PANKAJ SINGH

• Managed onboarding of corporate customers to support transition and continuity of operations across mid-to-large turnover ranges.
• Generating fresh business from existing customers and credit portfolio
• Maintaining healthy business and keep regular check up to ensure portfolio quality.

• Responsible for overseeing the strategic direction, growth, and operational management of the bank's MSME and Commercial lending portfolios. This role involves driving business development, ensuring sound risk management, and maintaining high standards of customer service. Responsible for leading a team of professionals, managing stakeholder relationships, and ensuring compliance with regulatory requirements
• Responsible for sourcing new MSME & Corporate proposals ranging from Rs 1.00 crore to Rs 50.00 crores across Mumbai Western region of the bank.
• To ensure Credit, Operational and liability compliances as RBI guidelines.
• Evaluation of credit sanctions on regular intervals.
• Lead, mentor, and develop a team of Branch Managers involved in MSME and commercial lending.
• Develop customer retention strategies to maintain and grow the customer base.
• Developed Robust Mechanism for initial screening of proposals and post disbursement monitoring for ensuring asset quality.
• Monitoring of CRILC accounts, regular inspection and quality control.

• Overall responsible for heading complete growth of Branches across the Region for their GL Growth, Operations, Compliance, P&L Management, Credit & Loan Administration, Recovery, NPA Management and Customer Service as well as leads the business development operations.
• Sanctions of Retail & Commercial loans within the delegation of power and as a member of credit committee.
• Liasioning with top HNI clients and leading the team of Branch Managers and Managers at Regional office to ensure optimum productivity.
• Overseeing entire Retail Liability, Asset and Revenue Business including third party products.
• Monitoring of Disbursement and conducting health checkup of loan portfolio on monthly intervals.
• To monitor entire NPA and overdue portfolio of the region, to ensure timely follow up, recovery and legal action under SARFAESI ACT 2002 and Arbitration.
• Follow up with Branch Managers in overdue accounts/SMA accounts.
• Identification of Early Warning Signals in portfolio and initiation of remedial actions.

• Managing the end-to-end, SME & large corporates credit portfolio, credit proposals, credit administration and monitoring for secured & unsecured credit book.
• Delivering complete credit processing/Risk Rating within TAT & operations and managing the entire documentation process as well as reviewing credit limits and control it within Bank's lending norms.
• Credit Audit-Examines large borrower accounts to assess credit quality, adherence to sanctions.
• Conducting Risk Based Internal Audit (RBIA) of Credit, Operations and Treasury operations.

• Managed the allocated client of Bullion traders & SME portfolio and maintained client relationships to ensure balanced growth of the same within acceptable risk levels.
• Worked as Relationship Manager for SME portfolio of Rs 2500 Cr

Managed treasury operations and branch banking activities to support daily financial workflows.