Indrajit Karmakar
AGM-Risk & Compliance, Internal Audit & QC ( SAMPURNA FINANCE) 10+ Years Experience/NBFC/Retails/Wholesale Lending/BC- Model/Banking Product/EV/MSME. Company-Sampurna/SVCL/L&T/Perpetuity/Avanti/Ananya/Fusion/HDFC/ICICI
Asansol
Summary
Dynamic professional with a Post-Graduation Diploma in Management, specializing in Banking, and over 9 years of comprehensive experience in Banking, Retail, and Microfinance Audit sectors. Proven expertise in customer screening to align services with client needs, complemented by a strong background in managing various deposit products, government bonds, and tax-saving plans. Recognized for delivering prompt and efficient service while maintaining high accuracy and building lasting customer relationships. Committed to fostering teamwork and continuous learning, focusing on enhancing workflow efficiency and contributing to organizational success.
Overview
11
11
years of professional experience
2
2
Certifications
3
3
Languages
Work History
AGM (RISK,COMPLIANCE,AUDIT & CREDIT)
SAMPURNA FINANCIAL SERVICES PRIVATE LIMITED
11.2024 - Current
- A. As a RCU agm mitigate risk.(COSO Guideline,MARKET RISK,REPUTATION RISK,CREDIT RISK)Analysis Sadhan & MFIN risk data analysis,PTP data,Bucket Data,RBI Complaint handle PAN india data & do some monthly & quarterly reports.Take care of all IGL,Farm,Health loans,,Analysis Risk.Compliance of the company handling. (PAN INDIA- TOTAL -45 Staffs handel
- B. Credit Quality Monitoring & Analysis
- C. Evaluate the overall credit quality of the loan portfolio, identifying trends and risks.
- D. Analyze loan performance metrics such as repayment rates, delinquency, and default rates.
- E. Ensure that credit assessments and loan approvals meet institutional policies and risk guidelines.
- F. Develop, review, and update company compliance policies and procedures.
- G. Ensure employees understand and follow internal guidelines.
- H. Conduct internal audits to check for policy adherence.
- I. Credit Risk Management
- J. Develop policies for loan approvals and risk assessment.
- K. Analyze borrower profiles to assess their repayment capacity.
- L. Monitor loan portfolios to detect early warning signs of default.
- M. Implement strategies for reducing non-performing loans (NPLs).
- N. Operational Risk Management
- O. Identify internal process risks such as fraud, mismanagement, or errors in loan disbursement and collection.
- P. Implement internal controls and compliance measures.
- Q. Develop strategies for preventing fraud and misconduct.
- R. 3. Market & Interest Rate Risk Management
- S. Monitor fluctuations in interest rates and inflation that could affect lending operations.
- T. Adjust pricing and loan terms accordingly to ensure sustainability.
- U. 4. Liquidity Risk Management
- V. Ensure the institution has enough cash flow to meet operational and financial obligations.
- W. Manage fund allocation to avoid liquidity shortages.
- X. 5. Regulatory & Compliance Risk Management
- Y. Ensure compliance with local, national, and international microfinance standards.
- Z. Keep track of changes in financial laws that may impact the organization.
- AA. 6. External & Environmental Risk Management
- AB. Assess economic, political, and environmental factors that could affect borrowers and operations.
- AC. Develop risk-mitigation strategies for external disruptions (e.g., economic downturns, natural disasters).
- AD. 7. Strategic & Reputation Risk Management
- AE. Protect the organization’s reputation by ensuring ethical lending practices.
- AF. Implement risk awareness training for employees to maintain service quality and integrity.
Risk & Control (SENIOR MANAGER)
SV CREDITLINE PVT LTD
06.2024 - 11.2024
- I. Handling all branches Risk query of PAN INDIA
- J. Analysis Sadhan & MFIN risk data analysis,PTP data,Bucket Data,RBI Complaint handle PAN india data & do some monthly & quarterly reports.Take care of all IGL,Farm,Health loans,,Analysis Risk.
AREA RCU MANAGER (RISK)
L & T FINANACE
12.2023 - 05.2024
- As a RCU manager mitigate risk.
- B.Handling all branches Risk query of east Zone
- C. Analysis NIS data,PTP data,Bucket Data,RBI Complaint handle east Zonedata & do some monthly & quarterly reports.
- D. Take care of all TW,Farm,Personal loans,,Used cars loans portfolio & as a Auditor check all credit & legal department risk also
- E. Branches PAR report, Settlement Data, OD Case, Fore closer verified, if needed then visit and find the root cause.
