Rohit Dahre

Results-driven banking professional with experience in credit appraisal, branch P&L management, audit compliance, and recovery operations. Proven ability to drive portfolio growth, strengthen risk management practices, and enhance operational efficiency while delivering exceptional customer service and regulatory compliance. Credit and risk professional with over 10 years in commercial banking, specializing in credit appraisal, underwriting, and portfolio risk management across MSME, retail, and agriculture lending.

Demonstrated expertise across end-to-end banking operations, including MSME and retail credit underwriting, KYC and customer due diligence under PMLA, and NPA recovery with SMA monitoring. Hands-on expertise in financial statement and ratio analysis, working-capital and term-loan assessment, and structuring facilities to borrower cash flows, risk profile, and security in line with credit policy, RBI norms, and defined turnaround times. Committee-level credit decisioning as a Credit Approval Committee member with delegated sanctioning authority up to INR 200 crore, complemented by credit-review oversight of proposals from 95 branches.

Proven record in NPA management and recovery through One-Time Settlement, restructuring, and SMA/IRAC monitoring, sustaining asset quality while supporting advances growth. Strong background in financial analysis, risk management, regulatory adherence, and relationship management, with a consistent record of delivering business objectives and earning performance-based recognition. Combined credit judgment with branch P&L management for business portfolios exceeding INR 215 crore, ensuring regulatory and audit compliance, operational governance, and leadership across branch and regional banking operations.

Innovative manager skilled at building and maintaining business relationships with high-net-worth and corporate clients while sustaining high service-quality standards.

Branch Manager, Tattihalli Branch at Canara Bank (earlier known as Syndicate Bank) (2023-07 – 2024-06)

• Approved credit proposals within delegated authority across Retail, Agriculture, and MSME segments while expanding the deposit portfolio by INR 50 crore through institutional client acquisition (trusts and co-operative societies) and growing the advances portfolio by INR 1.5 crore through targeted business development initiatives.
• Structured and recommended working-capital, agriculture, and MSME credit facilities within delegated authority, balancing advances growth with asset quality and priority-sector compliance.
• Strengthened portfolio quality by reducing NPA stock by 25% through One-Time Settlement (OTS) negotiations, Lok Adalat referrals, and proactive SMA-0 and SMA-1 account monitoring in line with RBI IRAC guidelines.
• Led the PM Viksit Bharat Campaign, promoting government insurance, housing, and financial inclusion schemes across the service area, and earned recognition from the Regional Office.
• Managed concurrent and internal audit cycles with zero major observations while overseeing end-to-end branch operations, EOD reconciliation, cash management, and regulatory compliance.
• Administered the full scope of branch banking operations from inception through profitability management.
• Set branch plans, budgets, and performance measures, allocating resources and making mid-course corrections against targets.

Section Head, Regional Office, Thane at Canara Bank (earlier known as Syndicate Bank) (2022-04 – 2023-06)

• Served as a member of the Credit Approval Committee (CAC) with delegated authority to sanction credit proposals up to INR 200 crore, while participating in the Credit Review Committee to evaluate proposals submitted by 95 branches across the region.
• Reviewed credit proposals referred under the Credit Review Committee, validating financial appraisal, risk grading, security, and adherence to credit policy and RBI exposure norms prior to sanction.
• Oversaw operations reporting and management information systems for 95 branches across the Thane region with 95% accuracy on monthly and quarterly regulatory returns; conducted quarterly branch review meetings and facilitated bulk deposit approvals.
• Managed grievance redressal across CPGRS, CPGRAMS, and Banking Ombudsman channels under the Integrated Ombudsman Scheme 2021, maintaining zero pending Banking Ombudsman complaints at year-end.
• Coordinated internal control and audit-readiness initiatives across the regional network through pre-audit self-assessment reviews.
• Analyzed business needs and strategic direction to identify initiatives supporting regional business goals.

