Former Chief Manager, Sanctions at State Bank of India, with 15 years of banking experience spanning credit appraisal, branch leadership, sanction governance, post-sanction controls and stressed-account resolution.
SME · Retail · AgricultureCredit assessment and governance
01 / CREDIT EXPERIENCE
Responsibility across the lending lifecycle.
Experience at State Bank of India across appraisal, centralised sanction governance, branch leadership and post-sanction controls, with exposure to SME, retail and agricultural lending.
US$360M
Credit portfolio governed
SME & retail lending
5,800+
Credit files governed
2,500+ personally assessed
7 → 5 days
Credit processing turnaround
Approximately 29% reduction
BA → AA
Audit rating improvement
Across 3 inspection cycles
ADVANCES GROWTH
+35% SME
+31% Retail
Over 15 months
2021 — 2024
Chief Manager, Sanctions
State Bank of India · Loan Processing Centres
Centralised underwriting and sanction governance across SME, retail and agricultural lending; team leadership, credit committees, portfolio visibility and workflow improvement.
2020 — 2021
Manager, Post-Sanction Governance
State Bank of India · State Loan Processing Unit
Unit oversight across 35,000+ legacy loan accounts, covering loan-document controls, inspection cycles, staged disbursement and a centralised management information system for file tracking.
2018 — 2020
Branch Head & Asset Management Leadership
State Bank of India · Sambhar Branch
Business development, borrower relationships, asset quality and branch controls, with a focus on disciplined portfolio remediation and sustainable growth.
2009 — 2018
Progressive banking & credit roles
State Bank of India
Building experience across credit appraisal, customer relationships, branch operations, compliance and management responsibilities.
2025 — PRESENT / BUILDING ON THAT FOUNDATION
Following my banking career, I completed my Southampton MBA and developed my international consulting and practical AI work. My career focus is credit underwriting, sanction governance and portfolio management.
02 / CREDIT PERSPECTIVE
Understand the business. Assess the credit.
“Understand the borrower. Challenge the assumptions. Make the credit rationale clear.”
My work with hundreds of small and medium-sized businesses has shaped how I assess business models, financing needs and repayment capacity. Understanding the borrower’s commercial reality helps me challenge assumptions and identify the risks behind a lending proposal.
At State Bank of India, I worked across SME, retail and agricultural lending. My responsibilities connected appraisal and sanction governance with documentation, disbursement, portfolio monitoring and stressed-account resolution. I bring that experience to the full life of a credit exposure.
A Master of Science trained me to question evidence. An MBA at the University of Southampton broadened my perspective on international banking and business strategy. My team’s consulting work for a Dubai-based medical-tourism firm extended that commercial understanding to client acquisition, retention and franchise-based entry into new markets.
I am focused on opportunities in credit underwriting, sanction governance and portfolio management. Alongside that career focus, I develop practical tools such as UnderwriteAI to explore clearer credit preparation, visible calculations and accountable human review.
FROM APPRAISAL TO RESOLUTION
Across the credit lifecycle.
Follow how I connect financing purpose and repayment capacity with structuring, sanction conditions, monitoring and resolution.
THE BUSINESS QUESTION
What makes the business work?
Purpose & readiness
Start with the customer, product, margins and cash cycle. Establish what the capital will fund, whether debt is the right instrument and what evidence is missing.
Business-model assessment · borrower conversations · financial information readiness
An illustration of my approach. Every transaction remains subject to the lender’s policy, evidence and approval authority.
WHAT I BRING TO A CREDIT TEAM
Clear analysis. Disciplined judgment.
Commercial understanding becomes useful when it supports an explicit credit view, appropriate conditions and dependable follow-through.
A
Underwriting & appraisal
Connect the business model, financial statements, working-capital cycle and repayment capacity. Challenge assumptions, identify downside risks and explain the basis for a credit recommendation.
B
Sanction governance
Bring structure to credit memoranda, policy exceptions and approval conditions. Work within delegated authority and keep the decision rationale and escalation requirements clear.
C
Portfolio & post-sanction controls
Connect documentation and disbursement controls with monitoring, early warning, renewal and stressed-account resolution. Improve case tracking and management information for the team.
03 / CREDIT EXPERIENCE APPLIED TO AI
Better preparation. Visible reasoning.
UnderwriteAI shows how I translate credit process knowledge into requirements for evidence, calculations and review. It is my principal credit-related product project.
01
CREDIT DECISION SUPPORT
UnderwriteAI
Demo · under testing
Keep the reasoning behind a credit draft visible.
An underwriting workbench with traceable evidence, visible calculations and human review. Synthetic demo; under testing.
From a property enquiry to a better-prepared viewing.
AI-assisted property enquiries, buyer qualification and viewing coordination for brokerages.
How the pilot works
An AI buyer-conversation and viewing workflow for property brokerages. It connects portal and WhatsApp enquiries with sourced property information, buyer qualification, viewing coordination and a consultant handoff.
Answers grounded in property facts. A Property Passport connects listing information and supporting documents, with sources and missing facts made visible.
