Position Encompasses • National Credit Manager—Supply Chain Finance (SCF)• Head of Credit—Emerging Corporate Group (incl. DRO)• Credit for funding under all Government of India schemes• Reporting to Consumer Credit Head, next to Chief Risk Officer Awards & Recognitions• 2019 Received prestigious AAA Asset Awards, Hong Kong—Supply Chain Solutions–6 Categories• Multiple recognitions for the group incl. award from Institute of Supply Chain Finance• Appreciated by CEO for portfolio qualityAchievements• Successfully built credit vertical for bank’s supply chain finance practice• Developed industry’s best portfolio with lowest delinquency (<0.5%)• Instrumental in transition & diversification of group from only automobile sector to other industries• Successfully introduced all working capital, trade & term loan products in SCF• Decentralized credit hubs & set up of new credit locations• Dubai Rep Office (DRO) of Bank & International Banking Unit (IBU) launch—Created credit processes, statutory compliances e.g., FEMA for new business• Materialized new program to leverage on bank’s retail business; Bringing two financing verticals on one platform• Member of bank’s leadership team to train employees on Customer First vision

Portfolio • Size—₹15,000M+Awards & Promotions • Received Gold Leader Award for leading excellent team performance• Selected for ICICI Leadership Mentoring Program (LMP): Attained fast-track promotionsAchievements • Created portfolios with negligible delinquency in North & South India• Trained Branch Banking staff of erstwhile Sangli Bank, Maharashtra on asset products• Designed Credit Training module; Trained Pan India credit team• Spearheaded one of the best recoveries of Ring-Fenced Portfolio of working capital products post 2008 Global Financial Crisis• Key role in developing Jet OD—Score-based automated unsecured overdraft product; Implemented across lending verticals of ICICI Bank

SME Finance within Rural Banking.

SME Lending within Rural Banking Group

• Retail Products & Corporate Linked Programs within Rural Retail GroupFirst to successfully launch• Farmer Financing (retail loans for rural & corporate linked programs with RIL, BILT, Suguna etc.; Appreciated & recognized by ICICI Bank Agri Head & processes replicated PAN India• Rural housing in AP—Processes & infrastructure• Successfully set up 5 new credit centers in AP to launch new products• Processed the largest portfolios of Farm Equipment Products with lowest delinquency• Key contributor in PAN India group level process mapping of Retail Agri products (Level 3 quality process)

Achievements— SOX Compliance & Operational Improvements• Did process mapping of all core processes of India operations & created walk-through document

Achievements• Created Debtors Management System; Successfully reduced receivables from 50 to 33 days; Highly appreciated by publisher of HT group• Decentralized operations process to launch new satellite unit• Cost Rationalization: Did Six Sigma Project to reduce wastage & rationalized delivery routes for time effectiveness & cost saving

Achievements• First Few to get TPA License for Medical Insurance• Managed financial plan & compliance processes submission to IRDA for TPA Licensing including creation of payment structure & terms for empanelment of doctors/hospitals in coordination with consultant

Managing Accounts for the Hindustan Times Satellite Printing Unit at Gurgaon.