Subhabrata Chakraborty
Bolpur
Summary
A position with an Organization where my education, training and experience would be called upon to handle the day to day challenges in the area of credit analysis and portfolio management.
Overview
10
10
years of professional experience
Work History
Area Credit Manager
HDBFS
Birbhum
01.2022 - Current
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Appraise or underwriter refinance or new loan within difined policy guidelines and accordingly take decision or recommend for approval to appropriate authority.
- Analysis Customer Profile, Bank Statement, Financial, fleets, Loan serviceability, exposure, experience, viability, deployment, repayment track validation, market condition, etc .
- TVR. Field Investigation (Internal and External).
- FRC from others financiers.
- Prepare MIS daily and monthly basis.
- PDD collection on time.
- Maintain Branch Portfolio .
- Visit dealer point monthly basis.
- Visit stock points .
- Delinquent contact visit & resolution.
- Collection analysis.
- Monthly training.
Branch Accounts Head
Mahindra & Mahindra Financial Services Ltd.
10.2014 - 12.2021
- Maintain Branch Accounts.
- Credit underwriting of Tractor loans, commercial vehicle,car loans .
- Follow up collection executive for collection deposited at branch in proper time.
- Training CRE , BE and Cashier for proper maintain his responsibility.
- Proper Handle Branch Audit.
- Handling & maintaining of Books of Accounts of the branch.
- Party Ledger Reconciliation.
- Monthly Bank Account Reconciliation.
- Collect additional finance charge from customer as per company policy.
- NOC process.
Operation
- Non stator controlling
- Early defaulter visiting and solving
- Collection analysis
Cashier
Mahindra & Mahindra Financial Services Ltd.
10.2014 - 10.2017
- Handling & maintaining of Books of Accounts of the branch.
- Party Ledger Reconciliation.
- Monthly Bank Account Reconciliation.
- Collect additional finance charge from customer as per company policy.
- NOC process.
Operation
- Non stator controlling
- Early defaulter visiting
Education
Bachelor of Commerce -
Bolpur College
Bolpur 01.2014
Higher Secondary - Arts
Bolpur High School
Bolpur 01.2010
Madhyamik - General Studies
Bolpur High School
Bolpur 01.2008
Skills
- Credit Scoring Models
- Cash Flow analysis
- Financial analysis
- Portfolio Management
- Risk Assessments
- Mentoring and training
- Performance monitoring
- Risk Mitigation
Languages
English
Bengali
Hindi
Communicationaddress
Debendraganj, Bolpur, West Bengal, 731204
Contactno
8918120839
Presentjobresponsibility
- Appraise or underwriter refinance or new loan within defined policy guidelines and accordingly take decision or recommend for approval to appropriate authority.
- Analysis Customer Profile, Bank Statement, Financial, fleets, Loan serviceability, exposure, experience, viability, deployment, repayment track validation, market condition, etc.
- TVR. Field Investigation (Internal and External).
- FRC from others financiers.
- Prepare MIS daily and monthly basis.
- PDD collection on time.
- Maintain Branch Portfolio.
- Visit dealer point monthly basis.
- Visit stock points.
- Delinquent contact visit & resolution.
- Collection analysis.
- Monthly training.
Previousjobresponsibilities
- Maintain Branch Accounts.
- Credit underwriting of Tractor loans, commercial vehicle, car loans.
- Follow up collection executive for collection deposited at branch in proper time.
- Training CRE, BE and Cashier for proper maintain his responsibility.
- Proper Handle Branch Audit.
- Handling & maintaining of Books of Accounts of the branch.
- Party Ledger Reconciliation.
- Monthly Bank Account Reconciliation.
- Collect additional finance charge from customer as per company policy.
- NOC process.
- Operation
- Non stator controlling
- Early defaulter visiting and solving
- Collection analysis
Personal Information
- Expected Salary: Negotiable
- Father's Name: Basudeb Chakraborty
- Date of Birth: 07/20/90
- Gender: Male
- Marital Status: Unmarried
- Religion: Hindu
Disclaimer
I do hereby declare that all the above mentioned information are completely true and correct to the best of my knowledge and belief.
Timeline
Area Credit Manager
HDBFS
01.2022 - Current
Branch Accounts Head
Mahindra & Mahindra Financial Services Ltd.
10.2014 - 12.2021
Cashier
Mahindra & Mahindra Financial Services Ltd.
10.2014 - 10.2017
Bachelor of Commerce -
Bolpur College
Higher Secondary - Arts
Bolpur High School
Madhyamik - General Studies
Bolpur High School