Rao Krishna Ranjan
Bengaluru
Summary
Over 24 years of extensive experience in various assignments in State Bank Of India in Mumbai and other parts of Maharashtra. I have taken responsibilities mainly in credit starting with Retail, Agri, SME and since last 15 years in mid and large corporate credit. My last 16 years include four years of foreign assignment as VP Credit at SBI Sri Lanka Branch, Colombo. Adept at building and maintaining strong client relationship with focus on business growth aligned with compliances and regulatory standards. Experience in credit analysis, risk assessment, and taking strategic decisions in critical situations. Succesfully handled Stressed asets including IBC cases. Seeking to leverage expertise in a dynamic organization committed to excellence in corporate finance.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Relationship Manager, Mid Corporate
State Bank Of India
Mumbai
04.2019 - Current
- Held this position at Commercial Branch Mumbai and Industrial Finance Branch Mumbai for 3 years each. At present posted at Overseas Branch Bangalore since July 2025.
- At C.B. Mumbai Branch, I handled renowned groups like Raymond, Avenue Supermart, RCF, Tata, ESSEL group, Cox & King etc with portfolio size of Rs 3000 crs plus.
- At IFB Mumbai Br, I handled large NBFCs and state govt companies related to power generation and distribution with a total portfolio size of Rs 21000 crs.
- At OB Bangalore handling portfolio of Rs 10000 crs with 14 clients like Titan, BEL, Sobha, Colortone etc.
- Analyzed market trends and identified potential new customers through research activities.
- Conducted in-depth financial analysis to assess clients' credit requirement and presented their proposal to various sanctioning committees.
- Led negotiations and structured complex financial deals, ensuring compliance with regulatory requirements.
- Implemented strategies to capture entire ecosystem of the corporate to optimize return.
Vice President Credit
State Bank Of India, Sri Lanka Branch
Colombo
01.2015 - 03.2019
- Headed Credit division at SBI Sri Lanka, overseeing five branches nationwide.
- Developed and launched innovative loan products to enhance service offerings.
- Drafted loan policy for SBI Sri Lanka operation in line with local regulator and RBI.
- Participated in loan syndication processes to broaden funding sources.
- Ensured compliance with local banking regulations aligned with RBI guidelines.
- Maintained high asset quality through rigorous evaluation processes.
- Developed comprehensive financial products tailored to meet local market needs.
- Oversaw risk management strategies to ensure compliance with regulatory standards.
Relationship Manager Medium Enterprises
State Bank Of India
Nagpur
02.2009 - 12.2014
- Developed and executed strategic plans to meet SME clients' financial needs and achieved sustained growth in the portfolio.
- Identified new business opportunities within the existing client base, contributing to a steady growth in revenue.
- Conducted comprehensive financial analysis to assess clients' creditworthiness and provided recommendations for loan approvals.
- Business growth and maintaining asset quality were key responsibilities.
- Made successful recoveries in NPAs and resolved many stressed assets.
Education
Executive MBA -
SPJIMR
Mumbai, India09.2010
B.Sc - Biology
Magadh University
Bodh Gaya, Patna, India07.2000
Skills
- Team leadership
- Decision making
- Solution-oriented mindset
- Credit administration
- Credit risk assessments
- Industry knowledge
- Default risk minimization
- Deal structuring
- Relationship building and management
- Strategic planning
- Business development
- Client negotiation
Certification
- Certified Anti Money Laundering Specialist
- JAIIB/CAIIB
Personal Information
- Specialization: Corporate Credit
- Title: Relationship Manager
Timeline
Relationship Manager, Mid Corporate
State Bank Of India
04.2019 - Current
Vice President Credit
State Bank Of India, Sri Lanka Branch
01.2015 - 03.2019
Relationship Manager Medium Enterprises
State Bank Of India
02.2009 - 12.2014
Executive MBA -
SPJIMR
B.Sc - Biology
Magadh University