Pankaj Varma

Pankaj Varma

Credit Appraisal Officer

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location of Pankaj VarmaPanchkula, India

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  • Timeline

  • Skills

    Writing skills
    Banking
    Retail banking
    Commercial banking
    Credit
    Computer skills
    Training
    Risk management
    Core banking
    Trade finance
    Credit risk
    Branch banking
    Loans
    Credit analysis
    Portfolio management
    Project finance
    Finance
    Corporate finance
    Team management
    Management
    Investment banking
    Mis
    Financial risk
    Relationship management
    Cash management
    Cross selling
    Foreign exchange
    Syndications
    Team building
    Operational risk
    Operational risk management
    Derivatives
    Credit cards
    Basel ii
    Financial analysis
    Internal audit
    Management consulting
    Fx options
    Internet banking
    Branch management
    Capital markets
    Kyc
    Marketing
    Treasury
    Structured finance
    Financial structuring
    Financial modeling
    Trading
    Managerial finance
    Working capital management
  • About me

    First time novelist with over 30 five star reviews on his first novel. Experienced State Bank of India senior officer with over 38 years of experience including 24 years in corporate/retail credit and 11 years in training in various positions. Specialties: Writing a Science Fiction Romance

  • Education

    • ISB Hyderabad

      2012 - 2012
      3day course Strategic Talent Management
    • XLRI Jamshedpur

      1996 - 1996
      1 week programme Strategy Management
    • Indian Institute of Management, Lucknow

      2002 - 2002
      2 week programme Management for Senior Bankers
    • Panjab University

      1970 - 1974
      MSc Hons School Physics

      Activities and Societies: I was a national Science Talent Search Scholar.

  • Experience

    • State Bank of India

      Aug 1976 - Jan 1984
      Credit Appraisal Officer

      I was looking after a credit porfolio which was larger than some decent size banks' total credit portfolios.

    • Staff Training Centre, State Bank of India

      Jan 1990 - Jan 1992
      Instructor

      Coordinating and Delivery of Training in Credit, Computers, Marketing, and General Banking to Branch Managers, Junior Officers and Staff.

    • State Bank Academy

      Jan 1994 - Jan 1999
      Faculty

      A member of Faculty imparting training in Credit, IT, Marketing, Behavior Science etc. to middle and senior level managers of State Bank Group. The job involved coordination and conduct of various training programmes, design and delivery of training, preparation of training materials including handbooks, handouts, powerpoint presentations, quiz, entry/exit tests, evaluation of training etc

    • State Bank of India

      Apr 1999 - Apr 2000
      AGM Credit Policy & Procedures

      I was looking after the Bank's policcies and procedures in retail as well as commercial credit in Bank's Chandigarh Circle

    • State Bank of India

      Feb 2003 - Jan 2005
      Deputy General Manager, Zonal Office Varanasi

      An operational assignment controlling 166 branches with a total business of Rs.10,000 crores and a total staff compliment of over 6000 staff. The Zonal Office showed outstanding growth in business due to my marketing strategies.

    • State Bank Academy

      Oct 2006 - Mar 2013

      I was looking after all the training and administrative functions at SBIICM, an ISO 9000:2000 institute. This institute provides IT and computer related training (core banking and other software in use in the State Bank Group), training over 6000 senior/middle level and junior officers every year. The job involved training need assessment, designing training programmes (offering 25 different programmes on different subjects), development of faculty, and monitor deliver of training. In addition I was coordinating the IT related training at our 44 satellite centres spread over the country. Show less

      • Deputy General Manager

        May 2012 - Mar 2013
      • DGM

        Aug 1974 - Mar 2013
      • Deputy General Manager

        Jan 2009 - Jan 2012
      • Joint Director (Training), State Bank Institute for Information & Communication Management (SBIICM)

        Jul 2007 - Jun 2009
      • Business Head (Personal Banking)

        Oct 2006 - Jul 2007
    • Freelance

      Apr 2013 - now
      Published Author and Novelist

      My first novel, Silver Haze, has been published in May 2014 on Kindle, CreateSpace and Pothi and has got rave reviews. I am working on my second novel.

  • Licenses & Certifications

    • Certified Associate of the Indian Institute of Bankers (CAIIB)

      Indian Institute of Bankers
      Jan 1979