Mathew PK

Experience

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  State Bank of India

  Aug 1984 - Jul 2007

  Chief Manager (Regional Credit Head at H.O.)

  Aug 1984 to July 2007 (23 years)State Bank of India (India)Chief Manager (Regional Head of Credit) Managed various Positions from Assistant Manager through Chief Manager in the Bank over a span of 23 years; working in Branches and Head Office. Management of the entire Credit Portfolio of the Region that includes Retail, Corporate, SMEs, SIBs and Agriculture finances. Management of Approvals of Loans and Advances within delegated authority and for others, due processes for Credit Committee/Board approvals. Development of the Credit Risk Policies and Processes and rendering specific guidelines to Operating Units at front-office and back-office cross functional departments. Control and Monitoring of Loans and Advances Portfolio of the Region including NPA management strategies and Provisioning requirements. Regulatory (Central Bank) Reporting for High Value Credits. Management of Strategic Planning and Annual Budgeting exercise for over 100 branches in the zone. Coordinated Internal and External Audits of various high value business branches. Monitored the implementation of technological upgrade of branches and back offices. Managed/carried out Inquiries on Fraud cases on account of Credit and Operations and managed the high-end reporting thereof. Managed complete branch banking functions of large branches at different centers/locations. Faculty at Bank’s Staff Training College: As a Faculty member for nearly three years, managed various training programs for employees and officials of different levels. Compiled Manuals and Booklets on Policies and Procedures. Managed and coordinated onsite training programs. Conducted training programs for other bank staff as well. Show less

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  National Bank of Kuwait

  Jul 2007 - Dec 2007

  Senior Manager

  Aug 2007 to Dec 2007 (5 months)National Bank of Kuwait (NBK) KuwaitSenior Manager (Operations) Report to Group GM for International Banking. Developed Policies and Procedures for the Overseas branches.

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  Alinma Bank | مصرف الإنماء

  Feb 2008 - Aug 2020

  AGM, Retail Credit Risk

  Feb 2008 to August 2020 (12 ½ years)Alinma Bank, Riyadh, Saudi ArabiaAGM, Retail Credit Risk Associated with this Islamic Bank since inception right through pre-launching to commercial launching as a founding team member in the Retail Banking and as AGM & Head of Retail Credit, successfully managed the Retail Credit Risk for 12 ½ years. Established the Retail Credit Risk department including Setting up of the Credit/Financing Models for all Retail financing products and implemented the Credit Scoring models as well. Developed the Retail Credit Risk Policies and Procedures encompassing all Retail financing products, such as, Home finance, Personal finance, Auto finance, Education finance and Credit/Charge Cards. Secured all required Board approvals and the Regulatory (SAMA) approvals as well. Managed the Pricing for all Retail Assets products including Risk based Pricing. Managed the Annual Planning & Budgeting exercise for Retail Assets division. Managed the comprehensive system requirements for implementing fully automated system for credit processes. Associated with development of various retail assets products; all Sharia’ compliant financing products. Management of Kafalah SME financing including development of the MSME Credit Policies and Procedures. Management of overall Retail Credit functions mainly relating to Credit Initiation, Credit Re-evaluation and Credit Exceptions. NPA management of all Retail Financing Portfolio including Workouts and IFRS-9 ECL Provisioning related aspects. Internal and External Audits management. SAMA Regulatory Inspection and Audit management. SAMA Regulatory Reporting of Retail Credit Portfolio management. Management of SIMAH Credit Bureau Reporting and SIMAH Audits. Management of Rating Agency related Reporting of Retail Credit Portfolio. Developed the MIS Reporting Policies and Requirements for Retail Credit Risk and successfully managed Portfolio analytics, Reporting and Presentations. Show less