Circle Head – Asset Desk (Senior Manager) at City Union Bank Ltd. (2025-03 – Present)
- Lead a team of 27 Relationship Managers driving MSME and LAP business growth.
- Manage a portfolio of approximately 350 Cr with focus on growth and asset quality.
- Oversee end-to-end credit lifecycle from sourcing to disbursement.
- Improve pipeline tracking and conversion efficiency across business channels.
- Provide portfolio risk oversight and strategic credit guidance.
Digital Lending Transformation – MSME & Retail at City Union Bank Ltd. (2023-06 – 2025-03)
- Built end-to-end MSME and LAP digital lending journeys from scratch.
- Led BRD creation aligning credit policies with digital workflows.
- Designed STP processes reducing turnaround time and operational inefficiencies.
- Worked closely with Newgen and BCG on workflow automation initiatives.
- Integrated bureau, GST, and banking data into underwriting systems.
- Enabled digital onboarding, e-KYC, and document management systems.
- Developed credit scorecards and portfolio risk filters.
- Streamlined lead-to-disbursement customer journeys.
- Set up MIS dashboards for business tracking and operational controls.
- Drove PAN India adoption of digital lending platforms.
- Embedded credit and risk controls within digital workflows.
- Improved scalability while reducing operational costs.
- Reduced loan processing turnaround time significantly.
- Improved conversion efficiency and customer experience.
- Enhanced portfolio quality through standardized underwriting.
- Created scalable digital platforms supporting MSME and retail growth.
Manager – Business Development Centre Chennai at City Union Bank Ltd. (2019-06 – 2023-05)
- Led PAN India credit sourcing operations and campaign execution.
- Managed strategic partnership initiatives with SBI Cards.
- Drove joint programs and campaigns to accelerate business growth.
- Coordinated with branches nationwide for business development initiatives.
- Developed merchant banking products aligned with industry standards.
- Collaborated with Worldline and Atos on merchant and payment solutions.
- Managed merchant onboarding, product rollout, and positioning strategies.
- Strengthened lead generation and sourcing efficiencies.
Branch Manager / MSME Credit Roles at City Union Bank Ltd. (2014-05 – 2019-05)
- Managed branch P&L including advances, liabilities, and operations.
- Handled MSME credit appraisal and underwriting processes.
- Monitored portfolio performance and asset quality.
Scale I Officer / Junior Officer at City Union Bank Ltd. (2010-09 – 2014-04)
- Managed branch operations, customer service, and credit support.
- Assisted in loan processing and documentation activities.
