1. P. R. ACHARYA
E-Mail : pracharya1954@gmail.com
Address : 60, KAVYA, T.P.Kailasam Road
4th
Cross, 7th
Main,
Akshayanagar [East], Yelenahally
Bangalore – 560 068
Mobile : +919902266311
CAREER OBJECTIVE
To work in a managerial / executive / contractual capacity [full time / part-time / freelancer] in a
challenging and creative environment of a value driven organization where I can have an opportunity
to make use of my 37 years of experience in State Bank of India particularly in advances related issues.
EDUCATIONAL QUALIFICATION
INSTITUTION DEGREE
Poornaprajna Evening College, Udupi B.Com
Indian Institute of Bankers CAIIB-I
 Working knowledge in MS Word, Excel, Powerpoint.
 I have developed two softwares on Excel platform to process Personal Loan & SME/C&I Loans.
 The Personal Loan software is an all-in-one tool to process two types of Personal Loans. With
keying in minimum data, the software produces all the papers/documents including Credit
Scoring and Terms & Conditions Letter.
 The second software, popularly known as ABF-ACHARYA is a very useful tool for analyzing
Profit & Loss Statement, Balance Sheet with provision for analyzing data for the past 3 years
and future two years. It also compiles Funds Flow Statement, Holding Level of stocks,
receivables, etc. It helps in calculating DSCR, Break Even level, CVP analysis and a number of
important Ratios. Above all, it rates the Unit depending on the financial / non-financial
parameters as per the internal Credit Rating System of the Bank. The software is widely used
not only in the branches of SBI, but also in the associates of SBI and foreign offices of SBI.
 The modified version of the software based on the revised instructions of the bank was
released in April 2010 by Ms. Arundhati Bhattacharya, present Chairman of State Bank of India
who was then Chief General Manager of Bangalore Circle of the bank.
E-LITERACY

2. WORK EXPERIENCE
 Joined State Bank of India [SBI] on 28.04.1977 as Clerk-cum-Cashier and retired as Assistant
General Manager on 30.06.2014.
 Out of the 37 years and 2 months’ service in SBI, about 22 years I have handled all types of
credit portfolio, viz. Personal Loans, Housing Loans, Agricultural Loans, Loans to
manufacturing, trading, service, infrastructure sector and others.
 During my tenure in advances related postings, I have been responsible for both pre-sanction
and post sanction activities like meeting prospective borrowers, pre-sanction inspection,
processing loan applications, risk analysis, preparing loan proposals, presenting the proposals
to the respective sanctioning authority, documentation, disbursement, maintenance, follow
up and other such functions. Other responsibilities like follow up of NPAs, recovery through
soft and hard measures were also part of my duties in some of the postings.
 MAJOR ASSIGNMENTS :
[a] After my promotion to Junior officer cadre during 1984, till May 1992 I was handling small
value SME advances. Since June 1992 to May 1995 I was placed as Dy.Manager [Advances] –
Middle Management cadre, to handle high value plantation advances, mainly coffee,
cardamom, pepper, etc.
[b] From June 1995 to May 1997 I was placed in a SME intensive branch to handle medium –
high value advances comprising mainly medium scale manufacturing industries and trading
units.
[c] From June 1997 to May 2000, I was branch manager in two branches, where, apart from
being head of the branch, I was directly handling advances portfolio comprising mainly medium
scale manufacturing industries, trading units, housing finance, vehicle loans and other personal
segment advances.
[d] From June 2000, I was posted to an industrial finance branch as Manager [Credit], where I
used to handle large corporate accounts. The portfolio was around Rs.1600 crores comprising
mainly variety of medium to large scale manufacturing industries, trading units and
infrastructure industries.
[e] During May 2003, I was placed as Manager [Credit] in controlling office, where I had to look
after three major large corporate finance branches, where the aggregate portfolio was more
than Rs.6000 crores. My responsibilities at the controlling office to monitor the performance
of the three branches under my supervision, provide them proper guidance in respect of credit

