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The bank also instituted a trust 'Abhay' for financial education and credit counselling, an initiative, first of its kind in India. He was the first chief of Gram Vikas Kendra at Bank of Baroda, at Pollachi, Tamil Nadu. Further, he is a postgraduate in agriculture science from Tamil Nadu Agriculture University, Coimbatore, South India.
The role of credit manager is variable in its scope and a Credit Managers are typically responsible for: [1] Controlling bad debt exposure and expenses, through the direct management of credit terms on the company's ledgers. Maintaining strong cash flows through efficient collections.
CRISIL, was the first credit rating agency in India, introduced in 1988 by the ICICI and UTI jointly with share capital coming from SBI, LIC and United India Insurance Company. In April 2005, US based credit rating agency S&P acquired the majority shares of company.
During 1999-2000, he transitioned to ICICI to lead their retail lending operations as they expanded beyond project lending. His responsibilities involved setting up the businesses, including all key functions related to strategy, team building, business relationships, credit policy, credit administration and risk management. [12] [13]
The Credit Managers' Index (CMI) is a monthly economic indicator of financial activity reflecting credit managers' responses to levels of favorable and unfavorable factors. The measure has been sourced in stories from publications such as the Wall Street Journal , CFO and Bloomberg .
Sharma started his career with State Bank of India (SBI) as a probationary officer in 1980 and served the bank till 2014. His last position in SBI was that of Chief General Manager for Patna Circle, comprising Bihar and Jharkhand. [3]
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