders