Bio
Credentials
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Certified Associate of Indian Institute of Bankers (CAIIB)
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Experience
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Jana Small Finance Bank
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Bangalore
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Zonal Credit Manager - MSE
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Oct 2019 - Present
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Bangalore
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Avanse Financial Services Ltd.
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Bangalore
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Zonal Credit Manager - SME (South & West)
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Aug 2018 - Sep 2019
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Bangalore
Set up the Credit team & Commenced SME business in both Secured & Unsecured exposures (LAP & BL) across South & West India comprising Key MSME / SMB segments with aggregate portfolio of INR 450cr
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India
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Banking
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700 & Above Employee
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Vice President & Sr Regional Credit Risk Manager - SME Group
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Apr 2015 - Aug 2018
Responsible to grow/monitor SME/SMB/Emerging Corporate Portfolio of South Region with thrust on Priority Sector Lending across wide Industrial spectrum with aggregate portfolio of INR 4200cr
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Regional Credit Manager - Business Banking
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Sep 2010 - Apr 2016
Handled Credit Risk in erstwhile ING Vysya Bank in South Region for Commercial Business Banking / MSME group / Educational Institutions and various other Retail Lending Products viz., Mortgage Loans/LAP, Agri loans, Gold Loans, Micro Finance, Cross exposures for SMEs in CV/CE segment.
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HDFC BANK LTD
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Ahmedabad
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Area Credit Manager, Business Banking, Gujarat
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Jun 2007 - Aug 2010
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Ahmedabad
Demonstrated significant growth in portfolio & credit quality in BB-SME portfolio with asset portfolio of INR 2000cr as Area Credit Head across Industrial, Services & Infrastructure sectors in Gujarat, UT of Daman & Silvassa.
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Asst General Manager, South & West
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1996 - 2007
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Mumbai
* Handled the entire gamut of Business & Credit spectrum for SMEs comprising Business Development, Credit Underwriting, Credit Administration, Credit Monitoring, Recovery of Special Assets in various industrial clusters across Western & Southern Regions* Gained expertise in Collateral free loans to SMEs, Credit Guarantee Fund, Micro Credit, Venture Capital & Equity Support etc* Part of core team in design and development of credit processes for region specific Central Loan Processing Model for Western Zone in 2004. Post test run, launched the same at Bank level in 2005
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Education
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2003 - 2005XLRI Jamshedpur
PGCBM, Business Management -
1988 - 1990University of Mumbai
VJTI, Master of Engineering (M.Eng.), Industrial Engineering -
1984 - 1988Univ College of Engg, Sri Venkateshwara Univ, Tirupathi
Bachelor of Technology (B.Tech.), Mechanical Engineering
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Industry Focus. “Banking”
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