MALABIKA BISWAS

• The basic function of my role is to bridge the distance between the Banks/ Investment Companies /FIs /other financial institutions and my Company.
• Commencing initiation of meetings, opening of a prospect till the investment closure for further reinvestment by the company, the entire syllabus is landed on me.
• Another critical role alongside of bringing in new investors is introduction of prospective buyers and motivate and educate them about our ongoing projects and convert the propositions into real money for reinvestment in turn leading the company to grow and let more people live in.
• Other responsibilities included:.
• Relationship maintenance with the existing investors including Banks/FIs and adherence to their timely requirements.
• Responsible for Business Planning, Fund generation & Budgeting.
• Financial planning both out-go of funds to inflow of funds has to be decided upon and in concurrence with the management, finalization of the same to be reported and the same to executed on time for maximum profit earning.
• Ensure timely preparation of financial reports by the team and presentation to the management.
• Assessed budget plans and present costs to forecast trends and recommend changes.
• Established and enforced controls on revenue and expenses to protect company assets.
• Partnered with IT, business development and operations leadership to develop robust financial business plan with detailed benchmarks and action plans.
• Set clear departmental objectives and developed effective strategies to achieve targeted goals.
• Maintained agile, responsible organization with sustained revenue growth by monitoring industry forecasts, honing budgets and adjusting marketing strategies.
• Protected company assets with strategic risk management approaches.
• Verified compliance of financial policies and accounting procedures against federal regulations.
• Consulted with representatives of regulatory agencies to complete accurate filings and uphold strict compliance.

• During the tenure of 10+ years of service at IDBI Bank Ltd., I have worked in various roles which covered Branch Banking, Credit Analysis, Risk Management, Processing and Monitoring, various Commercial, PSL and SME lending, Zonal co-ordinations, etc.
• Details as below in the following.

September 2008 – July 2010

Posted as RM, Park Street Branch, I have been into Client Management & Relationship Building as ‘Relationship Officer – Assets (SME & Agri)’ (RO).

My key responsibilities were:

- portfolio build up & bringing in new clients, relationship strengthening, , analysis of clients’ business strategies, visiting their business areas, core interactions, financial analysis and credit worthiness.

- Closing of business deal into new business for the bank.

- Achievement rate – 110%

August 2010 – June 2013

Posted at Sub-SOL, Park Street Branch, and given the role of Relationship Manager – Agri & MSME (RM) with the same business responsibilities of PORTFOLIO Build Up and Business Generation, I had used my knowledge and had gained expertise in various lending, both retail, commercial and priority sector. As RM, I handled business relationship with companies like Magma ITL Finance Ltd, Greenply Industries Ltd., Merino Industries Ltd., Usher Agro Ltd., REI Agro Ltd., Bengal Acropolis, Ganesh Group of Companies, etc. and have achieved more than 100% of success rate in expansion of business for my Bank.

July 2013 – December 2014

Posted as Member of Credit Processing Centre (CPC – PSL), Credit Risk Analysis and Financial Management were my key responsibilities and most important job was to build up unbreakable rapport with the customers and also complete the entire part of processing their credit requirements within the stipulated TAT as defined by my organization.

I have handled portfolios of almost all the MFIs of Bengal during this time frame, namely Bandhan Financial Services Pvt. Ltd., Village Financial Services Pvt. Ltd., Uttarayan, Unnati Financial Services Pvt. Ltd., Arohan Financial Services Pvt. Ltd. and many other NBFC-MFIs. Not only MFI lending in form of long terms financing but also securitization & buy-out portfolios of Bandhan was also handled. Restructuring of various proposals (like JUD Cements, Ghosh Brothers, Satyam Group, etc.), Securitization (like Bandhan, Magma Fincorp Ltd.) were also some of the big projects I have dealt with.

Have also handled Management Audit, RBI Audit & internal Audit from time to time.

January 2015 – September 2018

I have been a part of the Zonal Office of Kolkata Zone comprising of West Bengal, North East & Bihar (covering 224 branches) and was directly assisting the Zonal Head, Kolkata Zone, in all his business decisions, budgeting and monitoring of targets of the Zone.

Other job responsibilities included active co-ordination and managing the asset portfolio with all the 224 branches falling under the Zone. Was also coordinating for regulatory compliances, business generation, NPA management, Recovery Actions, Human resource issues, Audit Issues, Management Audit, etc.

I was also responsible for organizing Zonal Credit Committee Meetings, recording of the deliberations and finalizing the Minutes.

October 2018 –November 2018

Posted as Member of Shared Services Department, I was given the responsibility of timely payments to vendors, check the validations of agreements with vendors, reconciliation of MIS, etc.