DILSHOB MK

· Led SME loan sanctioning operations for the Mumbai Metro East region, managing high-value and high-volume lending portfolios.

· Oversaw credit appraisal, risk assessment, and policy compliance across multiple units.

· Delivered 2× the March-2026 lending target by December 2025, outperforming regional benchmarks.

· Improved turnaround time through process optimisation and tighter workflow controls.

· Mentored teams on credit quality, documentation standards, and regulatory compliance.

· Managed end-to-end branch operations including lending, deposits, compliance, and customer service.

· Improved Credit–Deposit ratio by significantly growing advances across retail, agriculture, and MSME segments.

· Expanded retail lending through strong partnerships with car dealers and real estate developers.

· Drove CASA growth through onboarding corporate salary accounts.

· Ensured full adherence to regulatory and audit requirements.

· Provided regional oversight across operations, credit monitoring, compliance, and performance management.

· Supported opening of new branches in unbanked and high-potential locations.

· Built strategic relationships with government departments and PSUs.

· Held responsibility for HR, Legal, Recovery, Compliance, Vigilance, Operations & Services, and Security.

• Managed credit and administrative functions at HO and RO levels
• Led cross-functional teams and delivered operational improvements
• Improved workflow efficiency by ~20%