3. related issues, vet the credit proposals submitted by these branches, present the proposals to
the respective sanctioning authorities and get the approvals etc. I was also monitoring /
guiding / involving myself in recovery of NPAs in these branches.
[f] I have started the Centralised Credit Processing Cell [CPC] for processing proposals from all
segments except Agricultural and Personal segments, at Local Head Office of SBI, at Bangalore,
in the year 2004, where I have worked in the capacity of Credit Analyst and also later as a Team
Leader. In CPC, application for loans above Rs.1.00 crore for Medium and Large Scale Units are
processed, presented to the respective sanctioning Committees and advise the branches the
decision of the Committee[s]. All the pre-sanction process except marketing is undertaken by
the CPC. CPC is also responsible for analyze the risk and rate the Unit as per the internal Credit
Risk Assessment system. The credit proposals used to be from large scale manufacturing
industries, mining, trading units, educational institutions, infrastructure developers, hydro /
wind / solar power generating units, commercial and non-commercial real estate developers,
hospitals & hospitality industry, etc.
[g] From June 2005 to May 2007 I was the Chief Manager [Branch Manager] in a hybrid branch
where apart from the responsibilities of branch head, I was handling credit portfolio of more
than Rs.500 crores, comprising medium scale manufacturing industries, trading units and one
large value term loan to a port trust.
[h] From June 2007 to August 2010, I was Chief Manager [Team Leader] in CPC, where the
responsibilities were as explained in para [f]. During this stint, I was entrusted processing a
proposal from a large scale dairy farm / plant. In this respect, I was deputed to Israel and
Riyadh to study similar units thereat.
[i] From September 2010 to October 2012, I was Assistant General Manager [Branch Head] in
a SME Branch, where the credit portfolio was above Rs.1500 crores, with zero NPA, comprising
finance to large scale manufacturing industries, educational institutions, hospitals & hospitality
industry, trading units, etc.
[j] I have also headed RASMECCC [Retail Asset and Small and Medium Enterprises Centralised
Credit Cell] at Mangalore, where Housing Loans, Car Loans, Educational Loans and SME Loans
upto Rs.1.00 crore are processed, sanctioned and maintained.
[k] I was posted as Assistant General Manager [Branch Head] to one of the iron ore mining area
branches to effective follow up of large amount of NPAs and to consolidate the position at the
branch. During my short stint of about 7 months in that branch, as there was no scope for soft
recovery due to ban on mining, I had to adopt hard recovery measures, results of which yielded
after my departure from the branch.

4. [l] During January 2014, I was transferred to an administrative office at Bangalore as Assistant
General Manager [Credit] at Stressed Assets Management Regional Office [South], controlling
14 Branches spread over in Karnataka, Kerala, Tamilnadu & Andhra Pradesh. My assignment
was to supervise the performance of these Stressed Assets Management branches, provide
guidance and analyze / accord administrative approvals and / or recommend to respective
approving authorities the proposals received from these branches for soft / hard recovery
measures, restructuring, settlement of dues under compromise, etc. of NPAs. I retired from
bank’s service on attainment of superannuation on 30.06.2014.
I have left my mark in whichever branch / office of the bank where I was placed with my innovative
thinking, motivation and hard working.
 Apart from the above, I have been a regular visiting faculty to Training Centres of the Bank in
Bangalore, Dharwad, Noida, etc., and also to Bankers’ Institute of Rural Development at
Mangalore, mainly to conduct sessions on Balance Sheet Analysis, Ratio Analysis, Credit Rating,
Housing Finance, etc.
PERSONAL
 Father’s name Mr. P.V.Acharya
 Date of Birth 10.06.1954
 Hobbies Listening to music / Reading / Developing MS Excel based softwares.
 Marital Status Married.
 Languages Known English, Hindi, Tulu, Kannada