- F. Collection Demand, Collection Sheets tallied with MIS & App portal .
- G. All legal Against fraudulent staff or customer taking care by me.
- H. All agency & Customer query also handled by me.
INTERNAL AUDIT HEAD (AUDIT)
PERPETUITY CAPITAL
07.2023 - 12.2023
- A. As a internal audit head making policy to mitigate risk.
- B.Handling Audit Committee meeting
- C. Analysis PAN india data & do some monthly & quarterly reports.
- D. Take care of all EV loans,LAP,SME,Used cars loans portfolio & as a Auditor check all credit & legal department risk also
- E. Branches PAR report, Credit Data, OD Case, Fore closer verified, if needed then visit and find theroot cause.
- F.Collection Demand, Collection Sheets tallied with MIS & App portal
- G.Negative area list,Climate data Analysis & Manufacturing data also analysis.
- H.Handling all 4 people in my team, they are doing audit in every branch quarterly basis & all reports checking by me & ensure that compliance must come within TAT.
- I.All legal Against fraudulent staff or customer taking care by me.
- J.All lenders query also handled by me.
REGIONAL MONITORING & COLLECTION MANAGER
AVANTI FINANCE PRIVATE LIMITED
03.2023 - 06.2023
- Working as a Regional Monitoring & Collection manager & also Risk Manager, Portfoliomonitoring of partners in WestBengal.
- Take care of all partners portfolio in East & North East & as a Auditor check BranchCash, Petty cash,checking all expenses voucher.
- Branches PAR report, Credit Data, OD Case, Fore closer verified, if needed then visit and find theroot cause.
- Collection Demand, Collection Sheets tallied with Avanti Application.
- In field customer query handling & support partners. Handling Cash Module software.
- EOD cash & collection.
- A. Visit all overdue clients & try to collect money from them as fast as possible.
- B. Solve all legal cases
PORTFOLIO AUDIT MANAGER
ANANYA FINANCE FOR INCLUSIVE GROWTH PRIVATE LIMITED
11.2021 - 03.2023
- Working as a Audit Manager Highlighted all Red Flag issue & Report to Associated Vice PresidentHandling All identifiedRisk issue in Portfolio of West Bengal, Handling 5 team mates (OD,BH,MP,UP,DELHI)
- Take care of all my team mates & consolidate reports & send to AVP All Branch related Accounts, Fields issues & Fraud issues handled by me
- Branches PAR report, Credit Data, OD Case, Fore closer verified, if needed then visit and find the root cause.
- Cash Demand, Collection Sheets, Loan application form scrutiny.Analysis
- Natural Calamity trend, Disbursement Trend,OD Trend,Risk management
- In field customer query handling & support partners.Handling Ananyasoftware.
- Recently RBI related all guideline properly maintain by branches, this allchecked Monthly .
ACCOUNT MONITORING MANAGER (WEST BENGAL)
ANANYA FINANCE FOR INCLUSIVE GROWTH PRIVATE LIMITED
04.2020 - 11.2021
- Working as Account Monitoring Auditor & also Risk Manager, Portfolio monitoring of partners inWest Bengal. Handling Steam mates (OD,BH,MP,UP,DELHI)
- Take care of all partners portfolio in West Bengal & as a Auditor check Branch data Cash, Petty cash, checking all expenses voucher.
- Branches PAR report, Credit Data, OD Case, Fore closer verified, if needed then visit andfind the root cause.Cash Demand, Collection Sheets, LIR, LPF, DPN, Loan applicationform scrutiny.
- Attend all Center Meeting, GRT , CGT , and find any mismanagement
- In field customer query handling & support partners.Handling Ananyasoftware.
- EOD checking, Client data checking, statement and all reports of audit related.Scrutiny Loanprocessing all documents.
AUDIT OFFICER
FUSION MICROFINANCE PRIVATE LIMITED
09.2018 - 03.2020
- Working as a auditor & also risk manager.
- Take care of five branches portfolio of Fusion-Bankura, Rajganj, Budbud, Suri, Nabadwip, As a Auditor check Branch Cash, Petty Cash, checking all expensesvoucher.
- Branches par report, Credit data,FTNR report,Death cash,OD case,Fore closer verified,if neededthen visit and find the root cause.
- Cash Demand,Collection sheets,LIR,LPF,DPN,Loan application formscrutiny. Attendall Center Meeting,GRT,CGT,and find any mismanagement
- In field customer query handling.
