Soumitra Chatterjee
Regional Risk Manager
Kolkata
Summary
Accomplished Risk & Financial Crime Prevention Leader with 20+ years of experience driving enterprise risk governance, fraud-control strategy, operational risk mitigation, and retail asset portfolio protection across banking, housing finance, and financial services organizations.
Overview
2
2
Certifications
22
22
years of professional experience
Work History
Regional Risk Control Unit Manager – East & Uttar Pradesh
L&T Housing Finance
01.2019 - Current
- Lead regional fraud-risk governance and investigation operations for Home Loans, Personal Loans, and SME portfolios.
- Architect fraud-control frameworks and conduct complex financial investigations involving suspicious transactions and operational irregularities.
- Drive pre- and post-disbursement risk assessments to strengthen underwriting quality and reduce fraud exposure.
- Manage vendor-risk governance, SOP recommendations , implementation, operational audits, and cross-functional stakeholder coordination.
- Enhanced operational efficiency, redesigning workflow processes.
- Policy manuals Establish policy review cycles.
- Coordinate approvals with business units.
- Track policy exceptions.
- Ensure timely renewals and updates.
Assistant Manager – Financial Crime Prevention & Risk Management Group
ICICI Bank
06.2013 - 01.2019
- Conducted fraud-risk assessments across Home Loans, Auto Loans, Credit Cards, Savings Accounts, and Trading Accounts.
- Led Root Cause Analysis (RCA) and fraud trend monitoring initiatives.
- Developed proactive fraud detection techniques and operational risk mitigation controls.
Executive – Risk Management
Religare
04.2007 - 06.2013
- Managed equity and currency portfolio risk across regional operations.
Risk Trainee
Investment Trust of India
07.2005 - 03.2006
- Conducted compliance reviews, settlement monitoring, and trading-risk governance.
Back Office Executive
Shriram Group of Companies
12.2004 - 07.2005
- Managed trading support operations and settlement monitoring.
Education
LLB - Law
Seacom Skills University
01-2023
Post Graduate Program in Management - Business Management - (Distance )
ISBM University
Kolkata, India 04.2001 -
Bachelor of Computer Applications -
Jiwaji University
Gwalior, Madhya Pradesh 01-2003
Skills
Perfios, Karza, Timble, Hunter
Advanced Microsoft Excel, Power Point
Banking & Screening Platforms, API-Based Verification Systems
Certification
Certified Fraud Examiner (ACFE)
Timeline
Regional Risk Control Unit Manager – East & Uttar Pradesh
L&T Housing Finance
01.2019 - Current
Assistant Manager – Financial Crime Prevention & Risk Management Group
ICICI Bank
06.2013 - 01.2019
Executive – Risk Management
Religare
04.2007 - 06.2013
Risk Trainee
Investment Trust of India
07.2005 - 03.2006
Back Office Executive
Shriram Group of Companies
12.2004 - 07.2005
Post Graduate Program in Management - Business Management - (Distance )
ISBM University
04.2001 -
LLB - Law
Seacom Skills University
Bachelor of Computer Applications -
Jiwaji University
CORE EXPERTISE
- Risk Management & Financial Crime Prevention
- Fraud Investigation
- Retail Asset Risk & Operational Risk
- Compliance & Audit
- Vendor Risk
- Data Analytics
- Root Cause Analysis (RCA)
- RCU Operations
- Policy manuals
- SOPs
- Process flowcharts
- Delegation of authority matrices
- Version control records
AWARDS & RECOGNITION
In LTFS Multiple Wall of Fame & Top Performer Recognitions,Outstanding Contribution – RCU Area Manager (ICICI Bank), Quest for Quality Award – ICICI Bank, PAN India Recognition for Collection Realization Performance, Bright Idea Contest Winner – Religare
Personal Interest
· Table Tennis
· Music
· Pencil Sketching
· Travelling