Roles & Responsibilities:• Heading Treasury Department of multi-state bank with business mix of Rs. 2100 Crores and 40 branches and maximizing treasury earnings through Gsec trading, Mutual Funds, Corporate Bonds, CDs, Treasury Bills• Presiding risk management committee for managing credit risk, market risk and liquidity risk• Supervising market risk measurement with BPV, duration, VaR, price volatility• Heading Asset Liability Management Committee (ALCO), managing liquidity and strategizing various products with competitive interest rate pricing after factoring risks into capital charge and loss probabilities• Actively involved in computation of cost of funds, RWAs, capital charge, CRAR• Heading committee for roadmap preparation for Basel III implementation• Supervising Priority Sector Lending Certificates (PSLC) trading• Designed Loan Review Mechanism (LRM) & NPA projection system, Loan Originating & Appraisal System, Investment Policy and Customer Relations Policy• Principal Officer for KYC/AML and Chief Compliance officer for regulators like RBI, SEBI, CDSL, FIU• Spearheaded employee appraisal mechanism for 550 employees to improve overall productivityAchievements: • Bestowed with the responsibility of signing & publishing bank annual report in capacity of CFO• Contributed 70% of bank’s net profit from effective investment decisions & treasury operations while managing fund of Rs.750 Crores• Designed LRM & NPA projection system helped bank in reducing overall gross NPAs below 6%• Properly monitored regulatory compliances fetched bank RBI’s FSWM status on continuation basis• Contributed Rs.1.75 crore profit solely from Priority Sector Lending Certificate sales and also raised net profit from treasury earnings by 15-20% YOY basis• New employee appraisal mechanism enhanced employee productivity by 10 percent

Roles & Responsibilities:• Implemented CBS across 40 branches of bank with delivery channels of Internet Banking, ATM, Mobile Banking, IMPS • Designed Tier III data centre and formulated system requirement along with software licences• Standardised processes for procurement of hardware and software and drafted SLAs with vendors• Designed policies for IT, Internet Banking, Information System Security, Cyber Security• Designed software for interbank reconciliation, treasury management, vendor management, MIS• Overlooked implementation of various policies for mitigation of operational riskAchievements:• Treasury management tool and MIS acted as Decision Support System for strategic gains• Rolled out CBS in record time of three months across the bank with effective workflow & process optimization, saving human resource by 30%• Effective & error free Information System Security Policy helped getting RBI permission for internet banking in challenging time line