- Handling Sakti software for EOD checking, Client data checking and all reports of audit related.
- Analysis and audit report send to reporting boss towards end of audit period.
- Well known about daily MIS, Monthly reports like Death case MIS, Productivity reports, Geo-tagging report
STORE MANAGER CUM CASHIER
SHOP “N SAVE PROPTIERSHIP FARM
08.2017 - 08.2018
- Working as a management of all departmental stock Worked in Cash handling with accuracy
- Maintaining relationship with customers and providing departmental products of their need through cross SaleProbing of sale.
- Handling queries of customers through customer relationship management. Working in POS & STOCK MANAGEMENT SOFTWARE
Trainee Management
HDFC BANK
06.2016 - 05.2017
- Working as a Client’s Investment adviser by managing their investment Portfolio.
- Creating their needs of investment by understanding their short-term and long-term financial planning.Giving them the advice of where to invest.
- Worked in Cash handling with accuracy
- Maintaining relationship with customers and providing financial products of their need through cross selling.Handling queries of the customers through financial customer relationship management, monitoring cash & reports
Senior Officer
ICICI BANK
02.2015 - 09.2015
- Understanding the Customer Requirement and Branch Banking inquiry handling.Working on Inward Remittance and outward remittance.
- Bank grantee, Letter of Credit Sourcing customer database
- Environment: - MS Office, MS Outlook, Windows 7, MS Excel, Shakti Software, Finacle, Ananya & Avanti FinanceSoftware
Education
Bachelor of Arts (Honors) -
Burdwan University
Burdwan, West Bengal01.2020
Higher Secondary - Arts
West Bengal Council of Higher Secondary Education
01.2009
Matriculation - undefined
West Bengal Board of Secondary Education
01.2007
POST GRADUATE DIPLOMA IN BANKING MANAGEMENT - PGDBM
TIMES PRO
KOLKATA 04.2001 -
Skills
Diploma in Computer Application course:- DCA
Certification
AMFI (The Association of Mutual Funds in India) certified.
Interests
Interacting with people
Timeline
AGM (RISK,COMPLIANCE,AUDIT & CREDIT)
SAMPURNA FINANCIAL SERVICES PRIVATE LIMITED
11.2024 - Current
Risk & Control (SENIOR MANAGER)
SV CREDITLINE PVT LTD
06.2024 - 11.2024
AREA RCU MANAGER (RISK)
L & T FINANACE
12.2023 - 05.2024
INTERNAL AUDIT HEAD (AUDIT)
PERPETUITY CAPITAL
07.2023 - 12.2023
REGIONAL MONITORING & COLLECTION MANAGER
AVANTI FINANCE PRIVATE LIMITED
03.2023 - 06.2023
PORTFOLIO AUDIT MANAGER
ANANYA FINANCE FOR INCLUSIVE GROWTH PRIVATE LIMITED
11.2021 - 03.2023
ACCOUNT MONITORING MANAGER (WEST BENGAL)
ANANYA FINANCE FOR INCLUSIVE GROWTH PRIVATE LIMITED
04.2020 - 11.2021
AUDIT OFFICER
FUSION MICROFINANCE PRIVATE LIMITED
09.2018 - 03.2020
STORE MANAGER CUM CASHIER
SHOP “N SAVE PROPTIERSHIP FARM
08.2017 - 08.2018
Trainee Management
HDFC BANK
06.2016 - 05.2017
Senior Officer
ICICI BANK
02.2015 - 09.2015
POST GRADUATE DIPLOMA IN BANKING MANAGEMENT - PGDBM
TIMES PRO
04.2001 -
Higher Secondary - Arts
West Bengal Council of Higher Secondary Education
Matriculation - undefined
West Bengal Board of Secondary Education
Bachelor of Arts (Honors) -
Burdwan University
Extra-Curricular Activity
Participated in NIIT NATIONAL SKILL DEVELOPMENT COMPETITION
Achievements & Awards
4th position in YOGA CERTIFICATION held in Burdwan University -2013, 3rd position in RED CROSS SOCIAL SERVICE held in Burdwan RED CROSS House. -2014
Personal Strengths
- Team sprit & Strong skills in developing business understandings withSeniorsWillingness to learn & experiment thing & deep sense of commitment.
- In depth ability to apply common sense to carry out detailed written and oral instructions. Exceptionalfocus and follow-through abilities
- Innovative thinking, creative and meticulous. Organizational, oral/written communication, interpersonal, analytical, and problem resolution skills.
LEARNING
LEARNING NEW IDEAS