
Timeline
About me
CHIEF MANAGER, CORPORATE CREDIT at INDIAN BANK, ZONAL OFFICE, HYDERABAD
Education
Ignou
-Diploma managementIgnou
-Pg diploma human resources managementApa university
-Masters; m applied economics; sc agricultureApa university
-B.sc agricultureAmaa high school
1971 - 1977Tenth class
Experience
Various branches
Nov 1985 - Apr 1999As branch manager/manager/assistant managerManaged the Credit Portfolio, Financial Proposals in the Agricultural, Transport, SSI sectors as well as Non Corporate / Non Fund based proposals.Maintained recovery of impaired credit at 80%, even after implementation of the Debt Relief Scheme of the Govt. Overachieved NPA recovery targets by 150%. Also obtained recovery in Written Off Accounts.Escalated business by 300%.Shalantri Branch was adjudged as one of the best branches in the Region by Zonal Office, Hyderabad.
General manager's
Apr 1999 - Jun 2004As manager at general manager headed zone controlling entire north indiaAs Credit relationship Manager at Indian Bank, Zonal Office, Delhi-Spearheaded Credit Management, appraisal & processing of Corporate / Non Corporate Proposals (fund / non fund based) relating to Foreign Trade, Corporate Credit, Domestic Trade, Retail Finance, lending to PSUs, Structured Loans etc.Managed Credit Rating & Credit Risk Management, monitoring of Corporate Debt Restructuring (CDR) accounts; inclusive of identification of special accounts, Moody's Risk Rating Analysis etc.Assisted the branch in marketing of the bank's Credit Products.Key Proposals / Portfolios included:Punj Lloyd - Term Loan/Guarantee Limits of Rs. 350 millionOmaxe Co - Guarantee Limit of Rs. 450 millionPower Finance Corporation of India -Term loan of Rs. 1 billionHind Agro and Hind Industries - Various FB & NFB limits of Rs. 500 million. Show less
Indian bank
Jun 2004 - Jan 2011Overseeing credit assessment, processing of proposals for the Corporate sector, processing high value proposals with perfect SWOT and Risk Analysis.Conducting Credit Rating as per Bank's policies in Proposals/Portfolios and assigning finer rates of interest chargeable as per the rating.Assessing risk profile of the Company / Customer by conducting Credit Risk Rating Analysis; conducting study of Economy, Industry, Portfolio, Peer level comparison of financials, previous trends and impact of Government Policies etc.considering potential, corporate guidelines, external parameters like competition, cost of operations, fund availability etc.Aligning resources in line with the branch targets and performance estimates.Defining budgets / financial parameters within which branch operations must be executed.Operations ManagementAdministering the entire banking operations entailing fund clearance, cash management, accounts etc. to ensure optimal service and efficiency levels.Establishing performance-oriented systems / procedures for execution of Banking operations.Evaluating banking processes & procedures to locate & alleviate possible bottlenecks / frauds.Statutory ComplianceManaging the preparation & submission of Returns & Reports to RBI in line with statutory norms.Ensuring adherence to corporate and regulatory compliances.Building and deploying various methods, standards and guidelines prescribed by Management from time to time.Conducting Compliance / Pre Release / Risk Based Internal Audits Systems in the Branch.Business DevelopmentFraming result-oriented business generation plans & policies for attainment of pre-designated Profitability / Revenue estimates.Concentrating on targeted institutional accounts and individual clients for ameliorating the business turnover levels, in comparison with competitors.Optimising customer service levels through delivery of outstanding services. Show less At Large corporate branch- Hyderabad Main.Oversaw Credit Analysis, Branch Operations, Audit and Compliance functions.Established Onsite / Offsite Audit for important accounts and recommended rectifications / reconciliation measures for decision makers at Branch and Controlling Office levels.Contributed to the Branch reaching a level of Rs. 1000 Crores from Rs. 500 Crores in 2004. Received an Appreciation Certificate from the General Manager for the same.Introduced new concepts in lending to Corporates, Channel Finance, Loan Syndication, Low / Medium Interest Swaps etc. Key Proposals / Portfolios included:Gas Based Power project for GVK Industries - Term loan of Rs. 1 billion.Coal based Power Project for Lanco Amarkantak Power - Term loan of Rs. 500 million;Lanco Mantri Technology Park - Term Loan of Rs. 1 billion.Biomass Power Project for Sainath Power Concepts - Term loan of Rs. 250 millionManufacturing of Plyboard for GVK Novopan Industries - Credit of Rs. 230 millionTheme Park for Ushakiron Movies (Ramoji Film City - the world's largest film studio, as per Guinness Book of Records) - Term loan of Rs. 610 millionCare Hospitals - Term loan of Rs. 240 million, Wockhardt Hospitals - Limits of Rs. 600 million.GVKSA Consortium Mumbai International Airport Project - Term loan of Rs. 2.50 billionIVRCL - Befasa (Spain) Consortium - Chennai Water Desalination Limited - Term loan of Rs. 500 Million. Show less
Credit Management
Nov 1985 - Jan 2011As Senior Manager
Jun 2004 - Dec 2005
Begum bazaar branch
Dec 2005 - Oct 2007Branch headSpearheading branch operations with a team of 16 staff members.Successfully implemented the Core Banking Package of FNS Australia / TCS for initiating the Anywhere Banking concept. Prepared the branch for Basle II compliance by Mar'07.Instrumental augmenting business of the Retail Segment of the branch.
At indian bank
Feb 2011 - Jul 2012Chief manager&branch head of indian bankHeading a 250cr business branch at Chennai, Over all management of a large branch, with 20 staff members.Notable contributions across the tenure with the organization include increasing the corporate credit portfolio, monitoring of big borrowal accounts, Preparation of credit monitoring etc
Indian bank, zonal office, hyderabad
Jul 2012 - nowChief manager, corporate creditAPPRAISAL AND SANCTION OF HIGH VALUE CORPORATE CREDIT PROPOSALS
Licenses & Certifications
Caiib(certified associate of indian institute of bankers)
Indian institute of banking and financeCertificate rural banker
Indian institute of banking and financeCertification in kyc and aml
Indian institute of banking and financeDepository participant module
National stock exchange, india
Languages
- enEnglish
- hiHindi
- teTelugu
- taTamil
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