A clear next step for the buyer. Capture needs, coordinate available viewing slots and pass the conversation to a consultant.
A connected brokerage workflow. Keep enquiry, qualification and booking events organised for the team and its CRM.
A founder-managed pilot launch. Channel activation, client-specific setup and integrations are validated before use; no conversion uplift is claimed.
CAIIB and an international MBA complement my banking experience. Continued study in operations, governance and AI supports how I approach credit processes and business risk.
2025
Master of Business Administration
University of Southampton
Merit · Dean’s List Award for Outstanding Achievement
International Banking and Entrepreneurship focus. Research into SME financing behaviour and credit access gaps in emerging markets.
World top 100 in QS 2026: ranked 87th globally. Ranking year is specified because rankings change. View ranking source ↗
2009
Master of Science
University of Kota
Biotechnology
A scientific foundation in analytical thinking: interrogate the evidence, test the explanation and distinguish an observation from a conclusion.
Awards, qualifications & continued learning
Academic awards, professional qualifications, programme completion and participation are labelled separately.
CAIIB · International Banking
Indian Institute of Banking & Finance · 2014
Professional banking qualification
Advanced banking knowledge alongside practical credit and branch experience.
Dean’s List Award for Outstanding Achievement
University of Southampton · Faculty of Social Sciences · 2025
Academic award
Awarded on 26 June 2025 for outstanding achievement in the Master of Business Administration programme.
Issued 8 September 2025. Delivered in collaboration with NSDC and the CoE Logistics & Supply Chain Management, IIM Mumbai. An operations perspective that complements my work on inventory, business cash cycles and working capital.
I helped shape a growth strategy for a boutique medical-tourism firm based in Dubai and seeking to enter new markets.
As part of my Southampton MBA consulting team, I worked on a connected approach to client acquisition, retention and market expansion. We revisited how the firm attracts and retains clients, assessed opportunities in new markets and developed recommendations for expansion through a franchise model.
Client acquisition
Revisit how the firm reaches prospective clients and turns interest into a clear path to engagement.
Client retention
Review the patient journey, follow-up and ongoing engagement to strengthen client relationships.
Market expansion
Assess entry into new markets and a franchise model that could support scalable growth.
Southampton MBA consulting project · 2024–2025. Scope: growth-strategy development and recommendations.
From analysis to recommendationsPresenting patient-retention recommendations during my Southampton MBA consulting project.
RELEVANCE TO CREDIT
Understanding how a firm acquires clients, retains revenue and enters new markets sharpens the questions I bring to a borrower’s growth plan and financing needs.
06 / ADDITIONAL PROJECTS
Practical curiosity, beyond credit.
Further examples of product design, structured workflows and building with AI. Each case study explains my role, the current stage and the limits of what is ready.
SMALL BUSINESS OPERATIONS
OpenLine Studio
Commercial pilot
Websites and enquiry-to-quote workflows for owner-led service businesses.
A quote-to-invoice workflow with manual payment records, print-to-PDF and backup/restore. Built with AI assistance; the product itself does not use AI.
Single-browser data. Cloud sync, payments and automatic reminders are not included.
CONSULTING OPERATIONS
Internal workflow
CreditEdgeFirm OS
A structured consulting operating model with research, delivery, client-perspective review and an independent challenge before the principal signs off.
An internal operating framework, not an autonomous advisory firm or a proven client platform.
RESEARCH & PUBLISHING
Under development
Fifty-Page Press
A publishing workflow exploring demand validation, source-based research, claim checking and editorial review through staged approval gates.
Live setup and automation gaps remain; it is not presented as a fully automated publishing business.
Project stages reviewed September 2026. Descriptions distinguish public demonstrations, commercial pilots and remaining validation.
07 / MOMENTS & RECOGNITION
The personal part of the story.
A few moments from the journey: an international MBA, academic recognition and the colleagues who shared my banking years. Select an image to see it in full.
An international MBA chapterGraduation at the University of Southampton, December 2025.A milestone worth sharingSouthampton graduation celebrations, December 2025.Dean’s List AwardOutstanding Achievement · Southampton MBA · 26 June 2025.Recognition from my banking yearsA felicitation during my career at State Bank of India.
Banking appreciation certificates 2 documents
Certificate of Appreciation
SBI Card Project Shikhar
SBI Card · 18 January 2020
Recognised for my contribution to SBI Card Project Shikhar.
Evidence before confidence. Clarity before approval.
Understand & challenge
Establish the financing purpose and the borrower’s operating context. Test assumptions, consider downside scenarios and distinguish a missing input from an assessed risk.
Communicate the credit view
Make the recommendation, conditions and exceptions understandable. Engage constructively with business teams, reviewers and decision-makers while keeping responsibilities clear.
Follow through
Carry the credit rationale into documentation, disbursement and monitoring. Use better information and practical tools to make review and escalation more dependable.
CREDIT CAREER OPPORTUNITIES
Let’s discuss your credit team.
I welcome conversations with hiring managers and recruiters about credit underwriting, sanction governance and portfolio-management roles. I bring banking experience, commercial understanding and a practical interest in improving credit workflows.
