In a large corporate environment in which decision often get bogged down in layers of bureaucracy and good ideas whither while waiting for approval to execute, In his power packed career of over 13 years, he has gained rich exposure in Banking industry. Strong credential in People Management, Assessing Credit proposal, KYC Compliance and Auditing Reporting. His excellent relationship management skills enable his to nurture long lasting relationships with well-established, global competitors and clients. Adept at handling entire branch operations & administration with excellent expertise in Debt Management, Internal Control Management, Risk Advisory, Pricing, Costing, etc. Right from the outset, Mr. Pankaj is rendering his services for IDBI Bank where he progressively held prominent roles that includes; Customer Services Executive, Relationship Manager, Asset Officer, Operation Manager, Branch Head and presently working as Credit Manager/Asset Officer. In his current capacity, he is responsible for conducting financial review of customer lines of credit by assessing company financials and initiating credit application reviews. He is also accountable to follow Turn Around Time for processing new / existing proposals. Skilfully handling resolution of NPA by various methods. He has been instrumental in researching and evaluating clients' creditworthiness. Efficiently streamlining processes for early identification of potential credit system and monitoring problems. Deftly involved in approving or rejecting loan request bases on credibility and potential revenues and losses.Adding to this, he is also working cross-functionally with sales, management and other departments to maintain effective operations. . Pivotal in analysing risk and marketing of Banking Products. Significantly monitoring of existing credit proposals. Mr. Pankaj’s personal profile is shaped by strong family values, a superior work ethic and an integrity-driven competitive nature that drives him to exceed and motivates those around him. He has also completed Certification on Financial Planning and Credit Officer and qualified JAIIB exams to widen his horizon in this phase of globalization & industrialization. Mr. Pankaj has reached personal and career milestone, securing a healthy and advantageous balance that epitomizes success. As a developed leader, mentor of businessman and volunteer he values relationships and cultivates important alliances that serve instrumentally in his career and personal life.