Expertise

Expertise

Expertise from IDBI as Term Lender

• Extensive experience in preparation and appraisal of project reports, expansion and diversification proposals, loan applications, and fund structuring in compliance with lender requirements.
• Strong exposure to Internal Audit with sound knowledge of accounting systems, internal controls, and coordination with external auditors and committees. Conducted internal and management audits across multiple business segments, enabling effective recommendations on internal and external control measures.
• Hands-on experience in the Rehabilitation Department involving diagnosis of stressed units, formulation of revival strategies, and turnaround of weak units into profitable operations.
• Represented IDBI in various forums and creditors’ meetings for restructuring and resolution of stressed accounts.
• Worked in Recovery and SARFAESI departments with in-depth knowledge of the Act, procedural aspects, and negotiations with banks for settlement and recovery of dues.

Expertise as a Banker – IDBI Bank

• Extensive handling of Small & Medium Enterprises (SME) and Agri Finance with deep insight into working capital finance and long-term funding requirements.
• Practical expertise in structuring working capital facilities, preparation of proposals for working capital and term loans, loan management, enhancements, renewals, and credit assessment of SME and Agri units.
• Close liaison with borrowers, gaining strong understanding of operational and financial nuances specific to SME and agricultural enterprises.

Overall Management Expertise

• Over 35+ years of professional experience, retired as Assistant General Manager, with postings at Kochi, Shimla, Bhopal, Mumbai, Chennai, and Coimbatore, providing wide exposure to diverse business cultures and regional practices.
• Strong command of English with good working knowledge of Hindi.
• Received extensive professional training at JNIDB (IDBI’s Training Institute), gaining advanced knowledge in financial management, financial instruments, foreign exchange, human resource development, communication skills, and emotional intelligence.