· Revitalized and Restructured distressed Assets through CDR and non CDR routes.· Resolution through IBC· Recovery through Settlement and Legal actions:

· Managed Relationship of CLB portfolio comprising of 90 corporates with 1500 customers with sanctioned exposure of ₹ 2000 Crores.· Developed three products to provide working capital facilities to CLB borrowers and their group companies.· Made substantial changes to the existing programs to grow the book.

· Ensured that the loan portfolio is in line with the Credit Policy and is in compliance with internal and regulatory guidelines.· Strived for on-going improvement of the credit processes.· Tracked relevant sectors / industry and assess key industry risks on an on-going basis.· Ensured that detailed credit analysis and to provide independent opinion to Risk Department / Sanctioning committees.· To ensure that all risks (including Credit, operational, Market risks etc) are clearly identified and steps to mitigate set out and adhered to.· Portfolio Monitoring & Stress-testing including proactively reviewing the portfolio based on market conditions and take corrective actions.· Initiate Asset Reviews, where ever applicable· Maintain portfolio quality by having minimum non-performing assets.· Sanction proposals within the delegated joint/ forum authority.· Imparting on-job training to juniors, Management trainees and business functionaries.

· To ensure that the loan portfolio is in line with the Credit Policy and is in compliance with internal and regulatory guidelines.· To strive for on-going improvement of the credit process· To track relevant sectors / industry and assess key industry risks on an on-going basis.· To ensure that detailed credit analysis and to provide independent opinion to sanctioning committees.· To ensure that all risks (including Credit, operational, Market risks etc) are clearly identified and steps to mitigate set out and adhered to.· Portfolio Monitoring & Stress-testing including proactively reviewing the portfolio based on market conditions and take corrective actions.· Auditing the Post sanction process on an on-going basis.· Initiate actions when portfolio triggers are breached.· Initiate Asset Reviews, where ever applicable· Maintain portfolio quality by having minimum non-performing assets.· Empanel Audit / CA firms, valuer, Risk containment / Field inspection agencies· Liaise with borrowers’ bankers, Credit rating agencies, CIBIL, Credit Insurance Companies etc.· Sanction proposals within the delegated authority.

· Formulated Policies and Risk Scoring Models for SME loans, i.e WCDL, TL, Equipment finance, Bill discounting, Factoring, Channel Finance, LC and BG· Set up the SME Risk sector team pan India and· Management of the SME & Equipment Finance Portfolio of the Company.· Training, recruitments, skill development, empanelment of various agencies· Was instrumental in growing the book by 35% in one year with less than 1% delinquency

· Joined in September’06 as Manager (SME), Promoted to AVP (SME) in May 2008. Designated as Senior Credit Officer.· As a zonal functionary of the bank, heading a team of 15 credit analysts for processing credit proposals.· Responsible for generation of new business based on the credit policy and keeping a track of the health of the credit portfolio.· Interacting with clients to understand their credit needs and thereby structuring their credit proposals. Assisting the credit analysis team with their proposals.· Sanctioning Credit proposals upto Rs.250 Lacs.· Vetting the credit proposals and submitting it to the sanctioning authority for sanction beyond my sanctioning power. Responsible for the final assessment and recommendation of credit proposals apart from the usual monitoring, identifying and follow up with customers· Preparation of MIS reports· Monitoring the branches’ post sanction.

· Headed a team of 45 and supervised the daily operations of the branch.· Responsible for man power management, customer relations, audit compliance, liaison with the government officials (it being a district head quarter branch), internal rating of the branch and budgetary targets.· Handled the Currency Chest of Reserve Bank of India and the credit portfolio.· Managed and adhered to internal and external compliances and enforced internal controls.

· The team was responsible for appraisal and recommendation of mid- corporate accounts ranging from Rs 5 crore to Rs 250 crore.· As a team leader was responsible for the final assessment and recommendation of credit proposals apart from the usual monitoring, identifying and follow up with customers.· Apart from regular recommendations, handled restructuring of credit facilities under CDR and non CDR routes, compromise and rehabilitation proposals.· Suggested changes to the terms and conditions governing credit facilities.· The responsibility entailed a wide exposure to industries ranging from Medium & heavy engineering, tea, jute, cotton, Iron and Steel, mining, education institutes, Construction, Real Estate, Hospitals, Pharmaceuticals, Polymer and petrochemical product etc.

· Responsible for the SME and mid corporate segment credit facilities ranging from Rs 2 crore to Rs 50 crore.· Identified credit proposals, verified the proposals and then recommended for disbursement.· Ensured compliance to Credit Audit Reports and other statutory requirements· Managing credit product delivery to customers after suitable compliances.· Appraisals of credit proposals based on verification of personal information, due diligence on the individual and the company (which included Credit Risk Assessment, Financial Analysis, Business Model Analysis, Management Analysis, Sectoral Analysis) and ensuring timely approval of credit.

functioned as Accountant, Field officer and Branch Head.