Sudhanshu Tripathi
Banker
Gurgaon,HR
Work Preference
Summary
Results-driven banking professional with over 20 years of experience in achieving growth and profitability targets through strategic management and innovative solutions. Expertise in managing high-value NPA portfolios, leading regional operations, and ensuring comprehensive regulatory compliance across all banking functions. Demonstrated ability to drive operational excellence, cultivate strong client relationships, and lead cross-functional teams in dynamic, fast-paced environments. Committed to leveraging extensive industry knowledge to enhance organizational performance and deliver exceptional service.
Overview
21
21
years of professional experience
4
4
Certifications
2
2
Languages
Work History
Chief Manager & Authorized Officer
Indian Overseas Bank
New Delhi, Delhi
04.2025 - Current
- Managed ₹10,000+ crore NPA portfolio across Delhi-NCR Region, executing strategic recovery plans and legal actions to enhance asset quality.
- Supervising insolvency proceedings under IBC for prominent
corporates such as Amtek Auto Limited, Punj Lloyd Limited, Rathi TMT Saria Pvt. Limited, Moser Baer Solar Limited among others achieving recovery of 10% and reduction in NPA by 5% of applicable accounts. - Effectively oversee admission of insolvency applications, appointment of resolution professionals, and evaluation of resolution plans while coordinating with creditors, debtors, and stakeholders.
- Specialized in enforcing security interests under SARFAESI ACT, facilitating asset seizures and auctions while collaborating with enforcement agencies to accelerate recoveries.
- Conducting discussions and settlements under One Time Settlement in conjunction with pursuing legal recoveries through Debt Recovery Tribunal (DRT) and Appellate Tribunals (DRAT) realizing impactful results achieving recovery of 100% and reduction in NPA by 100% of target assigned.
Chief Manager & Authorized Officer
Indian Overseas Bank
Erode, Tamil Nadu, I, Tamil Nadu
02.2024 - 03.2025
- Supervised operations of 73 branches with a combined
business mix exceeding ₹10,000+ crore across Erode and
Karur district of Tamil Nadu ensuring consistent performance
and compliance. - Strengthened relationships with key clients including
corporate, MSME, Retail, agriculture and high-net-worth
clients driving business growth and customer loyalty. - Implemented operational efficiency measures, optimized
resource allocation and enhanced recovery strategies to
improve profitability.
Chief Manager & Authorized Officer
Indian Overseas Bank
Mumbai, Maharasthra
12.2019 - 01.2024
- Oversaw and successfully managed insolvency proceedings under IBC for major corporates including Future Group, JBF Petrochemicals Ltd., Dighi Port Ltd., Sri Adhikari Brothers Television Network Ltd., Birla Cotsyn Ltd., among others achieving recovery of 20% and reduction in NPA by 40% of applicable accounts.
- Reduced NPAs through effective SARFAESI initiatives, One Time Settlements, and litigation management, improving financial health of bank with recovery rate of 50% and NPA decrease of 90% for applicable accounts.
- Collaborated closely with resolution professionals, legal teams, creditors, debtors, and regulatory authorities to expedite the resolution of corporate insolvency cases.
- Engaged with external enforcement bodies such as Central Bureau of Investigation, Economic Offenses Wing, and Enforcement Directorate in borrower and guarantor investigations to enhance recovery efforts.
Branch Head & Chief Manager
Indian Overseas Bank
Mumbai, Maharasthra
08.2017 - 11.2019
- Successfully managed branch operations with a business mix exceeding ₹500+ crore, ensuring sustained growth and profitability.
- Managed and mentored a team of 20+ employees, fostering a customer centric culture and high performance.
- Achieved 20% growth in deposits and 10% in advances through targeted marketing and customer engagement initiatives.
- Developed and executed plans to drive performance across all business verticals, including retail, MSME and corporate banking.
- Developed and executed strategic plans to enhance the branch market position, focusing on customer service and corporate accounts.
- Achieved significant growth in branch financial performance, maintaining a strong focus on cost management, risk assessment, and compliance.
Branch Head & Senior Manager
Indian Overseas Bank
Gorakhpur, Uttar Pradesh
07.2012 - 07.2017
- Led branch operations with a business mix of ₹250+ crore, achieving consistent growth in deposits and advances.
- Managed and mentored a team of 15+ employees, fostering a customer centric culture and high performance.
- Achieved 15% growth in deposits and 10% in advances through targeted marketing and customer engagement initiatives.
- Ensured full compliance and implemented service improvements to enhance customer satisfaction and operational integrity.
Credit Analyst| Credit Head| Deputy Manager| Manager
Indian Overseas Bank
Lucknow & New Delhi, Uttar Pradesh & Delhi
01.2007 - 06.2012
- Evaluated and sanctioned loans across retail and MSME segments, conducting thorough credit appraisals and risk assessments enhancing credit portfolio by 20%
- Successfully managed credit portfolios monitored repayment performance and initiated corrective actions to mitigate risks.
- Led credit appraisals teams managing a diverse portfolio
across retail, MSME, corporate segments.
Credit Analyst & Assistant Manager
Indian Overseas Bank
New Delhi & Chennai, Delhi & Tamilnadu
12.2004 - 12.2006
- Handled general banking operations, including account
management, customer service, and daily transaction processing. - Handled foreign exchange operations, managing foreign currency transactions, remittances, and ensuring regulatory compliance.
- Managed credit appraisals and loan processing, ensuring accurate credit documentation while enhancing credit growth by 10%.
- Provided customer service across banking functions, resolving queries and maintaining service standards.
Education
MBA - Finance
Sikkim Manipal University
Manipal, India 04.2001 -
Bachelor of Science - Mathematics
DDU University, Gorakhpur
Gorakhpur, UP06-2000
Skills
NPA analysis and resolution
undefinedCertification
Certified Associates of the Indian Institute of Bankers (CAIIB) Indian Institute of Banking and Finance (IIBF)
Interests
Travelling, Reading Books
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Languages
Hindi
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Accomplishments
Have Successfully supervised operations of 73 branches with a combined business mix exceeding ₹10,000+ crore across Erode and
Karur district of Tamil Nadu ensuring consistent performance
and compliance.
Reduced NPAs through effective SARFAESI initiatives, One
Time Settlements, and litigation management, improving
financial health of bank.
As a Branch Head achieved consistent growth in deposits and in advances through targeted marketing and customer engagement
initiatives.
Quote
The person who says it cannot be done should not interrupt the person who is doing it.
Chinese proverb
Timeline
Chief Manager & Authorized Officer
Indian Overseas Bank
04.2025 - Current
Chief Manager & Authorized Officer
Indian Overseas Bank
02.2024 - 03.2025
Chief Manager & Authorized Officer
Indian Overseas Bank
12.2019 - 01.2024
Branch Head & Chief Manager
Indian Overseas Bank
08.2017 - 11.2019
Branch Head & Senior Manager
Indian Overseas Bank
07.2012 - 07.2017
Credit Analyst| Credit Head| Deputy Manager| Manager
Indian Overseas Bank
01.2007 - 06.2012
Credit Analyst & Assistant Manager
Indian Overseas Bank
12.2004 - 12.2006
MBA - Finance
Sikkim Manipal University
04.2001 -
Bachelor of Science - Mathematics
DDU University, Gorakhpur