Mr. C K Guha

Mr. C K Guha

Mr. C K Guha an Ex-Banker with niche experience of 26 years in State Bank of India and 7 years in Dhanlaxmi Bank with demonstrated performance record in Corporate & SME Banking; Project Finance; NPA Management and Debt Restructuring with focus on:

• Credit functions: Credit Appraisal and Risk Analysis, Credit Monitoring and setting-up Credit Policy framework.
• NPA Management and Re-structuring: NPA resolution, Debt & Capital re-structuring, dealing with CDR Forum, BIFR, Asset re-construction, Securitization and strategic mergers, asset sale to ARC, recovery through legal means.

 State Bank of India (1981 to 2007):

Mr. Guha, a post graduate in Statistics & Economics commenced his carrier as Probationary Officer at SBI. His association with SBI over 26 years with excellent track record in Corporate and SME Banking with in-depth experience in Banking operations, Credit, NPA control, Re-structuring, BIFR, revivals, Securitization, Recovery. Mr Guha played an important role in investment Banking, Commercial banking and in NPA Management and SME portfolio at SBI. Highlights of his responsibilities are as follows: –

Investment Banking: 

• Asset Backed Securitization and Financial Re-structuring
• Loan Syndications and Structured Lease Finance deals
• Project Finance

Commercial Banking:

• Responsible for Credit Appraisal & Monitoring for diverse portfolio of Engineering, Leather, Agro Industry, Hospitality.
• Corporate and SME Finance portfolio in Commercial Department at LHO.
• Head of SME SBU in a Circle with network of 300 branches.
• Head of an Export Finance Branch.
• Trade Finance – Domestic & International.
• Formulating Loan Policy and Credit framework.

Loan Policy & Macro Environment:

• Setting up of Credit Risk and NPA management framework for SBI.
• Macro initiative for implementation of SARFAESI Act.
• Evolved business model for financing Software Industry for RBI.
• Developed financing products for Software, Sugar and Industry.                                                          

NPA  Management and SME portfolio

• Implemented process and execution structure for NPA control.
• Debt & Capital re-structuring and asset re-construction.
• Dealing with BIFR cases.
• Asset Revival and Re-construction.
• Recovery through legal means.

Dhanlaxmi Bank (July 2007 to June 2014)

Mr. Guha joined Dhanlaxmi Bank in 2007 and retired in 2024 from the post of Executive Vice President in 2014.  At Dhanlaxmi Bank his responsibilities, included, inter alia, Loan Monitoring, Stressed Assets Management, NPA Resolution, Debt Restructuring (including CDR), legal recovery along with business responsibilities for deposit and orderly credit expansion. The key responsibilities of Mr. Guha at Dhanlazmi Bank were :-

Key Responsibilities:

• SME Finance portfolio.
• Set up Trade Finance operations.
• Design and execution of Governance & operating structure for Credit Risk Management.
• Negotiating Strategic tie ups.
• Stressed Asset & NPA Portfolio monitoring
• Strategic portfolio sale to ARCs

Key Contributions

• Acquired significant value of new to Bank clients and executed their loan appraisal and delivery process matching industry best practice.
• Operational & Business Control of West & North Zones.
• Managed Credit Risk, Credit Administration and Stressed Assets Control.
• Focused responsibility for NPA Control, Restructuring
• To represent Bank in CDR Group.
• Execution of Rights Issue of the Bank in 2008. 

Major Stressed Assets handled:

1. Core Education (Mumbai)
2. Shree Ganesh Jewellery (Kolkata)
3. Parikh Aluminex (Mumbai)
4. Coastal Projects (Hyderabad)
5. Era Infra (Delhi)
6. REI Agro (Delhi)
7. Taj Gateway Hotel (Kolkata)
8. Duplex Wires (Pune)
9. Spandana Sphoorthy Microfinance (Hyderabad)
10. Gitanjali Exports (Mumbai)