P. Govinda Rao has over 37 years of experience in banking, including 27 years of experience leading branches across India as Branch Head. He most recently served as Deputy General Manager and Head of Credit Monitoring at Indian Bank's corporate office, overseeing credit appraisal and monitoring across the bank. He has expertise in credit assessment, loan sanctioning, business development, and customer relationship management.

1. NAME: P. Govinda Rao
• : govindaaa7@yahoo.co.in, : +91-9133714615
: H. No. 79/144B, Krishna Nagar, Kurnool, Andhra Pradesh,
~Financial & Banking Development / Credit Appraisal & Monitoring / Administration
Profile Snapshot
•A dynamic professional with over 37 years of experience in Branch operational and Corporate Banking ,
Expert in Credit Appraisals, FX Business, Sanction of retail and corporate loans, Business Development
and Customer Relationship Management.
•Previously associated with Indian Bank corporate office Chennai as Deputy General Manager – PAN
India Head for Credit Monitoring.
•Proactive in assessing the Credit needs of Retail, business, corporate clients and sanctioning of loans
and effectively monitoring without allowing slippages and timely interventions with developmental
business objectives.
•Proficient in identifying credit needs for all levels of customers with various business models and
analytics for existing level and for future needs.
•An exemplary leader in leading a team of different cultural/religious/geographic/educational
background functionaries into a single fabric for business development, achievement of set targets
besides experience of developing procedures and standards for competitive operational excellence.
•Holds strong business acumen with 27 years expertise as Head in Branch/operational banking
implementing various models of business development procedures, channelling deposits with
dedicated service to customers as per Govt guidelines with effective customer communication .
•Adoptable in Heading each of the designated branches pan India converting as separate profit centres;
excellent in planning and executing business expansion projects (retail and corporate sales).
•I am an effective communicator with excellent relationship building & interpersonal skills with Top
Management/ Co-workers and with Clients with strong analytical, problem solving, redressal ability &
organizational abilities.
Core Competencies
Corporate Planning To Increase Client Base Optimum use of HRM
Focus on Development Strengthening Team spirit Smooth Operations
Target Achievements Optimum Performance Consistent Development
Work Experience
Since Nov 1978 up to June 2015 with Indian Bank.
Retired as Deputy General Manager, CMC, Corporate office Chennai
Key Result Areas:
•Branch Head for the past 27 years in 10 branches Pan India.
•Preparing strategies for achievement of various deposit, credit and profitability annual targets.
•Mobilisation of low cost and no cost Deposits as resources for developing the branches as profit
centres.
•Marketing and sanctioning loans and advances i.e. credit portfolio, balancing sector wise like
Agriculture, SSI, industrial, infrastructure both retail and Corporate proposals.
•Analysing loans and advances health wise monitoring timely repayments maintaining the quality of
Assets. And devising various strategies for recovery by fallow up, inspecting periodically and taking up
legally if necessary.
•In case of bigger advances above 5 crores reporting under CRILIC to Reserve Bank of India ensuring to
report under CIBIL/ RBI Defaulters list and where CDR required, taking up with CDR Mechanism.
PREVIOUSLY
ASSOCIATED WITH
1.Branch Management
and Administration.
2.Credit specialist in
sanctioning big above
5.00 cr proposals.
3.Credit monitoring to
maintain quality of assets.
4.Coordinating various
departments like credit
inspection,legal,NPA .

2. Prior Experience
NOV1978 TO JUNE 2015 WITH INDIAN BANK, CHENNAI, PAN INDIA POSTINGS
Growth Path:
Nov’1978-April’1986: Asst Manager, at Jodhpur, Jullundur, Indore, Bhopal and Kurnool
April’1986-Nov’1995: Branch Manager, at Kallur, Prodatur, Mahaboob Nagar, Karvet Nagar, Nandyal
Nov’1995-Feb’2010: Senor Manager, at Hyderabad, Anantapur, Chittoor, Begumbajar Hyderabad
Feb’2010- May’2012: Chief Manager, at Begum pet Hyderabad
May’2012-June2014 at Vileparle Mumbai Branch as
Assistant General Manager
June’2014-June’2015 at Indian Bank Corporate office Chennai as
Deputy General Manager, CMC, Pan India Head
IT Forte
•Conversant with MS Office (Excel & PowerPoint).
Education
•M Com from Sri Venkateswara University Tirupati Andhra Pradesh in 1977.
Certifications
•Certified Associate of Indian Institute Of Bankers ,Mumbai in 1983,
•Besides the above I have received various trainings from Image Chennai (in-house) a world class
institute for Bankers in foreign exchange, Rural Banking, SME, Credit appraisals, Credit Monitoring,
Human Resources, executive development programmes conducted by successful top Indian
academicians and management Gurus.
Personal Details
Date of Birth: 20th
June, 1955
Languages Known: English, Hindi and Telugu
Permanent Address: H.No # 79/144B, Krishna Nagar, Kallur Mandal, Kurnool, 518002, A.P
Best Branch Manager
during 1999 to 2003
Anantapur in Chittoor
Zone.
Best AGM OF Vile parle
branch in Mumbai ZONE
IN 2013 TO2014