Sakti Prasanna Nayak
Bengaluru
Summary
Seasoned banking professional with over 35 years of experience in credit management, branch operations, and leadership roles. Retired as Assistant General Manager (AGM) from Bank of Baroda, leveraging expertise in strategic planning, team leadership, and compliance. Seeking opportunities to contribute to organizational growth and mentor the next generation of banking professionals.
Retired AGM from Bank of Baroda with extensive experience in credit operations, branch management, and regional leadership. Proven track record of achieving business growth, improving operational efficiency, and maintaining compliance with regulatory standards. Adept at credit risk assessment, loan portfolio management, and NPA recovery. Led teams across diverse geographies, fostering growth and professional development among colleagues. Skilled in SME lending, branch-level operations, and client relationship management.
Overview
36
36
years of professional experience
Work History
Assistant General Manager (AGM)
Bank of Baroda
Bengaluru
06.2015 - 03.2019
- Supervised credit operations and led the zonal team to achieve strategic business targets
- Managed high-value loan portfolios, ensuring compliance with internal and regulatory guidelines
- Reduced NPAs by implementing effective recovery strategies and enhanced credit monitoring
- Provided mentorship to team members and ensured their professional development
Credit In-Charge
Bank of Baroda
Bengaluru
01.2006 - 01.2019
- Led credit operations, including appraisal, disbursement, and monitoring of large-scale loans
- Streamlined credit approval processes, improving turnaround times
- Trained and guided credit officers in regulatory compliance and risk assessment
Deputy Regional Manager (DRM)
Bank of Baroda
07.2012 - 06.2015
- Directed regional operations to meet business objectives in deposits, advances, and revenue growth
- Strengthened client relationships, ensuring retention and acquisition of key customers
- Conducted internal audits and ensured adherence to banking regulations
Branch Manager/Branch Head
Bank of Baroda
01.2000 - 01.2010
- Successfully managed branch-level operations, achieving business targets in deposits and advances
- Fostered a customer-centric culture, improving client satisfaction and loyalty
- Ensured timely resolution of customer grievances and operational challenges
Credit Officer
Bank of Baroda
01.1983 - 01.2010
- Handled credit appraisals and risk assessments, ensuring loan quality, and minimizing defaults
- Collaborated with cross-functional teams to meet organizational objectives
Education
Master of Arts (MA) - Economics
Skills
- Credit Risk Assessment
- Branch Operations Management
- Regulatory Compliance
- NPA Recovery Strategies
- Team Leadership and Mentorship
- Strategic Planning and Execution
- SME Lending and Portfolio Management
- Client Relationship Management
Careermilestones
- 01/01/83, Joined Bank of Baroda as a Probationary Officer.
- 01/01/92, Promoted to Scale-2.
- 01/01/00, Promoted to Scale-3.
- 01/01/08, Promoted to Scale-4.
- 01/01/17, Promoted to Scale-5 (AGM).
Timeline
Assistant General Manager (AGM)
Bank of Baroda
06.2015 - 03.2019
Deputy Regional Manager (DRM)
Bank of Baroda
07.2012 - 06.2015
Credit In-Charge
Bank of Baroda
01.2006 - 01.2019
Branch Manager/Branch Head
Bank of Baroda
01.2000 - 01.2010
Credit Officer
Bank of Baroda
01.1983 - 01.2010
Master of Arts (MA) - Economics
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