SARAJIT SOM
Kolkata
Summary
Proactive and versatile professional with a dedication to quickly adapting to new challenges. Strong problem-solving abilities and a proven track record of fostering strong relationships with clients and team members. Focused on supporting team success and achieving positive results.
Overview
20
20
years of professional experience
Work History
Regional Credit Head (LAP, BL)
Bandhan Bank
11.2016 - Current
- Teams of 3 Area Credit Managers are reporting to me.
- Approving loan proposals which are under my authority.
- Taking care of the portfolios of the 2 clusters.
- Auditing of the files which got disbursed for the entire clusters.
- Taking care of the productivity of ACMs.
Credit Manager (HL)
DHFL
Kolkata
02.2015 - 11.2016
- Approving of loan proposals in the systems & sanctioning credits of Home Loan of consumers pertaining to company’s policies and regulations.
- Analyzing legal and technical reports of the cases before approving them in the system.
- Post approval of cases, auditing the documents before sending it to the team for disbursement.
- Closely monitoring the KYC, collateral of the individuals and post disbursement securities as per the sanction letter and or legal reports.
- Work closely with empanel Lawyers for securities of the various cases and also with technical team for the projects to be funded.
- Creating various MIS reports regarding my portfolio and analyzing it at the month end.
Credit Manager (LAP, BL, GL)
HDB Financial Services Ltd
Kolkata
12.2008 - 02.2015
- Approving of loan proposals of LAP, BL in the systems & sanctioning credits of consumers pertaining to company’s policies and regulations.
- Analyzing legal and technical reports of the cases before approving them in the system.
- Post approval of cases, auditing the documents before sending it to the team for disbursement.
- Doing audit of all the post disbursement files of all the products, ensure smooth running of all the branches in the east.
- In the later part also looking after operations part relating to disbursement of all the products.
- Ensure high audit scores by reducing error rates while delivering on the policy and process requirements.
- Ensure proper reporting of branch defects / non compliance.
- Giving training to all the branch staffs in credit and operational vertical.
Risk Analysts (BL, PL)
HSBC
Kolkata
06.2007 - 12.2008
- Approving of loan proposals in the systems & sanctioning credits of Personal Loans of consumers pertaining to company’s policies and regulations.
- Post approval of cases, auditing the documents before sending it to the team for disbursement.
- Closely monitoring risk factors of the individuals before sanctioning the loans to them.
- Keeping track of Non – Starters. Analyzing the 60+ DPD and take the necessary steps against it.
- Creating various MIS reports regarding my portfolio and analyzing it at the month end.
Credit and Operations Executive (Auto Loans and CV)
Magma Leasing Ltd
Kolkata
12.2005 - 06.2007
- Managing and approving the Auto Loan portfolio of Andhra Pradesh and Orissa region.
- Understanding the credit appraisal along with field investigations for case to case basis.
- Approving the credit requisitions matching with the company’s IRR.
- Executions of files in the systems and giving authority for payments in the systems.
- Entering the details of PDCs before passing for local cheque presentation.
Education
MBA - Marketing, Finance
Bengal Engineering & Science University
Shibpur, West BengalMaster of Information Technology -
Manipal University
Manipal, KarnatakaB.Sc -
Calcutta University
ISCE -
St. Thomas’s Church School
HowrahICSE -
St. Thomas’s Church School
HowrahSkills
- Loan proposal approval
- Credit risk analysis
- Portfolio management
- Compliance monitoring
- Team leadership
Personal Information
- Date of Birth: 11/22/78
- Gender: Male
Hobbies and Interests
- Traveling
- Gaining knowledge of historical places
Projects
- Final project in MBA, Turtle Limited, An assessment of the brand “Turtle” on its current standing vis-à-vis competitors and the perception of the consumers and outlets on this brand., The project was a Marketing Research in nature and the areas of research work as follows: Awareness (Brand saliency, aided and unaided awareness), Category attitudes and behavior (Buying process, usage behavior, frequency of purchase, context and motivations), Brand perceptions (Perceptions on different attributes: For Turtle and key competition brands, perceptions of exclusive outlets/showrooms), Consumers profile (Demographic and lifestyle indicators)
- Summer project in MBA, Ondeo Nalco India Ltd., An assessment of the performances of Ondeo Nalco India Ltd on relevant financial aspects., Worked on cash-flow, funds-flow, balance-sheet analysis with different types of ratios and analysis of the figures of the current year with respect to previous 10 years.
- Project work in MIT, Developed an application on Banking solution with Oracle at backend and Developer at front-end at windows 98 platform.
Languages
- English
- Bengali
- Hindi
Trainings Undergone
- Leadership and Motivation
- Credit policy Training
- Fraud detection and awareness Training
- Anti Money Laundering Training
- IT security awareness Training
- Debt Management and Audit process Training
- Customer Services Training
Areas Of Exposure
- Credit
- Portfolio Management
- Risk Evaluation
Languages
English
Proficient
C2
Hindi
Intermediate
B1
Bengali
Proficient
C2
Timeline
Regional Credit Head (LAP, BL)
Bandhan Bank
11.2016 - Current
Credit Manager (HL)
DHFL
02.2015 - 11.2016
Credit Manager (LAP, BL, GL)
HDB Financial Services Ltd
12.2008 - 02.2015
Risk Analysts (BL, PL)
HSBC
06.2007 - 12.2008
Credit and Operations Executive (Auto Loans and CV)
Magma Leasing Ltd
12.2005 - 06.2007
MBA - Marketing, Finance
Bengal Engineering & Science University
Master of Information Technology -
Manipal University
B.Sc -
Calcutta University
ISCE -
St. Thomas’s Church School
ICSE -
St. Thomas’s Church School