Retired Bank Manager | Credit, Risk & Lending Advisory
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A seasoned banking professional with over three decades of rich experience across credit appraisal, retail and SME lending, risk management, and operational leadership. Known for strong analytical judgment, people-management skills, and a consistent record of strengthening credit quality and operational efficiency. A customer-focused leader who builds trust through clear communication, integrity, and solution-oriented thinking.
Experienced in evaluating financial documents, coordinating with financial institutions, mentoring teams, streamlining processes, and ensuring high standards of compliance and credit discipline.
Assistant Vice President (Credit Sanctions) - ESAF Bank
(2019-01)
Responsible for end-to-end credit appraisal and sanctioning of retail, MSME, and vehicle finance proposals with a focus on risk assessment, credit-policy adherence, and portfolio-quality enhancement. Review, analyze, and sanction two-wheeler, three-wheeler, and small-business credit proposals within delegated authority limits. Coordinate with branch credit teams to ensure quality sourcing, documentation accuracy, and timely decisioning.
Strengthen credit underwriting standards by applying decades of experience in SME, retail, and microfinance lending. Monitor early-warning indicators and guide branches on NPA containment and recovery strategies. Provide leadership and mentorship to junior credit officers, ensuring consistency and compliance across all sanctioning activities.
Chief Manager (ATM Division) - State Bank of India
(2014-09 - 2018-12)
Chief Manager – Small & Medium Enterprises City Credit Cell (SMECC) - State Bank of India - Chennai
(2013-01 - 2014-12)
Chief Manager – Retail Assets Credit Processing Centre (RCPC) - State Bank of India - Pudukkottai
(2010-01 - 2013-12)
Manager – Retail Banking - State Bank of India
(2007-01 - 2009-12)
Manager – Divisional Banking (Agriculture & SME Advances) - State Bank of India - Erode
(2004-01 - 2007-12)
Branch Manager – Retail Banking - State Bank of India
(2002-01 - 2004-12)
Assistant Manager – Small & Medium Enterprises (Advances) - State Bank of India
(1999-01 - 2002-12)
Project Officer (Computerization of Banks) - State Bank of India - Chennai circle
(1992-01 - 1999-12)
Clerk / Cashier - State Bank of India
(1984-01 - 1992-12)
Certificate Course - Micro Finance - Indian Institute of Banking and Finance (2017-01 - 2017-12)
Certificate Course - SME Advances (2017-01 - 2017-12)
Certificate Course - IT Security (2017-01 - 2017-12)
Certificate Course - KYC and Anti-Money Laundering (2017-01 - 2017-12)
P.G.D.C.A - Post Graduate Diploma in Computer Application - Annamalai University (1996-01 - 1996-12)
CAIIB - Certified Associate of Indian Institute of Bankers - Indian Institute of Bankers
Bachelor of Science - Mathematics - University of Madras (1981-01 - 1981-12)
