Raju Sharma

Experience

• 

  State Bank of India

  Oct 1998 - Sept 2006

  Various Roles (State Bank of India) Oct 1998 – Sept 2006

  Handled various roles in SBI during the period involving Credit, Forex, Agri, SME, General Banking etc. after completion of 2 years of rigorous on the job training in Oct 2000 at various locations.

• 

  SBI (Mauritius) Ltd

  Oct 2006 - Feb 2010

  Senior India Based Officer (Overseas Assignment)

  Got the opportunity to represent the Bank at one of its overseas subsidiaries at Mauritius i.e. SBI (Mauritius) Ltd. It was a single office Bank till October 2008 before its amalgamation with IOIB Ltd., another subsidiary of SBI at Mauritius. It was a multi-tasking job and involved handling multiple roles, i.e., Manager (Money Market, Forex and Investment), Compliance Officer, Incharge of IT functions etc.

• 

  State Bank of India

  Jan 2010 - Dec 2021

  Headed a SME intensive Commercial Branch with Credit and Forex divisions. Leading a team of 20, including 4 Relationship Management Teams and Responsible for expanding the business volumes on asset and forex sides besides cross selling the Group products. Risk review of high value credit proposals of Mid and Top Corporates of the Bank before sanction by analyzing Management, Business, Industry, Regulatory and Financial risks. Experience of risk reviewing more than 300 such proposals. during the period. Worked in Corporate Accounts Group (CAG) vertical of SBI, which caters to the top tiered corporates of the Country handling high value credit proposals. The task mainly involved preparation of credit proposals, appraisal of credit requirement, analysis of balance sheet and financial ratios, credit risk assessment, post sanction follow up besides assisting the Relationship manager in marketing and customer acquisition. Responsible for business growth on asset side and maintenance of asset quality. Preparation of credit proposals and presenting it to the sanctioining committee. Credit risk assessment, appraisal of credit requirement, analysis of balance sheet and financial ratios. Post sanction supervision etc. Branch head of a medium sized branch having business in excess of Rs. 100 crores with currency chest, Govt. business and two full fledged Agri and Per divisions. Acted as Relationship Manager for 25 high value accounts having portfolioo size of approx. Rs. 500 crores.

  • AGM & Commercial Branch Head

    Jul 2021 - Dec 2021

  • AGM & Sector Analyst

    Jun 2018 - Jun 2021

  • Chief Manager and Credit Analyst

    Jun 2014 - Jun 2018

  • Relationship Manager Medium Enterprises

    Jan 2013 - May 2014

  • Branch Manager

    Mar 2011 - Jan 2013

  • Relationship Manager Medium Enterprises

    Jan 2010 - Mar 2011
• 

  National Asset Reconstruction Co Ltd (NARCL)

  Dec 2021 - May 2023

  Team Head in NARCL, Mumbai

  Nominated by the Bank Management to form part of a team of PSU Bankers to establish National Asset Reconstruction Company Ltd. as mandated by GOI for acquisition and resolution of stressed assets of more than Rs.500 cr. Played pivotal role in laying policy framework and organizational structure for NARCL besides assisting NARCL acquiring its first two assets in FY23, i.e., Jaypee Infratech Ltd. and SSA International.

• 

  State Bank of India

  Jun 2023 - now

  DGM & Relationship Manager at State Bank of India