> 40 Years of Commercial Banking experience in State Bank of India, India's Premier Bank.> Held varied & senior positions - both in Commercial/Corporate Banking and Retail Banking in India and in the Foreign Subsidiary of SBI. > General Manager at Chennai LHO - responsibilities included Chairman - Credit Committee II, Member - Credit Committee I, Appointing/Disciplinary authority, Member of Circle Management, HR et al.> In charge of Credit Portfolio of large Corporates as Dy GM in Corporate Accounts Group (CAG), Mumbai.> Senior Vice President (Credit), SBI (Canada), Toronto for 4 years. Role responsibilities included Corporate Credit Management, Retail Loans Foreign Currency Loan, Syndication of Loans, Risk Management, Prudential Norms, Regulatory Compliance et al.> Exposure as Financial Adviser to an Industrial Concern on deputation by the Bank.