Cheda
Deothang Gewog,Bhutan
Summary
Dynamic and performance-focused banking executive with over 16 years of progressive experience at Bhutan Development Bank Limited (BDBL), driving results across credit and investment operations, financial management, risk management, and strategic leadership. Adept at steering branch operations, resolving non-performing loans, and formulating growth strategies aligned with rural development missions. Renowned for leading high-impact teams, optimizing financial performance, and surpassing institutional goals. Recognized through multiple performance incentives for excellence in execution and leadership.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Chief Manager
Bhutan Development Bank Limited, Thimphu Main Branch
07.2021 - 05.2023
- Spearheaded strategic business planning to meet financial goals and market expansion. Oversaw credit appraisal and risk assessment processes, reducing NPAs. Managed day-to-day branch operations ensuring compliance and service excellence. Led and mentored staff, conducted financial planning and management, financial performance reviews, and promoted a culture of growth. Strengthening customer relationships and business acquisition.
Dy. General Manager – Corporate Clients & Credit Unit
Bhutan Development Bank Limited, Thimphu Main Branch
12.2019 - 06.2021
- Managed high-value corporate client portfolios and assessed loan risk. Member of the Branch Credit Committee, guiding investment proposals. Chaired NPL recovery committees and set strategic directions.
Branch Manager
BDBL, Pemagatshel & Trashiyangtse Branch
01.2012 - 12.2019
- Directed branch credit services and day-to-day operations. Served as liaison between branch staff and head office/regional stakeholders. Implemented customer-centric lending models and improved efficiency.
Assistant Branch Manager
BDBL, Pemagatshel Branch
05.2008 - 01.2012
- Supervised teams, led loan committees, and supported credit evaluation. Acted as Branch Manager during transitional phases.
Trainee Officer
BDBL, Pemagatshel Branch
05.2007 - 05.2008
- Conducted credit assessments, loan monitoring, and rural financial outreach.
Education
Bachelor of Commerce (Hons) -
Sherubtse College
01.2006
Higher Secondary - Commerce
Gyelpozhing Higher Secondary School
01.2003
MBA - Business Administration
Murdoch University
Perth, WA08-2025
Skills
- Strategic Leadership & Branch Operations and management
- Credit decision and financial risk management
- Business Planning & Financial Management and report
- Customer Relationship Management
- Well experienced in financial policies and regulations
Certification
- Credit Risk Management – Bangkok School of Management, Thailand.
- Non-Performing Loan Management – Malaysian Institute of Management.
- Advanced MS Excel – Royal Institute of Management, Bhutan.
- Marketing management- Royal Institute of Management, Bhutan.
- Effective Branch Management – NIBM, Pune, India.
- Asset- Liability Management – BASIX, India.
- The 7 Habits of Highly Effective People- IMS, Bhutan
- Team Skills for Happy Organization- IMS, Bhutan
- Capacity building for Micro- Finance- UNDP & BDBL.
Timeline
Chief Manager
Bhutan Development Bank Limited, Thimphu Main Branch
07.2021 - 05.2023
Dy. General Manager – Corporate Clients & Credit Unit
Bhutan Development Bank Limited, Thimphu Main Branch
12.2019 - 06.2021
Branch Manager
BDBL, Pemagatshel & Trashiyangtse Branch
01.2012 - 12.2019
Assistant Branch Manager
BDBL, Pemagatshel Branch
05.2008 - 01.2012
Trainee Officer
BDBL, Pemagatshel Branch
05.2007 - 05.2008
Higher Secondary - Commerce
Gyelpozhing Higher Secondary School
Bachelor of Commerce (Hons) -
Sherubtse College
MBA - Business Administration
Murdoch University