Highly accomplished Senior Banking Professional with over 11 years of progressive experience specializing in Business Banking and Working Capital management at leading financial institutions (HDFC Bank, Axis Bank, ICICI Bank). Expertise includes end-to-end credit appraisal, sophisticated risk analysis, strategic client acquisition, and system automation. Proven track record of successfully managing SME mid-market working capital portfolios valued at 375 Cr, consistently ensuring regulatory compliance and driving the implementation of digital banking solutions.