Key Result Areas:- Unsecured & Secured Lending (MSME/ Micro LAP/ Unsecured - Unorganized sector lending).- Directing credit and collection functions to promote consistency and efficiency with focus in unorganized lending segments- Providing timely and relevant analytics based on current performance- Setting up businesses and streamlining credit policy & structure to build a robust process-oriented approach- Identifying and acquiring digital partnerships for credit management- Managing processes through scorecards and rule engine-based underwriting programs for retail partnership businesses- Formulating working models and methodology for identify building and commercializing new business solutionsHighlights:- Managed unsecured lending/ business loan disbursement of ~ Rs.130 Cr month-on-month through branch & FOS model to MSME segment with NPA levels less than 1%- Introduced centralized underwriting structure to enable better controls in sourcing and underwriting- Played a pivotal role in launch of Micro LAP and Hybrid Gold Loan Programs PAN India to MSME segment- Significant role in launch of new LOS/ LMS & in integration of all the required modules- On-boarded and managed entire life cycle of strategic partnerships (multiple sectorial unsecured programs)- Worked on Bureau Logic and scorecards for improved, faster and efficient underwriting processes

• Handling loan against property (LAP) including Corporate LRD, home loans (HL) for South India with an average disbursement of Rs.2250 Mn month on month. • Managing a team of 26 credit managers across South with minimal attrition levels. Travelled extensively across South India and actively engaged with clients and Channel Partners.• Succeeded in supporting “Key Account Management” strategy to service an elite group of customers to achieve profitability in financing by offering commercially viable options towards interest arbitration, working capital gap funding, secured and unsecured exposure.Performance highlights:• Held an extraordinary clean portfolio with 0.5% exposure in 30+ dpd & average bounce rate at 4.5%• Decent mix of corporate/retail exposure to ensure adequate profitability & excellent quality of portfolio.

• Was successful in presenting a portfolio to the tune of Rs.10000 Mn and getting the same sanctioned/ approved. Clients were from different industry segments with TO of over Rs.1000 Mn.• From the business side did end to end testing on Finnone/ operations module and got the same implemented.

Regional Credit Manager – SOUTH (Construction Equipment)Area Credit Manager – AP (Construction Equipment – Nov 07 to Mar 08)• Appraising, evaluating and handling a Portfolio of Rs.400 Mn month on month for AP & Karnataka comprising of both Retail and Corporate clients for Construction Equipment & Commercial Vehicles.• Was instrumental in getting working capital and bank guarantee limits sanctioned for existing Infrastructure clients.• Played a key role in preparing the note, financial analysis and getting proposals rated and approved in the appropriate Forum for any incremental limits/ fund based/ non fund based limits. Strong ability in credit worthiness ratings for corporate and small and medium sector enterprise groups (SME).SALES (2005 – 2007): Manager (Construction Equipment)• Handled independent responsibility of developing and managing the Construction Equipment financing and service line in Hyderabad and Rayalaseema regions.• Developed a business network of 1000 Mn and acquired new customer database to an extent of 40% in terms of volume contribution in a short span of 12 months. • Act as a single point of contact to migrate corporate clients in Construction Equipment to Retail, Treasury and value added business lines.