An astute Banking and Mortgage professional with 29 years of experience in Commercial & Financial Operations. Presently associated with ICICI Bank Ltd as Zonal Head Mortgages - East in Senior Management Grade managing the Mortgage portfolio. Has been the key person in formulating processes and policy changes, as well as the implementation and execution team for the Mortgage business of the bank including sales, distribution and P&L of this product. Also responsible for Business Development, Book Growth and Market Share Expansion. Earlier, as the National Credit Head - Mortgages (based in Mumbai) was responsible for Risk and Credit Underwriting of theBank’s Secured Mortgage Book, formulating business processes and policies, ensuring the quality of the portfolio with a focus towards customer turnaround time and better service quality. Has been an integral part of the Bank’s retail business management team. While serving as the Retail Credit Head - East, managed all retail loans (secured and unsecured) including SME business.Responsible for the entire retail portfolio of the zone along with establishing the business and process in the changed structure and policy. Prior to that, led as the Zonal Business Head - East, Mortgage Business. Adept in Business Development, Public Deposit Mobilisation, Sales Management, Relationship Management, Investment Advisory and Credit Appraisal. Expertise in analysing market trends to provide critical inputs and formulating and implementing marketing strategies. Exceptional abilities in devising new Financial Sales activities and accelerating Business growth. Possesses credit worthy interpersonal, communication and analytical skills with demonstrated proficiency in customer relationship management.