Headline

Regional Credit Manager -Specializing in Commercial Banking -SME/Msme/Agri with Education qualification of MBA And CAIIB

About

Steering the SME Credit vertical in Karnataka for Equitas Small Finance Bank, my tenure has been marked by the strategic facilitation of credit to small and medium-sized businesses. With a focus on empowering regional economic and Organisational growth. Previously at NKGSB BANK/AXIS BANK/KARUR VYSYA BANK/STATE BANK OF INDIA, my leadership in managing credit and wholesale advances for the SME sector across Goa and Karnataka regions honed my expertise in diverse financial services including Agri/Microfinance and recovery domain

Location

Karnataka

AI stack

gemini

meta

perplexity

ChatGPT

Chroma

Microsoft Copilot

Work experience

Regional Credit Manager SME at Equitas Small Finance Bank, Apr 2022 - Present · 4 yrs 7 mos, Bengaluru, Karnataka, India, - Spearheading MSE credit operations across Karnataka,managing ticket sizes from INR 50 Lacs to INR 25 Cr. - Assess and sanction credit proposals for various industries,ensuring high portfolio quality. - Direct recovery processes for delinquent accounts, including asset possession and auctions. - Collaborate with business teams to align credit strategies with organizational goals

Chief Manager CAD at NKGSB BANK, Jun 2020 - Mar 2022 · 1 yr 10 mos, Panaji, Goa, India, - Managed Wholesale and Retail credit portfolios across Karnataka and Goa, handling ticket sizes up to ₹200 crores, based in Panaji. - Ensured effective monitoring and reduction of Non-Performing Assets (NPA), achieving a steap decrease in NPA levels. - Evaluated and processed credit proposals with strict adherence to risk assessment and compliance protocols, reducing credit default risk . - Executed asset recovery initiatives, successfully recovering assets - Provided strategic insights to Management committees, and Advance committee influencing key credit and risk management decisions. -Led and managed retail and wholesale advances business for Goa as Cluster Head, and Branch administration.

Area Credit Manager Rest of karnataka. at Axis Bank, Mar 2017 - May 2020 · 3 yrs 3 mos, Hubli, - Administered MSME credit proposals across Karnataka with ticket sizes up to INR 20 Cr. - Managed credit-processing centers ot Hubli and Mangalore. -Enhancing coordination and execution among team - Improved portfolio quality by proactively identifying early warning signals

Commercial Banking, Credit Manager and Branch Manager at KARUR VYSYA BANK, Oct 2013 - Dec 2016 · 3 yrs 3 mos, Bangalore, - Expanded branch book size and credit portfolio to over INR 150 Cr, driving significant revenue growth - Approved loans up to INR 50 Lacs while ensuring strict compliance with risk management policies as Branch Manager - Collaborated with credit teams at Credit Processing Centers (CPC) to design and deliver tailored financial solutions for mid and large corporate clients - Managed the Transaction Banking Department, overseeing supply chain management products via anchor customers and Cash Management Services (CMS) facilities to optimize client cash flow and working capital efficiency

Branch Head at ING Vysya Bank, Jul 2011 - Jun 2013 · 2 yrs, Byadgi, Oversaw branch administration and was recognized for excellent NPA recovery and CASA growth. - Achieved targets across advances and liabilities while enhancing branch profitability

Education

CAIIB, Banking, Indian Institute of Banking and Finance

MBA - Master of Business Administration, Finance and Marketing, Gulbarga University