Headline

Senior Banking Leader | Corporate & Retail Lending | Credit Risk, Structured Finance & Syndication | Institutional Banking | Compliance | 27+ Years of SBI Leadership

About

With over 27 years at State Bank of India, I have built my career across corporate banking, retail lending, credit risk, structured finance, and syndication, progressing from Probationary Officer to Deputy General Manager. My journey has been shaped by leading large and complex portfolios, building strong credit cultures, and delivering sustainable business growth across domestic and international markets, including the Gulf region. Today,presently I lead Real Estate and Retail lending across Bihar and Jharkhand, with a focus on asset quality, disciplined growth, and sharper underwriting outcomes. Over the years, I have had the privilege of managing high-value portfolios across corporates, NBFCs, fintechs, healthcare, manufacturing, public sector enterprises, and real estate. Some of my most meaningful milestones include delivering ₹11,285 crore in credit sanctions, generating ₹1,232 crore operating profit, expanding a major corporate credit portfolio by 51%, growing non-funded exposure by 179%, and structuring USD 1.9 billion in syndicated financing proposals. I have also been recognized for maintaining some of the lowest NPA levels in the network and for securing the first-ever ‘A’ credit audit rating for a branch through stronger governance, risk controls, and monitoring discipline. My core expertise lies in credit underwriting, corporate and retail lending, structured finance, loan syndication, portfolio risk management, credit proposal presentation, AML/compliance, and regulatory governance. I have worked extensively on complex financing structures, institutional partnerships, and credit decisions involving large corporates and Fortune 500 companies . My academic and professional foundation is supported by a PGDM (MBA) Finance, B.Sc. in Mathematics, PGDCA, the Leadership Programme at ISB Hyderabad, and certifications including CAIIB, CAMS (ACAMS), and Moody’s CICC.

Location

Bengaluru

Work experience

Deputy General Manager – Real Estate / Retail at State Bank of India, Aug 2024 - Present · 2 yrs, Patna, Bihar, India, • Direct retail and real estate lending across Bihar and Jharkhand, covering housing, LAP, personal, education, and auto loan portfolios. • Drive regional credit expansion through focused real estate and retail disbursement strategies, strengthening market penetration and business visibility. • Maintain strong asset quality across real estate and retail portfolios through disciplined portfolio monitoring, risk control, and governance. • Streamline underwriting and due diligence processes, improving credit approval turnaround while reinforcing compliance standards and robust risk management.

Deputy General Manager at State Bank of India, Jun 2022 - Oct 2024 · 2 yrs 5 mos, Bengaluru, • Led corporate credit portfolio across NBFCs, manufacturing, healthcare, fintech, digital lending platforms, and public sector enterprise relationships. • Delivered landmark credit sanctions and strong operating profitability through disciplined portfolio strategy, structured lending, and proactive client engagement. • Strengthened governance, risk controls, and credit monitoring frameworks, securing the branch’s first top-tier credit audit rating achievement. • Built relationships with leading real estate developers and corporates, onboarding high-value clients and presenting complex credit proposals successfully.

Deputy General Manager at State Bank of India, Feb 2019 - Jun 2022 · 3 yrs 5 mos, Ahmedabad, • Expanded corporate credit portfolio through strategic client acquisition, structured lending solutions, and sector-focused relationship management initiatives. • Strengthened non-funded advances by deepening corporate relationships and enhancing exposure across diverse financing and transactional banking opportunities. • Conducted financial due diligence for Fortune 500 firms and major conglomerates, enabling informed and risk-adjusted credit decisions. • Resolved complex financing structures while sustaining strong client retention through responsive relationship management, compliance discipline, and execution excellence.

Education

Master of Business Administration - MBA, Finance, All India Management Association (AIMA)

Certificate, TBML, KYC and Sanctions, Thomson Reuters