PRANJAL BORAH
Cluster Risk Manager
Jorhat,AS
Summary
Professional Summary
Experienced finance professional with over 10+ Years of experience in financial analysis, operations and risk/audit domain. Proven track record in conducting risk-based audit, fraud recoveries, operation and analysis. Seeking to leverage strong leadership skills and expertise in an organization of high repute.
Overview
9
9
years of professional experience
19
19
years of post-secondary education
Work History
Cluster Risk Manager
L&T FINANCIAL SERVICES
Jorhat, Assam
07.2019 - 09.2021
- Co-ordinate with branches and other business departments and support units on investigations and to implement the anti-fraud or corrective measures
- Undertake risk control, Fraud Control, Investigations Field Verifications activities in the allocated area and recovering of the fraudulent amount
- Pre-disbursement sample verification for checking authenticity of documents and sample checking through borrower visits
- Preparation of Investigation report of all frauds detected and to submit the same within TAT to central team
- Ensuring all renewals of Shop Act Licenses & Trade License of all MCs
- Implementation of company policies guidelines rules & regulations related to office workings at the assigned locations
- Act as a coordinator between locations & HO by ensuring pending issues / matters are resolved within a suitable & tolerable TAT
- Travel to assigned locations frequently for inspection & having update on all fraud activities and also liaising with local police station for fraud recovery along with PR and legal
Customer Relationship Manager
UJJIVAN SMALL FINANCE BANK
12.2017 - 07.2019
- Actively drive acquisition of customers for unsecured loans (GL and unsecured IL) and liabilities portfolio
- Responsible for business development of a branch by acquiring new customers and retaining the old ones
- Assess the market potential and give feedback on product modification and new product development to the regional product teams
- Undertake initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities
- Conduct area surveys for potential business expansion
- Managing the branch & field operations of the branch which requires strong process management as per field operations manual.
ANALYST
ACCENTURE SOLUTIONS PVT LTD
05.2017 - 12.2017
- Project: Janalakshmi Financial Services (MFI, Branch in Charge (BIC)
- Review of Cash Management at JC which includes monitor of suspense cash, remit cash to CMS, updating cash registers, fake currencies detection and also on account closure (pre close & foreclose)
- Monitor the daily remittance by individual loan customers
- Cost management and cost effectiveness at the JC to ensure profitability, also ensure that JC adheres to the Know Your Customer (KYC) and Anti Money Laundering (AML) norms at all times
- Responsible for dealing with external and internal auditors and inspections and compliance
ANALYST
STANDARD CHARTERED GLOBAL BUSINESS SERVICES
CHENNAI
07.2015 - 03.2017
- Process: Transactions Monitoring Unit and AML
- Exposure in handling KYC processes for Corporate & Investment Banking clients and apply relevant country specific standards
- Experience with OFAC sanctions / pep / adverse media screenings
- Perform the required KYC Recertification on customers documenting the information obtained on the clients as required by global KYC procedure
- Well versed with KYC and AML Regulatory guidelines
- AML and terrorist financing surveillance skills in relation the respective country jurisdictions, and client types
ANALYST
WIPRO BUSINESS PROCESS OUTSOURCING, BARCLAYS BANK
CHENNAI
02.2012 - 06.2015
- Determined and implemented additional steps, validating KYC risk compliance based on research of customer records, verification of account purpose and legitimacy, preparation of Sub accounts & Products for the Clients
- Conducted reviews of client documentation and information obtained by client contacts within the business units
- Reviewing and updating KYC files with missing and updated information to satisfy compliance requirements
- Performed Enhanced Due Diligence on customers deemed high risk, and suggested account restrictions and/or account closures based on risk to the institution
Education
BE - ELECTRONICS N COMMUNICATION
SVCET, ANNA UNIVERSITY
07.2009 - 03.2012
DIPLOMA DECE -
GOVERNMENT POLYTECHNIC COLLEGE
07.2006 - 04.2009
12TH SCIENCE -
ST EDMUNDS COLLEGE
06.2004 - 04.2006
10TH -
MeSEB Secondary School
Shumer 04.1992 - 04.2004
Skills
Risk mitigation
Fraud Investigation
Organization and Time Management
Training and Development
Life insurance
Health insurance
Policy renewals
Additional Information
Insurance advisor with code no :SLI991437718 of SBI Life and Star Health
Timeline
Cluster Risk Manager
L&T FINANCIAL SERVICES
07.2019 - 09.2021
Customer Relationship Manager
UJJIVAN SMALL FINANCE BANK
12.2017 - 07.2019
ANALYST
ACCENTURE SOLUTIONS PVT LTD
05.2017 - 12.2017
ANALYST
STANDARD CHARTERED GLOBAL BUSINESS SERVICES
07.2015 - 03.2017
ANALYST
WIPRO BUSINESS PROCESS OUTSOURCING, BARCLAYS BANK
02.2012 - 06.2015
BE - ELECTRONICS N COMMUNICATION
SVCET, ANNA UNIVERSITY
07.2009 - 03.2012
DIPLOMA DECE -
GOVERNMENT POLYTECHNIC COLLEGE
07.2006 - 04.2009
12TH SCIENCE -
ST EDMUNDS COLLEGE
06.2004 - 04.2006
10TH -
MeSEB Secondary School
04.1992 - 04.2004