• Evaluate, recommend, and approve proposals in accordance with delegation of authority.
• Supervise the team's credit decisions.
• Foster the development and motivation of the credit team.
• Review delinquent cases and document insights and portfolio reviews for risk management.
• Propose policy or process changes based on local factors and competitor feedback.
• Ensure to meet Lending/Loans Targets in consumer financing.
• Ensure portfolio management by ensuring timely collection/recovery to avoid any loss provisioning.

• Supervise the team's assets and liability.
• Team development and motivation.
• Ensure to meet loan disbursement targets.
• Targets achievement in Collection with Current Collection Rate 99%.
• Ensure to achieve Deposit/Liability Targets with CASA 30 Million, TDR 35 Million
• Portfolio management of 195 Million Gross Loan Portfolio by ensuring timely collection/recovery to avoid any loss provisioning.
• Delinquency management at 0.22% by ensuring liquidate accounts stop movement to next buckets.
• Branch profitability was maintained at 41 Million.
• Compliance rating managed by 96%.
• Audit rating of the branch managed in Category “A”.

• During the tenure build 235 Million GLP.
• 100% Resolution (Collection)
• Managed the team of Credit Officers/Relationship Officers.
• Credit sales in Enterprise, Personal, Salary and consumer finance.
• Also build portfolio on Collateral (Gold Ornaments) with 100% Collection Rate

• Managing self-build 650 Active Borrowers.
• During the tenure build 38 Million GLP.
• 100% Resolution (Collection)
• As a Relationship Officer ensured 100% Collection Rate.
• Build portfolio in Enterprise, Personal, Salary and consumer finance.