Assistant General Manager
State Bank of India
Total years of experience :38 years, 0 Months
Profile of Banking experience
I joined the State Bank of India as a Probationary Officer in November 1977, and retired in October 2013 as Assistant General Manager. For nearly 36 years, I served the Bank.in various capacities. Some of them are line positions, and some others are staff positions. They all required special knowledge and skills. These positions are:
Line Positions with budgetary responsibilities
Relationship Manager (MCG): SCB Chandigarh: 23.07.2007 to 10.05.2008
Business Development among mid-corporate accounts. Achieved the annual targets, rather exceeded them, set for loans. More than 50% growth in the portfolio managed annually.
Relationship Manager (MCG): SCB Millerganj Ludhiana: 01.07.2005 to 22.07.2007
Business Development among mid-corporate accounts. Achieved the annual targets, rather exceeded them, set for loans. More than 50% growth in the portfolio managed annually.
Chief Manager (SME): SCB Millerganj Ludhiana: 12.09.2004 to 30.06.2005
Was responsible for sanction of loans to SME accounts up to the delegated limits, and responsible for recommending above those limits. Successfully managed the accounts with the help of field officers.
Manager( Personal Banking): Panchkula Branch :11.07.2000 to 07.05.2001
Was responsible for mobilization of deposits & sanction of loans to Personal accounts. Achieved the annual targets.
Branch Manager: New Courts Ludhiana Branch: 06.06.1994 to 14.09.1996
Was responsible for mobilization of deposits & sanction of loans to predominantly Personal accounts. Achieved the annual targets.
Manager (SIB): Mohali Branch:06.05.1991 to 05.06.1994
Was responsible for mobilization of deposits & sanction of loans to Small Industry & Business accounts. Achieved the annual targets.
Manager( Personal Banking): Doranda(Ranchi) Branch :18.12.1986 to 03.07.1989
Was responsible for mobilization of deposits & sanction of loans to Personal accounts. Achieved the annual targets. The branch apart from having one of the largest Personal Banking Division in Bihar, also had an International Banking Division and a Govt. Business Section with a staff of 110. I officiated as the Chief Manager, head, of the Branch for 8 months.
Branch Manager: Bagaha(West Champaran) Branch: 10.08.1986 to 17.12.1986
Was responsible for mobilization of deposits & sanction of loans to predominantly Agriculture accounts.
Staff Positions
Chief Manager / Asstt General Manager :ALM Department, Corporate Centre: 17.05.2008 to 31.10.2013
A member of the team looking after the interest rate risk and liquidity risk of the Bank. Individually responsible for organizing the ALCO meetings, and provide secretarial support to ALCO (Asset Liability Management Committee), which is almost a board level committee as it comprises of some members of the Board. The committee is also responsible for pricing of deposits and loans of the Bank.
Manager IOR & GAD: ZO Haryana::01.07.2003 to 11.09.2004
Assisted Deputy General Manger the Zonal Office in the area of inter-office reconciliation. Was responsible for reconciliation of Inter Office account entries of branches under the Zonal Office. Successfully achieved the set targets with the help of three officers at the zonal office and the staff at branches.
Manager (DPC): LHO Chandigarh:21.01.2002 to 30.06.2003
Was head of the Data Processing Centre for MIS purpose at the Local Head Office. I was assisted by 5 programmers and the ZCCs at the Zonal Offices. Successfully managed the Centre for two balance-sheets apart from the regular weekly, monthly & quarterly MIS data.
Manager(Sales Planner):R-II, Zonal Office: 15.09.1996 to 10.07.2000
Assisted the Regional Manager & the 34 Branch Managers under him in achievement of their budgetary targets for deposits & loans by providing business leads.
Credit Officer: Credit Appraisal Department, LHO Chandigarh:04.07.1989 to 05.05.1991
Appraisal of large Small & Medium Industry loan proposals.
Was 'Tutor' to Physics Undergraduates for Mathematics & Fortran
Master of Science (Information Technology)
Fellowship Programme in Management ( Did not complete)- 1984-85.
Ph.D.( Did not complete)-1973-75.
Diploma for Advanced Studies in Science (Theoretical Physics)
B.Sc (Hons)
