As a Senior Manager at Punjab National Bank, I apply my expertise in credit analysis and risk management to handle the end-to-end process of business credit for Corporate and SME clients. I have more than 12 years of diversified experience in the banking sector, with certifications in Financial Risk Management (FRM®), Moody's Certificate in Corporate Credit and Sustainability and Climate Risk (GARP SCR®).I have successfully managed large and complex corporate relationships under multiple banking and consortium arrangements, ensuring financial security compliance, designing internal control systems, and facilitating effective decision-making of the top management. I have expertise in Analysis and Management of Portfolio Credit Risk under BASEL – Standardised and Internal Ratings Based (FIRB and AIRB) Approaches along with Development and Analysis of Various Credit Risk Models and Credit Portfolio analytics tools.I also possess excellent interpersonal, communication, and analytical skills, with a proven track record of customer relationship management and business development.