Amitabh Gogoi
Kolkata
Summary
Dynamic banking professional with extensive experience at IDBI Bank Ltd, excelling in cash management and customer service. Proven track record in credit analysis and NPA recovery, leveraging strong analytical skills and effective communication to enhance client relationships. Recognized for innovative solutions and collaboration with RBI, driving operational success and client satisfaction.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Branch Operation and Support/ Currency Chest
IDBI Bank ltd
05.2023 - Current
- I have experience working with the RBI Issue Department and have gained experience in cash management for the bank.
- Have knowledge about various RBI applications, like E-Kuber.
- I have received appreciation from clients like SBI, Standard Chartered Bank, and Bank of Baroda for the diversion of cash to various locations as per client requirements.
- Have received incentives from RBI for the bank for distribution of coins and remittance of soiled notes in various locations as per order from RBI and collaboration with State Police.
- I have raised GST invoices to the RBI for the clearance of payment bills.
- I attended various seminars held by the RBI for the detection of fake notes and FICN reporting through portals maintained by the bank and the RBI.
Retail Banking
IDBI Bank ltd
07.2014 - 05.2023
- Resolved customer service issues like RTGS, NEFT, SWIFT, cheque payments, and cheque truncation systems, opened new accounts, offered innovative solutions to customers as per their needs, and helped the branch meet sales targets, contributing to the success of the bank by building customer loyalty and relationships.
- Helped clients identify their financial needs. Performed the research necessary to solve problems and resolve queries for the customers.
- Screened and verified the eligibility and identification of new customers in accordance with bank policies and regulatory requirements.
- I have experience in credit analysis for the proper selection of customers applying for various business loans, housing loans, auto loans, JLGs, SHGS etc.
- I have experience with trade finance products, like bank guarantees.
- I have experience as an asset officer for the bank, as well as knowledge and experience of loan products, including Agri, MSME, and Structured Retail Asset products.
- Verification of GST returns and ITR, balance sheet verification.
- I have experience in NPA recovery and the settlement of NPAs for the bank through One Time Settlements, Sarfaesi, Money Suits, Title Suits, and Lok Adalats.
- Have knowledge about various software used in banks, such as Finacle, and other loan applications used by the bank.
Tata Consultance Services
09.2010 - 10.2011
- BPA (Business process analysis): Designed Business Process Model for USAA Bank and organized business flow operation for bank
- ATM Locator: Designed and tested ATM locator digital application for USAA Bank.
- FATCA: In this project we had to develop and test software to accurately identify accounts and collect necessary data and submit the same to Transunion, Experian and Equifax for Credit Risk Assessment.
Education
B.tech -
SRM
01.2010
12th -
CBSE
01.2005
10th -
CBSE
01.2003
Skills
- Microsoft Excel
- Python
- SQL
- Microsoft Power BI
- JIRA
- FINACLE
- Loan Applications
- Java
- MS Office
- Core Banking Systems
- Business Process Modelling
- Cash management
- Credit analysis
- Regulatory compliance
- Trade finance products
- Loan processing
- Customer relationship management
- NPA recovery
- Financial analysis
- Effective communication
- Time management
- Written communication
- Risk assessment
- Multitasking
- PPE use
- Quality assurance
- Communication
- Teamwork and collaboration
- Customer service
Accomplishments
- Received award from Deputy Commissioner, Tezpur on behalf of the bank for highest Agri loan/PSL Loan disbursement while working as an Asset Officer for the bank.
- Improved asset portfolio, especially in the MSME and structured retail asset sector of the retail branch in Sibsagar, while posted, and received praises from a certificate of appreciation from the bank
- Received several certificates of appreciation for the sale of third-party products for the bank
- Received appreciation for the reduction of NPA and the settlement of bad debts through Lok Adalats and One Time Settlement Schemes, as per bank guidelines
Handheld
+91 8011110436
Passport Status
Available
Key Strengths
Being patient in pursuing routine jobs
Personal Characteristics
- Possess qualities like Team Spirit, Discipline, Leadership and Punctuality
- Relish challenges in all endeavors.
- Always strive for improvement
Languages
- Hindi
- English
- Assamese
- Japanese
Extracurricular Activities
Completed IRDA certification and licensing for third party product distribution for the bank., Worked together with various government agencies like NABARD, KVIC/DIC, RBI and other Govt Banks etc., Completed courses on Financial Analyst and Business analysis through online courses., Experience in handling balance sheets, profit and loss statements of clients for appraisal of loans during credit analysis., Basic programming language knowledge of Python, SQL and Intermediate usage of Microsoft Excel., Playing Piano, Guitar and learning music theory., Good communication skills and ability to multi-task in tough situations., Attention to detail and quality of work.
Certification Training
- Fundamentals of Financial Analysis – Coursera
- Microsoft Excel, Power BI
- Data Analysis and Presentation
- Business Process Modelling
- JIRA
- SQL
- Python
- IRDA Certification – Third party bank products
- KYC & AML Compliance training.
- Cyber Security Basics
- MSME & Agri Fraud Prevention and Management
- Credit Analysis.
Personal Information
- Father's Name: Biman Gogoi
- Mother's Name: Rekha Gogoi
- Date of Birth: 12/22/86
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Certification
· Fundamentals of Financial Analysis – Coursera
· Microsoft Excel, Power BI
· Data Analysis and Presentation
· Business Process Modelling
· JIRA|SQL|Python
· IRDA Certification –Third party bank products
· KYC & AML Compliance training.
· Cyber Security Basics
· MSME & Agri Fraud Prevention and Management
· Credit Analysis.
Languages
Assamese
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Timeline
Branch Operation and Support/ Currency Chest
IDBI Bank ltd
05.2023 - Current
Retail Banking
IDBI Bank ltd
07.2014 - 05.2023
Tata Consultance Services
09.2010 - 10.2011
B.tech -
SRM
12th -
CBSE
10th -
CBSE
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