- Strategic credit risk review of world wide lending decisions of SCB.- Covered all SCB foot print markets in Asia, Africa, Europe and USA.- Contributing to reduction in loan impairments through interventions at borrower, country and policy levels as well as fostering risk culture through experience sharing.

- Responsible for taking decisions on credit exposures for counterparties in Southern India. - Individual credit authority up to USD 125 million. Size of portfolio under management was about USD 2.5 billion. - Clients spread across sectors and sizes ranging from middle markets to large corporates.- Involved extensive interaction with senior management of companies.- Deliverables included portfolio growth, good asset quality and optimization of risk reward profile.

- Part of corporate banking relationship management team handling large local corporates.- Responsible for achievement of income and risk-return targets by ensuring adequate availability of sanctioned limits for existing clients and addition of new clients.- Handled a portfolio with sanctioned limits of USD 700 million.and covering all major client groups.

- Was part of the team that developed corporate banking franchise for BNP Paribas in the Southern Region. Portfolio included more than 30 clients and asset size of more than USD 300 mio across various products including Foreign Currency term loans (ECBs), cross border acquisition financing and derivatives.- Job involved working directly with head of the region. Responsibilities included extensive interaction with clients, understanding their requirements, analysis & credit evaluation, setting up limits and ensuring utilization so as to enable the region achieve income targets. - Preparation / execution of necessary documentation, charge filing, credit monitoring and handling RBI audit also formed part of responsibilities. - Independently handled clients (domestic and MNCs) across geographies (Chennai, Delhi, Bangalore and Hyderabad) and across sectors like cement, paper, sugar, software, pharmaceuticals, construction, ceramics, business process outsourcing, etc.- Maintained high levels of assets quality along with achieving income targets. - Resolved big ticket NPA accounts.

Last position held: Manager – Corporate Ratings- The responsibilities involved analysis and credit evaluation of companies, sectors and developing criteria for ratings. - Sectors handled include FMCG, auto ancillary, engineering, paper, sugar, crop care and retailing. - Independently handled high profile clients across sectors and across the country. - Published articles that show case analytical sharpness and won MD’s award for the same. Previous Position: Analyst – Financial Sector Ratings - Involved in ratings of securitisation transactions, Non Banking Finance Companies & Housing Finance Companies. - Handled securitisation assignments across different asset categories and sizes.