Lead and manage SME & commercial teams to achieve business targets assigned to them. Responsible for organizing and directing the credit lending. Identify opportunities to increase credit volume to achieve defined credit growth objectives. Map credit plan with respect to business development strategy and ensure compliance of budgeted targets. Ensure to book quality assets to earn sustainable and competitive return based on thorough analysis and research. To review existing portfolio (Rs. 25 billion)/ relationships (total 124), business performance and reciprocity, turnovers and requirement of the customers. Monitor asset portfolio to ensure proper utilization of credit lines, regularization of overdue and watchlist accounts, inspection of pledged stocks and timely recovery of markup. Visiting customers for business and renewal of facilities /referrals. No. of staff reporting: 11. Also worked in the role of Area Credit Officer (ACO) and approved various credit lines under the discretionary powers of AOCC. Role was also responsible for carrying out critical analysis of credit proposals, including financial analysis, customer past track record vis-a-vis business routed.