Debojyoti Mukherjee
Cluster Credit Manager
Navi Mumbai
Summary
To ensure optimum utilization of my skill by applying in an organization where there is a need for analyzing and interpretation of various reports arising out of different scenarios.
Overview
10
10
years of professional experience
1
1
Certification
3
3
Languages
Work History
Cluster Credit Manager
Piramal Finance Ltd.
05.2023 - Current
- Manage credit assessment and approval processes across 4 branches in Navi Mumbai region with an ATS of 17 lakhs upto 10 Cr in mortgage. Also, have handled business loans upto ticket size of 50 lacs.
- Ensure adherence to credit policies, regulatory standards, and audit requirements.
- Lead and mentor a team of 4 credit managers to enhance underwriting quality and risk control.
- Coordinate with business teams to achieve disbursement targets while maintaining low NPAs.
- Conduct portfolio reviews and initiate corrective actions for delinquent accounts.
- Streamline credit processes to improve efficiency and reduce turnaround time.
Area Portfolio Manager
ICICI Home Finance Company Ltd.
11.2021 - 03.2023
- Underwriting & Disbursement of Home loans & LAP proposals for SENP, Salaried and NRI customer profile with ticket size Rs 25 lacs to 500 lacs ensuring compliance and process adherence, currently handling NDMA channel cases across Mumbai region.
- ATS of 50 lacs and recommending cases with sanction authority of cases upto 100 lacs with Level 2 deviation as per management guidelines.
- Managing Portfolio Quality and responsible for collection of cases falling in bucket X to NPA meeting expected targets as set by Management with direct reporting of the branch Portfolio team.
- Handling concurrent Audits & Hind sighting resolutions for the disbursement cases.
- Monitor and enforce approval rate and TAT as per prescribed standards.
Territory Portfolio Manager
ICICI Home Finance Company Ltd.
03.2019 - 10.2021
- Underwriting & Disbursement of Home loans & LAP proposals for SENP profile from ticket size Rs 5 lacs to 250 lacs ensuring compliance and process adherence. ATS 50 lacs and recommending cases as per management guidelines.
- Managing Portfolio Quality and responsible for collection of cases falling in bucket X to NPA meeting expected targets as set by Management.
- Vendor Management, TAT, Process Adherence and Process Improvements and cost management including recommendation towards policy and process.
- Managing Concurrent Audits & Hind sighting resolutions for the disbursement cases of the branch.
- Managing turnaround time and file quality of the hub location.
- Providing customer service to prospective and existing borrowers keeping the customer informed of loan status.
- Also handling non-mortgage products like FD, Insurance.
- Monitor and enforce approval rate and TAT as per prescribed standards.
- Managing the branch team with a direct reporting of a Portfolio Manager.
Branch Credit Manager
Indiabulls Housing Finance Ltd
01.2018 - 03.2019
- Collection of required information/Interview of the customer. Assessment of income. Verification and Authentication of income proof submitted by the customer. Residence and employment verification of loan application.
- Review, examine and underwrite loans to ensure soundness, business value and compliance with standards.
- Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position.
- Conducting SENP PD for HL, upto ₹ 1 Cr ticket size
- Recommending cases as per management guidelines.
- Monitor and enforce approval rate and TAT as per prescribed standards.
- Managing turnaround time and file quality of the hub location. -Providing customer service to prospective and existing borrowers keeping the customer informed of loan status.
Branch Credit Manager
DHFL (Dewan Housing Finance Corporation Ltd.)
06.2015 - 01.2018
- Processing of home loan applications after scrutinising income documents.
- Conducting SENP PD for HL, upto ₹ 50 lakhs ticket size.
- Sanction rights of salaried cases upto ₹ 30 lakhs with discretion authority upto level 2.
- Determine appropriate recommendations subject to management and underwriting guidelines.
- Review and analyze special conditions, loan deficiencies and exception-requests to determine appropriate course-of-action.
- Maintaining current knowledge of market conditions and company lending guidelines. - Maintaining workflow within the department to be service-oriented.
Education
PGDM - Financial Markets
Institute for Technology and Management
Navi Mumbai01.2015
Bachelors of Commerce - undefined
University of Calcutta
01.2012
Std XII - Commerce
G.D. Birla Centre For Education
Kolkata01.2009
Std X - undefined
Narmada School
Kolkata01.2007
Skills
Microsoft office - Excel, Word, Power point
Certification
Completed a course of “Retail Housing Finance” with CRISIL.
Interests
Listening to music, watching movies, playing games
Extra-Curricular Activities and Key Achievements
Awarded as one of the best BCM for Q1, 2017 in Mumbai Zone Credit Department in DHFL. Participated in Urban Haat, NGO programme conducted by ITM to help the Artisans in their business held at CIDCO Belapur, Navi Mumbai. Involved in organizing the co-curricular activities at college fest and took part in it. Ranked 2nd as a group in inter college Campus Equity Research Challenge 2014. Singing and playing musical instruments.
Disclaimer
I hereby declare that the above given information is authentic to the best of my knowledge. Debojyoti Mukherjee
Timeline
Cluster Credit Manager
Piramal Finance Ltd.
05.2023 - Current
Area Portfolio Manager
ICICI Home Finance Company Ltd.
11.2021 - 03.2023
Territory Portfolio Manager
ICICI Home Finance Company Ltd.
03.2019 - 10.2021
Branch Credit Manager
Indiabulls Housing Finance Ltd
01.2018 - 03.2019
Branch Credit Manager
DHFL (Dewan Housing Finance Corporation Ltd.)
06.2015 - 01.2018
PGDM - Financial Markets
Institute for Technology and Management
Bachelors of Commerce - undefined
University of Calcutta
Std XII - Commerce
G.D. Birla Centre For Education
Std X - undefined
Narmada School