Experience

Central Bank of India

• India
• Banking
• 700 & Above Employee

• Regional Manager

  • Jul 2021 - Present

  New Delhi, Delhi, India

• Assistant General Manager

  • Jun 2019 - Present

  Leadership, Business Development, Strategy & Financial Planning

• Chief Manager, Head of Centralized Credit Processing & Risk Management centre

  • Apr 2016 - Present

  Mumbai Area, India Responsible for sanctioning and processing of Mortgage based Retail Loans canvassed by various branches Conducting due diligence for evaluating the repayment capacity, credibility and net worth of the borrower before sanctioning any Loan Responsible for overseeing the disbursments of housing loans of the zone to the tune of 250 crores every month Review cum Enhancement of Running Accounts (Overdraft) fall for renewal yearly Mobilisation of tie up proposals with the builders/… Show more Responsible for sanctioning and processing of Mortgage based Retail Loans canvassed by various branches Conducting due diligence for evaluating the repayment capacity, credibility and net worth of the borrower before sanctioning any Loan Responsible for overseeing the disbursments of housing loans of the zone to the tune of 250 crores every month Review cum Enhancement of Running Accounts (Overdraft) fall for renewal yearly Mobilisation of tie up proposals with the builders/ developers for housing loans Leading and guiding a team working on Credit Risk management in development and validation of credit risk models, estimation of IRB risk components for corporate and retail exposures (PD, LGD and EAD) and capital calculation Guiding the centralized team of Risk management working on operationalization of risk management and in development of credit and operational risk models, BASEL III liquidity ratios, stress testing, RAROC and risk appetite framework Assisting a team of Risk management in developing a framework of regulatory (Basel) requirements around RCSAs and KRI using OR modeling As an incharge of Credit Risk, manages a team working on implementation of advanced approach and provides regular updates to the steering committee on critical issues and future action plans Reviewing and assisting higher management in framing policies, procedures and associated documents for credit and operational risk management framework

• Senior Manager - Strategic planning & development

  • Jul 2011 - Mar 2016

  New Delhi Area, India Directing all administration and operational aspects including lending, product sales, customer service, security and safety in accordance with the bank’s objectives Prepared strategic plan of events to be executed across regions and zones to boost retail assets & liabilities Engaged in business development and pre-sales activities by identifying new customers & institutions to garner new business and articulate a roadmap for staff members for its smooth implementation Prepared… Show more Directing all administration and operational aspects including lending, product sales, customer service, security and safety in accordance with the bank’s objectives Prepared strategic plan of events to be executed across regions and zones to boost retail assets & liabilities Engaged in business development and pre-sales activities by identifying new customers & institutions to garner new business and articulate a roadmap for staff members for its smooth implementation Prepared extensive market research on potential customers and presented detailed project charter for complete end to end engagement with chosen customers Explored opportunities for new business acquisition and acquiring key personnel customers for business expansion by way of developing customize product which suits to their financial needs at minimal cost. Undertaken many tie up with the builders of Delhi/NCR for promoting Housing Loans

• Management Trainee - Credit

  • Jun 2009 - Jun 2011

  New Delhi Area, India Responsible for in-depth financial analysis in proposal evaluation (both fund based and non-fund based limits) and handled a dedicated portfolio of 40+ corporate clients mainly mid and large corporate customers of the bank Evaluation and scrutiny of operational/financial statements of the borrowers to assess their financial requirement Acting as an interface between origination and credit for customers in diverse industries coming for availing facilities like overdraft, term loan… Show more Responsible for in-depth financial analysis in proposal evaluation (both fund based and non-fund based limits) and handled a dedicated portfolio of 40+ corporate clients mainly mid and large corporate customers of the bank Evaluation and scrutiny of operational/financial statements of the borrowers to assess their financial requirement Acting as an interface between origination and credit for customers in diverse industries coming for availing facilities like overdraft, term loan, settlement and trading limits as per the customer convenience without deviating bank norms Preparation of Internal Credit Rating of the borrower to anticipatethe risk, standings & credibility of the borrower To ascertain diversion of funds from short term sources to long term use by keeping a watch on operations in the account Follow up of physical and financial status of the project under implementation financed by the bank