I am a Manager at Indian Overseas Bank, one of the leading public sector banks in India, with over eight years of banking experience in different sections and locations. I hold the Financial Risk Manager (FRM) by GARP and the Certified Associate of Indian Institute of Bankers (CAIIB) credentials, which reflect my high level of proficiency and knowledge in banking and risk management. My core competencies include financial risk assessment, credit appraisal, ratio and trend analysis, projection of cash flows, examination of collaterals, restructuring of loans, and initiating recovery process. I work with internal and external stakeholders, such as customers, businesses, regulators, and auditors, to ensure the soundness and profitability of the bank's retail portfolio, while complying with the relevant policies and standards. I am passionate about applying my skills and expertise in core finance and risk management, and I am eager to take on new challenges and opportunities in this field.