Prabhat Kiran
Chief Manager @State Bank of India
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WORK HISTORY
Chief Manager @State Bank of India
Varanasi, IN
As Chief Manager (SMGS-IV) at State Bank of India, responsible for overseeing credit processes, asset quality monitoring, regulatory compliance, and implementation of government-sponsored lending and financial inclusion initiatives.Key Responsibilities:• Credit appraisal, loan structuring, and portfolio monitoring across retail and MSME segments• Stressed asset management, NPA recovery through SARFAESI, restructuring, and negotiated settlements• Financial statement analysis, risk rating, and collateral evaluation of borrowers• Strengthening internal controls, audit readiness, and adherence to RBI guidelines• Supervision of loan documentation, disbursement, and post-sanction monitoring• Coordination with auditors, regulators, and controlling offices for statutory compliance• Implementation of government-sponsored credit schemes for priority and MSME sectors
EDUCATION
St. Michael's High School - India
12th, Science
Inderprastha Engineering College
Bachelor of Technology (B.Tech), Electronics and Communication Engineering
ICFAI University
Master of Business Administration (MBA), Banking and Finance
SKILLS
ABOUT PRABHAT KIRAN
With over 14 years of banking experience, including 2+ years as Chief Manager at State Bank of India, my work focuses on credit processes, asset quality monitoring, regulatory compliance, and implementing government-sponsored lending initiatives. My role emphasizes structured and inclusive lending to support financial inclusion and economic development while maintaining operational rigor. Proficient in credit appraisal, loan structuring, financial statement analysis, and NPA recovery, I contribute to the bank\'s mission of ensuring responsible credit expansion. Committed to regulatory compliance and asset quality, I aim to empower businesses and individuals through effective credit solutions.
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