Mr. Darshana Ratnayake possesses over 31 years of experience as a Banker of which the last 7 years was as a member of the Corporate Management of two banks namely, NDB Bank and Cargills Bank. His immediate past appointment had been as the Chief Commercial Officer of Cargills Bank where he headed the SME and Retail Banking portfolios as well as the marketing aspects of the Bank. Prior to that he had been at Senior Management level for 3 years. He is well versed in all areas of Banking especially Retail, Agri Microfinance, Corporate and SME credit. He has been in integral part of critical committees of Banks including ALCO, Strategic Committees, Credit Committees and HR Committees. He has a proven track record in private and priority banking, sales team management and setting up and managing Credit facilities. He has also been at the forefront of technology and payment strategies at several Banks. He has extensive experience in bank branch network management. He also possesses international qualifications in SME credit evaluation and credit risk management. He counts Human Resources management as a core competency. Mr. Darshana Ratnayake has also served as a Director of NDB Wealth Management (Pvt) Ltd.