Branch Manager, CBD Belapur Branch at Canara Bank (earlier known as Syndicate Bank) (2020-04 – 2022-04)

• Led a 12-member branch team managing an INR 215 crore business portfolio across Retail, MSME, and Corporate Banking; approved credit proposals within delegated authority and generated over INR 10 crore in new business across deposits, advances, and fee-based income.
• Conducted post-sanction credit monitoring through drawing-power computation, stock-statement scrutiny, and SMA-0/SMA-1 tracking for early identification of stress accounts.
• Strengthened credit-risk governance through early-warning-signal tracking, periodic account reviews, and timely corrective action on incipient stress accounts.
• Improved portfolio quality by reducing NPA stock by 14%, from INR 7 crore to INR 6.02 crore, through OTS negotiations and restructuring under the COVID-19 regulatory framework.
• Directed the customer-side migration of 10,000+ accounts during the Syndicate Bank-Canara Bank amalgamation, managing CIF remapping, account number conversion, and standing instruction revalidation with zero balance mismatches.
• Cleared concurrent, internal, and statutory audits without major observations while expanding the customer base by 5% (500+ new customers) and maintaining an 85% retention rate.
• Collaborated with cross-functional departments to resolve regulatory complaints within defined Turnaround Times (TAT), coordinating timely closure across teams.
• Conducted in-depth Root Cause Analysis (RCA) of complaints, presenting actionable recommendations for process enhancement and risk mitigation to senior management.
• Communicated and collaborated with external and internal customers to analyze information needs and functional requirements and deliver artefacts as needed; supervised customer service operations for rendering and achieving quality services; provided first-line customer support by answering queries and resolving their issues.
• Governed banking operations related to determining financial objectives and preparing and implementing systems, policies, and procedures for streamlining operations; devising customer-centric banking operations, forwarding customer instructions to the concerned department, and ensuring customer satisfaction.

Branch Manager, CBD Belapur Branch at Canara Bank (earlier known as Syndicate Bank) (2018-06 – 2020-03)

• Led a 6-member branch team managing an INR 80 crore business portfolio, achieving 100% of annual business targets; organized a credit camp at Reliance Jio Park (Ghansoli), processing 150+ loan applications and generating INR 25 crore in new business.
• Onboarded NHAI corporate banking and APMC institutional deposits, collaborated with CIDCO on affordable housing loan referrals, led a one-day gold loan campaign sanctioning INR 2 crore, and conducted a property fair generating INR 10 crore in home loans.
• Expanded the branch's client portfolio by mobilizing 20+ new business accounts, increasing the customer base by 30% with a 95% loan approval accuracy rate.
• Earned branch recognition as a Target Achiever in MSME, Home Loan, and Total Business categories for FY 2019-20.

Assistant Manager, Ichalkaranji Branch at Canara Bank (earlier known as Syndicate Bank) (2014-05 – 2018-05)

• Appraised over 200 credit proposals valued at INR 6 crore, achieving a 92% approval rate through detailed financial statement analysis and adherence to banking guidelines.
• Evaluated working capital, machinery, and term loan proposals for power-loom MSMEs in the Ichalkaranji textile cluster and auto-ancillary and foundry MSMEs across the Kolhapur industrial belt.
• Assessed creditworthiness and repayment capacity through ratio analysis, cash-flow evaluation, and debt-service-coverage assessment, verifying collateral adequacy prior to recommending sanction terms.
• Drove rural financial inclusion under the Pradhan Mantri Jan Dhan Yojana (PMJDY) by opening zero-balance BSBDA accounts, implementing AEPS biometric authentication, and conducting Swachh Bharat and financial literacy camps.
• Generated approximately INR 0.1 crore in fee-based income by cross-selling six products (bancassurance, mutual funds, credit cards, NPS, gold loans) while managing customer escalations.
• Earned recognition as a consistent Outstanding Performer in APAR (Annual Performance Appraisal Report) for four consecutive years (2015-2018).

Analyst, Knowledge Process Outsourcing (KPO) at Syntel Ltd (now Atos Syntel) (2013-12 – 2014-04)

MBA in Financial Services – School of Economics, Devi Ahilya Vishwavidyalaya (2011)

B.Sc. in Microbiology – Government College of Science (2007)