Finacle
Diptanu Roy
Assistant Manager
Agartala,TR
Summary
Risk management professional with over 14 years of banking experience, specializing in public sector and regional rural banking environments. Proven expertise in credit risk assessment, portfolio monitoring, regulatory compliance, and branch-level governance ensures a comprehensive approach to risk mitigation. Former Branch Manager with a strong track record in overseeing diverse portfolios, including Retail, MSME, Agriculture, and Gold Loans, while fostering robust client relationships. Currently pursuing FRM certification, demonstrating a commitment to mastering Basel-aligned risk frameworks and enhancing organizational resilience.
Overview
14
14
years of professional experience
2
2
Certifications
3
3
Languages
Work History
Assistant Manager
Bank of India
03.2013 - Current
- Credit appraisal and risk assessment for Retail, MSME, Agriculture, and Gold Loans
- Portfolio monitoring, MIS preparation, and early warning analysis
- Supported regulatory reporting, audits, and compliance reviews
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Developed strong working relationships with staff, fostering a positive work environment.
- Promoted teamwork within the workplace by encouraging collaboration among staff members on various project tasks.
Branch Manager
Bank of India
08.2013 - 06.2018
- Overall responsibility for branch operations, credit portfolio, and risk controls
- Led credit appraisal, sanction, and monitoring of Retail, MSME, Agriculture, and Gold Loan portfolios
- Ensured adherence to internal credit policies, exposure limits, and regulatory guidelines
- Monitored asset quality, early warning signals, delinquencies, and recovery actions
- Oversaw post-disbursement monitoring, documentation, and collateral compliance
- Managed operational risk, audit observations, and regulatory inspections
- Supervised branch staff and ensured governance, controls, and service standards
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Maintained friendly and professional customer interactions.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Implemented risk management strategies to minimize potential losses while maintaining a healthy balance between risk and return on investments.
Officer
Regional Rural Bank
03.2012 - 02.2013
- Credit processing and branch-level risk assessment for priority sector and retail lending
- Supported documentation, compliance, and asset quality monitoring
- Oversaw daily cash reconciliations, ensuring accurate financial reporting and minimizing discrepancies.
Education
Master of Science (MSc) - Biotechnology
Bachelor of Science (BSc) - Biotechnology
Skills
Credit Risk Assessment
Portfolio Monitoring
Retail
MSME
Agriculture & Gold Loans
Regulatory Compliance
Basel III/IV Concepts
Risk Controls & Governance
Advanced Excel
Data Analysis
Python
SQL
Operations management
Team leadership
Software
MS Office
Certification
Financial Risk Manager (FRM), Candidate
Personal Information
- Europe
- UK
- EU
- Availability: Europe / UK / EU
Timeline
Branch Manager
Bank of India
08.2013 - 06.2018
Assistant Manager
Bank of India
03.2013 - Current
Officer
Regional Rural Bank
03.2012 - 02.2013