Work Experience

SL. No.	From Date	To Date	Employment		Practice		Area of Work
			Name & Address of Employer	Designation	Advocate / CA / CS / CMA	Name of Firm & Firm Registration Number, if applicable
1	05/06/2015	05/02/2020	SIDBI (i) Ernakulam Branch (ii) Hyderabad Branch (iii) Specialised Asset recovery Branch Hyderabad	Deputy General Managerr			Branch Manager (a) Ernakulam Branch (b) Hyderabad Branch and (c) Specialised Asset Recovery Branch - Hyderabad Region As Branch Manager of (i) Ernakulam Branch catering to entire Kerala State and (ii) Hyderabad Branch catering to Hyderabad and its industrial suburbs , I was responsible for managing the entire operations of the branch with the team given . It involved decision making and I performed multiple roles with seamless integration to ensure optimum utilisation of Limited manpower and resources , achieve given performance targets through delegation of work , disseminating information of banks schemes to all stakeholders and liasoning with them, containing delinquency levels by sensitising assisted units and by regular follow up and monitoring , constant reviewing / monitoring performance of subordinates and motivating them for improved performance . I was chairperson of the Branch Loan Sanctioning Committee which involved conducting of regular Credit meetings in a smooth manner , taking the members along in all decisions by addressing the valid concerns of members on proposals , I was a member in the Loan Sanctioning Committee at regional Level and contributed by giving valid inputs for decision making . I represented the Bank in all state level meetings held by Reserve Bank of India, State Level Bankers Committee and State Governements. As Branch Manager of Specialised Asset Recovery Branch in Hyderabad Region , I was responsible for managing the delinquent portfolio of the entire Hyderabad Region covering states of Telangana , Andhra Pradesh , Karnataka , Chhatisgarh , Orissa . My team was successful in resolving many NPA cases by meeting up with the borrowers , sensitising them of the implications of remaining in NPA category . Wherever , that strategy did not work , we kept the legal pressure to the maximum by regular coordination with advocate which also helped in generation of one time settlement proposals and optimum recovery through negotation. We were successful in protecting and preserving the Banks secured assets. It involved focused follow up by our team with legal and recovery interventions including takeover of assets under SARFAESI and putting them to auction to recover banks dues. I was the authorised officer under SARFAESI and I performed multiple roles with smooth integration to ensure optimum utilisation of Limited resources , achieve recovery targets through delegation of work , monitoring performance of subordinates and keeping up their morale for improved performance .
2	22/05/2006	04/06/2015	SIDBI (i) Chennai Branch (ii) Mangalore Branch (iii) Indore Regional Office	Assistant General Manager			Head - Loan Processing cell (a) Chennai (b) Indore Region (ii) Branch Manager , Mangalore Branch As Head of Central Loan processing Cell at Chennai and Indore , my team was responsible for Processing the loan proposals after ensuring compliance requirements of the bank . The work ranged from appraisal to rating , ensuring viability criteria ,presentation to the committee , preparation of minutes , keeping tab of performance of assisted units through annual review as part of continuous learning . The same had to be done by keeping the turnaround time to the minimum. The team was facilitating business at the branch level and regular dialogue / follow up by team was required for seamless processing. Team members were required to be supported and motivated. As Branch Manager at Mangalore , I was responsible for managing the entire operations of the branch with the team given . It involved decision making and I performed multiple roles with seamless integration to ensure optimum utilisation of Limited manpower and resources , achieve given performance targets through delegation of work , containing delinquency levels by sensitising assisted units and by regular follow up and monitoring , constant reviewing / monitoring performance of subordinates and motivating them for improved performance .
3	01/04/1999	21/05/2006	SIDBI (i) Pondicherry Branch (ii) Chennai Branch	Manager			(i)Branch Manager - Pondicherry Branch (ii) Team Leader - Direct Finance ( New Business) , Chennai As Branch Manager in Pondicherry , I was responsible for managing the entire operations of the branch with the team given . It involved decision making and I performed multiple roles with seamless integration to ensure optimum utilisation of Limited manpower and resources , achieve given targets through delegation of work , monitoring performance of subordinates and motivating them for improved performance . As Team Head in Direct Finance at Chennai , I lead the team for generating business proposals by disseminating information of banks schemes among MSME Entrepreneurs ,Industry Association and mobilise bankable proposals . Innovative strategies were adopted in this endeavour . I had to achieved desired results taking my team along , generate bankable proposals in line with growth strategy of the bank and keeping up motivation levels of the team members.
4	31/10/1994	31/03/1999	Small Industries Development Bank of India (SIDBI) , Mumbai Office	Assistant Manager			I worked as Assistant Manager in Premises and Administration section of the bank handling all related matters and in Direct Finance Section handling appraisal , disbursement and follow up matters