PRAMOD KUMAR VERMA Lakshmi Vilas Bank Regional Office ,B-406 4th floor, Naurang House , 21 KG Marg , New Delhi -110044

09891798524

pk.verma@rediffmail.com Career ProfileSenior professional with 20+ years of diversified experience in Retail and wholesale Banking , credit appraisal , operations, audit & compliance, Mortgage loans , SME, LAP, HL, & All retail loans appraisal & sanctioning & other retail business growth ,

Work ExperienceMarch 2014 – till date Chief Manager Lakshmi Vilas Bank (90 years old leading Commercial Bank), Regional office , New DelhiResponsible in driving business growth, Retail Assets & liability targets , credit , Retail , HL, LAP, SME, appraisal, monitoring, and ensuring all assigned targets of Region comprising 29 branches in 9 states are achieved. Ensure quality credit analysis, SANCTION APPRAISAL, monitoring and recovery measures and achieve all business targets, Ensured profitability through all corporate and retail Lending products. Have headed Gurgaon branch for one year and achieved major business targets June 2008 – Feb 2014 Branch Head , ICICI Bank Handled different large branches in various roles In Gurgaon region including operations , inspection and compliance ,customer service including retail credit growth , all LAP, HL, Secured and mortgage loans analysis. business development .Formulated business & sales strategy and improved audit rating of branches. Spearheaded business development and Sales activities for entire range of financial products across all segments . Feb 1996 – May 2008 Branch Manager - Canara Bank Monitored entire Business portfolio of Dehradun Circle comprising 50 branches in UP & Uttaranchal state With 2300+ crores portfolio. Entrusted with the driving assets and liability and business growth of the Branches, the development of business and catering to the overall financial needs of the customers. Offered assistance to circle head in framing business strategies and Enhanced business manifold and helped the circle reach all targets .Over the 12 years served in the Bank, was instrumental in achieving major Retail and wholesale banking targets for Various business segments eg Home loans, loan against property , Mortgage loans, SME, and all retail lending appraisal, sanction , compliance & duly adhering to all Regulatory guidelines and was responsible for credit appraisal, Retail, secured , unsecured lending, supervision and follow up for all branches at controlling office Dehradun during.Headed Najibabad branch with over 200 cr+ business in 2005-06. Handled efficiently Corporate & Retail credit , Imports-exports , Forex, remittances, Fund based and Non fund based business , Asset liability Management & recovery management . Business management tools , business growth , promotion and development strategy .

Achievements 1. Distinction of handling Foreign Exchange Business, Retail & corporate credit and other Financial operations in various large branches in New Delhi 1999-2005 with business over INR 500 Cr+ Crores branches .

• 2.-Won recognition & award for outstanding performance in achieving the assigned

targets, Best recovery & business management , organizing Retail Credit growth

/recovery Campaigns at Canara Bank in Uttar Pradesh Circle.

• 3.Awarded Merit Certificate by Circle head ,Uttrakhand& UP Circle, Canara Bank ,

Dehradun for best branch in Region in highest reduction in Gross Non performing

Assets 2005-06 and business development as Branch Head Najibabad and achieving

Home loans business targets highest in region

• 4.Achieved appreciation for cross sale of third party & mortgage products , &

business growth & profitability targets & business growth in ICICI Bank .

• 5.Achieved Seven star – Best Audit Rating for best compliance ,audit &inspection

in all operations duly adhering to all statutory, regulatory guidelines In north zone as

Branch Head ,ICICI Bank , 2008-09 and got appreciation from Zonal Head North

• 6.Won certificate of Appreciation from Head branch sales & business development ,

ICICI Bank for valuable contribution in retail liabilities by significant increase in

income from alternate products .

• 7.Won EXEMPLER VALUE BANKER AWARD in ICICI Bank 2012 for significant value

Addition in business in specified parameters

• 8.Won appreciation from Circle Head Canara Bank Uttar pradesh for organizing

credit Meets\business mobilization campaigns and business growth and target

achievements . and achieving Secured lending mortgage targets in retail lending

• 11.Appreciation From Lakshmi Vilas Bank for Exceptional performance in business

sourcing \account opening on 89th bank anniversary celebrations In Nov 2014..

• 12.Appreciation & recognition letter from Circle head CANARA BANK , Dehradun

For commendable and Extraordinary contribution for business growth of circle

comprising 50 branches and for handling/monitoring over 2300+ crores business

with focus on quality credit sourcing, appraisal, credit sanction and Mortgage

business contribution in major parameters. , ensuring profitability of Region in

various parameters .

• 13.Qualified U. P. Government MERIT SCHOLARSHIP Exam ,1984 and Secured U.P.State Merit Scholarship 1984 -1988

Professional Qualifications• 1.Executive Programme in Business Management (EPBM) from Indian institute of

Management (IIM) - Calcutta 2008-2009 (EPBM-11 Batch)

• 2.Diploma in International Banking & Finance (D.I B.F.) from IIBF Mumbai.

• 3.Certified Associate of Indian Institute of Banking and Finance (C.A.I.I.B.).

• 4.Certificate in Trade Finance (C.T.F.), Indian Institute of Banking & Finance,

• 5.Certification in Project Finance from Institute of Financial management and

research (IFMR), Chennai

Trainings• Advanced Credit Management from Southern India Banks Staff Training

College(SIBSTC), Bangalore.

• Internal Control & Business Management from ICICI Bank & Canara Bank.

• Branch Leadership Program(BLP) by ICICI BANK for Branch Managers

• Managerial Effectiveness Program , Canara Bank

• Training on Managerial Excellence & Soft Skills

• Training on Priority credit at CAB, Reserve Bank of India , Pune 2005