32 Years Inside India's Biggest Bank.
Now Working For You.
I am Rajesh Kumar, Ex-Chief Manager at State Bank of India. I help banks, NBFCs and companies recover bad loans, fix credit risk, and run better branches. Real work — for 32 years.
Trusted consultant for
The problem
Bad loans stuck for years? NPAs eating your books? Recovery team missing targets?
You do not need one more presentation. You need someone who has already done this work — ₹230 crore worth. Someone who knows SARFAESI, DRT, OTS and civil suits the way most people know their morning coffee. That is me.
Real work. Real numbers.
From SBI clerk to Chief Manager. In one bank. 32 years.
I joined State Bank of India in May 1992 as a clerk. I retired in March 2024 as a Chief Manager. In between, I ran branches, headed credit, led recovery cells, and managed portfolios of over ₹1,278 crore.
I have worked in Uttar Pradesh, Maharashtra, Karnataka, Andhra Pradesh and Delhi. Retail, MSME, corporate, agriculture — every book has taught me something.
Today I work as an independent consultant. I take expert-network calls with GLG, Dialectica, Infollion and ARC Advisory, and hourly advisory work with Cap Visio, Malaysia. I am also open to senior full-time roles with NBFCs, MNCs and ARCs.
What I do best
Asset Recovery & NPA Resolution
SARFAESI. DRT & DRAT. Civil suit recovery. One Time Settlement (OTS). I have done this work for years — not read about it.
Credit Risk & Portfolio Management
Credit appraisal, policy design, early warning signals, portfolio review across retail, MSME, corporate and agri books.
Branch Leadership & Operations
End-to-end branch running. Deposits, advances, cash, clearing, KYC/AML, digital banking. Teams from 5 to 50+.
Compliance, Audit & Governance
RBI guidelines. Statutory, concurrent and internal audit. Zero-false-complaint RFIA record. Grade B → Grade A upgrades.
Four ways I can help you win.
Credit Consulting
- Credit appraisal & risk analysis
- Policy and process design
- Portfolio review & monitoring
- Retail, MSME, corporate, agri
Asset Recovery & NPA Solutions
- Recovery strategy & execution
- NPA & stressed-asset management
- Legal & settlement advisory
- One Time Settlement (OTS) design
Business & Branch Leadership
- Branch turnaround
- Team leadership & development
- Performance improvement
- Sales & business growth
Strategic Advisory
- Business development
- Process optimisation
- Risk mitigation & controls
- Compliance & governance
Trusted consultant for leading global research & advisory firms
Working as a senior banking consultant on hourly basis.
Clerk to Chief Manager. One bank.
- 1992 – 1999ClerkState Bank of India · New Delhi
- 1999 – 2006Assistant ManagerSBI · Branch operations, retail & agri credit
- 2006 – 2011Deputy ManagerSBI · Credit lifecycle, KYC/AML, portfolio monitoring
- 2011 – 2015ManagerSBI · Branch operations excellence, MSME & agri credit
- 2015 – 2024Chief ManagerSBI · Head RACC Badaun · Assets Recovery Cell, LHO Lucknow · Merger Nodal Officer
- 2024 – PresentIndependent ConsultantGLG · Dialectica · Infollion · ARC Advisory · Cap Visio
Things I have actually done.
Cut NPA from 78% to 34% at LHO Lucknow — Head, Assets Recovery Cell.
Recovered and standardised ~₹230 Crore in stressed assets.
Sanctioned 1,762+ loans: 1,251 KCC · 198 renewals · 147 PBBU · 129 Mudra · 37 SME.
Merger Nodal Officer — integrated 32 associate bank branches into SBI.
Upgraded 3 branches from Grade B to Grade A audit with zero false RFIA complaints.
Mobilised ₹488 Cr in NRE deposits and ₹128 Cr in Supreme Court segment.
Why work with me?
- 32+ years of hands-on banking — not consulting theory.
- Proven turnaround record in recovery and risk.
- Practical, result-oriented solutions for your problem.
- Strong ethics, confidentiality and commitment.
- Measurable and sustainable business impact.
Value I deliver
Qualifications & recognition
Education
B.Com (Accounting) — Mahatma Jyotiba Phule Rohilkhand University, Bareilly (1990–1992)
Certifications
- • CAIIB — Certified Associate of Indian Institute of Bankers (both parts)
- • Finance of Mergers & Acquisitions: Valuation and Pricing
Honours
- • Professional Certification Excellence
- • Leadership in Portfolio & Governance
- • Credit Risk Optimisation
- • Asset Recovery & Risk Management Expertise
Languages
Hindi (full professional) · English (full professional)
How we work together
Ping me on WhatsApp
Send a short message with your problem. No forms. No wait.
Free 20-min scoping call
We talk. I ask sharp questions. You decide if I am the right fit.
Proposal & delivery
Clear scope, timeline and price. Then we get to work.
Common questions
Senior full-time roles with NBFCs, MNCs & ARCs.
If you are hiring a Head of Recovery, Head of Credit, or a senior banking leader — let us talk.
Let's connect
One message. That's all it takes.
Tell me your problem on WhatsApp. I will read it today and reply the same day.