Tushar User
@tusharuser2
I build credit risk and portfolio insights across SME, agricultural, and retail lending.
IndiaWhat I'm looking for
At State Bank of India, I lead the Sterling Hospital Area Branch in Rajkot, managing INR 289 crore in deposits and advances while overseeing credit appraisal, portfolio monitoring, recovery, compliance, and delivery across retail, SME, and agricultural banking.
I've processed high-volume agricultural credit, grown SME and agricultural advances, and built Python, SQL, and Power BI analyses for portfolio segmentation, default ranking, profitability diagnostics, and risk reporting. I bring hands-on lending experience and analytical projects using Logistic Regression, XGBoost, SHAP, and configurable risk segments to strengthen underwriting and portfolio decisions.
Experience
Work history, roles, and key accomplishments
Scale III Branch Manager
State Bank of India
Jul 2026 - Present (1 month)
Managed INR 289 crore in branch business comprising deposits and advances, accountable for growth, asset quality, and compliance. Led credit appraisal, monitoring, and recovery execution across retail, SME, and agricultural banking.
Processing Officer
State Bank of India
Jun 2023 - Jun 2025 (2 years)
Processed an INR 156+ crore agricultural credit pipeline comprising 2,466 files, covering appraisal, documentation, and policy compliance. Supported 100%+ SME growth and received recognition for high-volume processing performance.
Credit / Field Officer
State Bank of India
Jan 2021 - Jun 2023 (2 years 5 months)
Grew SME advances by 86% and agricultural advances by 18%, ranked second in Gujarat for KCC performance. Managed 400+ gold-loan accounts and contributed to home-loan and retail-advances growth.
Probationary Officer
State Bank of India
Jan 2019 - Jan 2021 (2 years)
Completed rotations across four branches spanning banking operations and SME, retail, and agricultural credit.
Education
Degrees, certifications, and relevant coursework
Punjab Technical University
Bachelor of Technology, Mechanical Engineering
Completed a Bachelor of Technology in Mechanical Engineering.
Availability
Location
IndiaAuthorized to work in
Job categories
Skills
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