Ashwani Kumar Tiwary
Functional Areas
Education
IIM Indore
MBA
2025-26
Jamshedpur Cooperative College
MSC-Mathematics
2013-15
Jamshedpur Cooperative College
BSC-Mathematics
2010-13
Accomplishment
Asset Quality Improvement
Managed ₹454 Cr NPA Portfolio, achieving a ₹114 Cr reduction (114 % of FY recovery Targets) through focuses SARFAISI actions, DRT proceedings, and strategic recovery planning.
Loan Portfolio Growth
Spearheaded credit portfolio growth from ₹78 Cr to ₹124 Cr (+58 %) through strategic acquisition and collaboration with CA Community. Implemented Project WAVE (E-BG).
SHG Credit Enablement
Facilitated 2335 SHG credit linkage (+300%) through MOU with JSLPS, recognized by the Jharkhand Govt. as Best Bank for SHG Credit linkage.
Certification
Introduction to Corporate Finance
Introduction to Corporate finance” course offered by Wharton School, University of Pennsylvania through Coursera equips individuals with financial principles such as time value of money, risk-return trade-off, and valuation, required for developing analytical thinking and decision-making in corporate finance.
2025
JAIIB
The JAIIB certification provides foundation knowledge in banking, covering principles of banking, accounting, legal aspects, and customer service, essential for effective banking operation and decision making.
2023
Certification course in Credit Management
The Certified Credit Professional program by NIBM equips holders with comprehensive skills in credit appraisal, financial statement analysis, and credit risk management required for assessing and managing credit across retail, agriculture, and MSME finance.
2022
Certification course in Digital Banking
The certified Digital Banking program by IIBF equips professionals with essential knowledge of digital banking products, payment systems & fintech, enabling to navigate and manage digital banking operation effectively.
2021
Experience
Indian Bank
22 Months
Manager | NPA Portfolio Management
Jul' 23 - Apr' 25
Led 3-member team for recovery measures, achieving 114% of FY23-24 target (Rs. 78 Cr) and Rs. 42 Cr in 3 quarters for FY24-25. Leveraged Power BI/SQL for data analysis. Implemented a collaborative integration model with CGTMSE & NCGTC Trust, recovering Rs. 13 Cr within 90 days. Reduced NPA portfolio from Rs. 454 Cr to Rs. 324 Cr.
Indian Bank
1 Years 4 Months
Assistant Manager | Credit Officer
Mar' 22 - Jun' 23
Grew advance portfolio from Rs. 78 Cr to Rs. 124 Cr (58% growth). Used CRM analytics/RAC methodology for acquisition strategy. Implemented E-BG tool under Project Wave, boosting NFNI income by 115%. Used Risk Assessment Model (RAM) for credit risk, reducing loan process time by 50%.
Indian Bank
1 Years 4 Months
Assistant Manager| Agriculture Credit-Desk officer
Oct' 20 - Feb' 22
Facilitated MoU with JSLPS for SHG credit linkage. Linked 2,335 Self Help Groups, achieving 300% growth from the base figure of March,21and recognized as Best performing bank by Jharkhand state Government. Collaborated with NABARD for food processing unit financing.
IMS Learning Resource Private Limited (Jamshedpur Centre)
2 Years
Faculty for Quantitative Aptitude
Oct' 18 - Sep' 20
Curated and delivered specialized instruction in Quantitative Mathematics. 30% of batch achieved above 95 percentiles in CAT, 60% above 75 Percentile. Innovated engaging lesson plans and instructional materials.