Experience

• 

  Ramco systems

  May 2008 - Jul 2008

  Senior product executive

  On Training - ERP implementation

• 

  Syndicate bank

  Aug 2008 - Oct 2008

  Probationary officer

  On Job Training - Probationary Officer

• 

  State bank of india

  Nov 2008 - now

  Posted as Deputy branch head of Thiruvananthapuram City Branch with an overall book size of INR 23.57 billion (USD 284 million)• Achieving Branch budget in Liability & Asset Products, Profit margin• Driving a 36 member team in achieving business targets• Executing marketing and sales strategies for the bank’s retail and commercial products.• Managing branch administration, overseeing day-to-day operations.• Providing exceptional customer service and retail banking solutions. Show less Posted as Team leader managing a 15 member team focussing on Micro and Small enterprise lending for Thiruvananthapuram region comprising of 75 branches. During my tenure a total of 2259 loan accounts amounting to INR 1.06 billion (USD 12.77 million) was sanctioned.• Providing end to end credit needs of Micro & Small enterprises with a ticket size less than INR 5 million.• Responsible for driving the AMT for sourcing of new proposals and achieving business targets.• Accord sanction of all proposals falling within the financial powers.• Ensuring that all proposals are processed at the SME Centre in line with the risk management policies of the bank and other norms/ standards set forth by the bank from time to time• Ensuring that no onerous terms and conditions are imposed while granting sanction.• Supervision of all Pre Sanction Credit Processes.• Putting up recommendations to the Head of SME centre for transferring of sick/weak accounts to SARB where the branch level review indicates that the problems of the unit are not temporary and that a detailed viability study followed by rehabilitation/restructuring of the unit or hard recovery are warranted.• Pro-actively liaising with the customers, branches, and MPST to obtain any clarifications / additional information for proposals under process. • Scrutinize performance statistics of the credit sanction section on a daily basis. Diagnose issues and take corrective steps if benchmarks are not achieved. Ensuring performance tracking reports are put up to AGM (SME Centre) at the stipulated periodicity.• Monitoring KPIs, ensuring adherence to defined benchmarks, resolving any issues and reporting performance to the AGM (SME Centre) at stipulated intervals.• Monitoring performance and quality of services rendered by service providers (e.g., empanelled lawyers, valuers) to ensure overall adherence to TATs and quality at SME Centre. Show less Was part of the team which drove digital transformation initiatives to optimize zero-cost funds and Cash Management product offerings for the entire Kerala circle.• Accelerated the adoption of internet banking among the customer base by promoting its benefits and streamlining the onboarding process.• Actively participated in the marketing efforts for prepaid card solutions, including foreign travel cards and RFID cards, to expand the bank's digital product offerings.• Identified, sourced, and onboarded corporate customers onto digital banking platforms such as SBI ePay, SBCollect, and SBI E-Payments, ensuring seamless integration and user experience.• Designing and implementing tailored digital solutions to address the unique needs of diverse customer segments, further driving digital transformation within the organization• Developing an analytical acumen based on data to make informed decisions with regards to meeting the deposit goals of the banks and providing solutions to our customers.• Deep understanding of cash management, payment and collection solutions, ensuring seamless and secure transactions for corporate clients and institutional customers. Show less Posted as branch head of Mahad branch in Raigad district with an overall book size of INR 4.41 billion (USD 53.1 million)• Achieving Branch budget in Liability & Asset Products, Profit margin• Driving a 20 member team in achieving business targets• In charge of sanction of Retail, Agri & SME loans• Executing marketing and sales strategies for the bank’s retail and commercial products.• Managing branch administration, overseeing day-to-day operations.• Providing exceptional customer service and retail banking solutions.• Monitoring and ensuring loan repayments to avoid delinquencies. Show less Posted as Relationship Manager for Small & Medium Enterprises• Providing end to end credit needs of Medium enterprises with a ticket size above INR 50 million• Responsible for sourcing of new proposals and achieving business targets• Analyzing financials of the SME units • Appraising, recommending and presenting the credit proposals to the approving committee.• Post sanction activities including Documentation and Disbursal.• Undertaking annual review/renewal of existing accounts• Undertaking annual internal credit rating exercise for all accounts• Ensuring upkeep of all accounts for yearly Internal Credit Audit and Statutory Audit Show less Was part of credit control team for branches in state of Goa, and Ratnagiri ,Sindhudurg districts of Maharashtra region comprising of 140+ branches focussing on:• Monitoring of Special Mentioned accounts • Reporting of SMA 2 accounts above an exposure of Rs. 5 crore to RBI. Developing Corrective Action Plan for those accounts (CAP)• Restructuring/Rehabilitation of stressed accounts• Resolution of non performing assets in SME, P as well as Agri segment• Scrutiny of loan proposals which are to be sanctioned by Zonal level Credit Committee• Scrutiny of control reports submitted by committees below Zonal level• Monitoring of Credit risk at branches under our control Show less Posted as Field Officer at Shriwardhan Branch, Raigad, Maharashtra and was involved in :• Sourcing of various loans like Housing, Personal, Auto, Education, Agri, SME loans etc…• Involved in credit analysis of P segment as well as SME loans• Responsible for sourcing of loan accounts, appraisal, documentation and disbursal• Maintenance of new as well as existing loans• Following up & Soft recovery measures of SMA & NPA accounts• Generation and submission of CIS Report and compliance of irregularities in Audit• Liasioning with service units like Loan Processing cell • Financing to SHG's and other weaker section• Cross selling Show less

  • Deputy Branch Manager

    Jul 2023 - now

  • Team Leader AMT SME

    May 2020 - Jun 2023

  • Manager e-Commerce

    May 2019 - Apr 2020

  • Branch Manager

    Feb 2017 - Apr 2019

  • Relationship Manager - SME

    Oct 2016 - Jan 2017

  • Deputy Manager (Credit & NPA)

    Jan 2014 - Sept 2016

  • Assistant Manager (Advances)

    Nov 2010 - Dec 2013

  • Probationary Officer

    Nov 2008 - Oct 2010