Highlights:Banking Expertise: Over 15 years of extensive experience in Retail and Commercial Credit with India's largest bank, State Bank of India. Leadership Role: Successfully managed diverse portfolios and teams as a Deputy Manager, driving growth and ensuring compliance with regulatory standards. Risk Management: Proficient in analyzing creditworthiness, mitigating risks, and implementing effective financial solutions for retail and commercial clients. Certifications: Earned prestigious certifications such as SME Finance for Bankers, Certificate in KYC and Anti-Money Laundering, and Commercial Credit Certification by Moody's. Professional Development: Pursuing the US CPA to strengthen expertise in global accounting and finance practices, showcasing commitment to continuous learning. Achievements: Recognized for optimizing credit processes and maintaining high-quality service standards in a dynamic, high-pressure environment.

Skills:CREDIT RISK ASSESSMENT, FINANCIAL ASSESSMENT, KYC COMPLIANCE, ANTI- MONEY LAUNDERING, REGULATORY COMPLIANCE, FINANCIAL SOLUTIONS, CLIENT RELATIONSHIP MANAGEMENT, STRATEGIC PLANNING, CREDIT SANCTIONING, FINANCIAL REPORTING, BANKING OPERATIONS, LOAN DISBURSEMENT, COMPLIANCE AUDIT

Goal:As a seasoned banking professional with over 15 years of experience in Retail and Commercial Credit, I aim to leverage my expertise to contribute to the growth of financial institutions in the United States. My short-term goal is to secure a challenging role in the banking, financial services or auditing industry that allows me to apply my skills in credit analysis, compliance, and risk management. In the long term, I aspire to advance into leadership positions where I can drive strategic initiatives, optimize financial processes, and mentor teams to achieve organizational objectives. Additionally, as I pursue the US CPA, I am committed to expanding my knowledge base and aligning my qualifications with global financial standards to excel in the international financial landscape.

Membership:1. Junior Associate of the Indian Institute of Bankers (JAIIB) Awarded by the Indian Institute of Banking and Finance (IIBF). 2. Member of the Indian Institute of Banking and Finance (IIBF) Actively associated with professional initiatives and certifications in the banking sector.

Certification:1. SME Finance for Bankers.( Indian Institute of Banking & Finance ) 2. Certificate in KYC and Anti-Money Laundering.( Indian Institute of Banking & Finance ) 3. Certificate on Commercial Credit by Moody's Analytics 4. JAIIB.( Indian Institute of Banking and Finance )

Honor:Excellence in Portfolio Management Recognized by State Bank of India for outstanding performance in managing Retail and Commercial Credit portfolios.

DEPUTY MANAGER 08/25/2008 - current
STATE BANK OF INDIA, TRIVANDRUM, KERALA India
Industry: BANKING
A seasoned banking professional with over 15 years at State Bank of India, specializing in Retail and Commercial Credit. Expertise in credit analysis, risk management, and compliance with KYC and AML standards. Proven track record in portfolio management, team leadership, and customer relationship building. Currently pursuing the US CPA to enhance global financial expertise and transition into strategic roles within the U.S. financial services industry.
I am an accomplished banking professional with a proven track record of over 15 years in the financial services industry, specializing in Retail and Commercial Credit. During my tenure at State Bank of India, I honed my skills in credit analysis, risk management, and compliance while managing diverse portfolios for high-value clients. My expertise extends to evaluating creditworthiness, mitigating financial risks, and ensuring adherence to regulatory standards, including KYC and AML guidelines. As a proactive leader, I have successfully mentored teams, streamlined operational processes, and implemented innovative financial solutions that aligned with organizational objectives. My commitment to professional growth is evident in my pursuit of certifications such as Moody’s Commercial Credit Certification, aiming to align with global financial standards. With a deep understanding of the banking sector and a passion for continuous learning, I am now looking to contribute my expertise to the U.S. financial landscape, focusing on strategic credit management and compliance.--

UNIVERSITY OF KERALA 07/2005 - 09/2007
TRIVANDRUM, KERALA, India
Degree: Master's Degree
Major:FINANCE AND TAXATION
Postgraduate Degree in Commerce University of Kerala, India Specialized in finance and accounting principles, providing a strong foundation for a career in banking and financial services.

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