RAJESH RANJAN
Kolkata,WB
Summary
Senior Credit & Wholesale Banking Professional with 15 years of experience in the Indian banking industry, specializing in SME-LAP, wholesale credit, credit administration, and corporate risk management. Proven expertise in credit appraisal, underwriting, portfolio management, regulatory compliance, and product leadership. Successfully managed ₹1,800+ Cr portfolio with industry-leading asset quality (0.90% NPA). Strong command over RBI regulations, Basel III norms, financial analysis (IFRS / Ind AS), and structured lending. Adept at driving credit governance, risk mitigation, and digital process transformation while aligning business growth with prudent risk frameworks.
Overview
14
14
years of professional experience
Work History
Assistant Vice President & Product Head – SME LAP
Bandhan Bank
03.2025 - Current
- Led end-to-end product strategy and execution for SME-LAP portfolio aligned with organizational growth objectives.
- Managed SME-LAP book of approximately ₹1,800 Cr with exceptional asset quality of 0.90% NPA.
- Developed and executed product roadmap, prioritizing features based on business strategy and market trends.
- Defined product requirements in collaboration with IT, Credit, Operations, Risk, and Compliance teams.
- Monitored portfolio KPIs and implemented corrective measures to improve performance and yield.
- Ensured compliance with RBI regulations and internal risk frameworks across lending lifecycle.
- Drove digital transformation initiatives to enhance customer experience and reduce processing TAT.
- Strengthened cross-functional alignment across Sales, Risk, Compliance, and Operations for seamless product delivery.
Assistant Vice President – Credit Administration
Bandhan Bank
02.2015 - 03.2025
- Headed Credit Administration function overseeing loan processing, limit management, and disbursement controls.
- Ensured disbursement approval only upon completion and verification of all documentation as per CAD checklist.
- Oversaw system approvals and accurate upload of new and modified credit limits.
- Monitored limit expiries to prevent unauthorized disbursements post-validity.
- Conducted due diligence prior to issuance of commitment/checklist.
- Supervised collateral documentation, inspections, mortgage compliance, and regulatory adherence.
- Monitored covenant compliance, audited financial submissions, and reported limit expiries to department heads.
- Ensured post-disbursement compliance including assignment of rights and review of credit terms.
- Conducted internal audits to ensure adherence to credit policy and regulatory standards.
- Provided MIS reporting to senior management on credit administration metrics.
- Led training, mentorship, and recruitment initiatives to strengthen team capability.
- Collaborated closely with Credit Risk, Legal, and Operations for timely disbursement and discrepancy resolution.
Deputy Manager
ICICI Bank
11.2011 - 01.2015
- Managed branch operations ensuring regulatory compliance and adherence to internal controls.
- Drove sales growth across loans, deposits, insurance, and third-party financial products.
- Achieved consistent monthly and annual revenue targets through strategic cross-selling.
- Identified new business opportunities and expanded local market presence.
- Maintained strong client relationships and ensured high customer satisfaction levels.
- Resolved escalated operational and service-related issues efficiently.
- Enhanced customer retention through engagement and relationship-building initiatives.
Education
MBA - Banking & Finance
Manipal University
Manipal01-2014
B.Tech - Electronics & Comm.
Ranchi University
Ranchi01-2010
Skills
- Advanced MS Excel & Financial Modeling
- Credit Risk Rating Systems
- Portfolio Monitoring & MIS Reporting
- Loan Documentation & Compliance Review
- Basel III Framework Implementation
- Stress Testing & Scenario Modeling
- Banking Core Systems & Credit Monitoring Tools
Accomplishments
- Successfully maintained SME-LAP portfolio NPA at 0.30% across economic cycles.
- Built and scaled ₹1,200 Cr SME-LAP portfolio with robust credit governance.
- Strengthened credit control framework, reducing documentation discrepancies by 25%.
- Improved loan processing efficiency through structured approval workflows.
- Recognized for leadership excellence in Credit Administration and Product Management.
Affiliations
Member – Indian Institute of Banking & Finance (if applicable)
Timeline
Assistant Vice President & Product Head – SME LAP
Bandhan Bank
03.2025 - Current
Assistant Vice President – Credit Administration
Bandhan Bank
02.2015 - 03.2025
Deputy Manager
ICICI Bank
11.2011 - 01.2015
B.Tech - Electronics & Comm.
Ranchi University
MBA - Banking & Finance
Manipal University