SUBHAMOY DAS
Kolkata
Summary
Results-driven Working Capital Relationship Manager with 10+ years of experience in MSME and SME banking. Proven expertise in managing high-value portfolios exceeding ₹40 crore, driving profitable New-to-Bank (NTB) acquisitions, and deepening strategic client relationships. Adept at structuring fund-based and non-fund-based working capital solutions with a strong emphasis on asset quality, risk governance, and sustainable income generation. Recognized for driving portfolio performance through proactive client engagement, cross-functional collaboration, and disciplined credit practices.
Overview
11
11
years of professional experience
Work History
Relationship Manager – Working Capital RM
AU SMALL FINANCE BANK
09.2025 - Current
- SME & MSME Sourcing: Responsible for the end-to-end sourcing of high-potential SME and MSME clients for working capital and asset-based lending.
- Asset Disbursement: Driving the disbursement of customized credit facilities (CC/OD/Term Loans) to meet the operational and expansion needs of small and medium business owners.
- Revenue Strategy: Achieving monthly and quarterly targets through processing fees, interest margins, and cross-selling Cash Management Services (CMS).
- Market Mapping: Actively mapping local business hubs, industrial estates, and trade associations to identify emerging funding opportunities.
- Portfolio Health: Ensuring high asset quality through proactive client engagement and regular monitoring of account conduct.
Relationship Manager – Working Capital RM
IDFC FIRST BANK LTD
08.2023 - 08.2025
- Portfolio Oversight: Managed a diverse ₹40 Cr portfolio, structuring facilities for Working Capital, Term Loans, and Project Finance.
- Asset Quality: Maintained high portfolio health through regular monitoring of current account floats and timely interest servicing.
- Credit Structuring: Provided tailored fund-based facilities (OD/CC) to support client-specific operational cycles.
Relationship Manager – Working Capital RM
ICICI BANK
06.2022 - 08.2023
- Managed a ₹40 Cr portfolio, focusing on deepening banking relationships and maximizing customer wallet share.
- Structured and executed working capital solutions based on detailed business potential analysis.
Deputy Manager
Axis Bank Ltd.
Kolkata
03.2022 - 05.2022
- Oversaw daily banking operations and ensured compliance with regulatory standards.
- Managed customer service initiatives to enhance client satisfaction and loyalty.
Manager – Pioneer RM
INDUSIND Bank
01.2021 - 01.2022
- Delivered comprehensive financial solutions including Business Banking, Wealth Management, and Investment Advisory for HNI clients.
Deputy Manager
ICICI Bank
Kolkata
03.2020 - 08.2020
- Worked closely with customers to understand needs and resolve diverse issues.
- Managed customer service initiatives to enhance client satisfaction and loyalty.
Assistant Manager – Corporate Salary Team
IDFC FIRST BANK
11.2016 - 03.2020
- On-boarded new corporate entities and executed strategies for cross-selling retail assets and insurance products.
Unit Sales Manager
ICICI LOMBARD GIC LIMITED
02.2015 - 10.2016
- Handled bank channel partners in the BBG (Business Banking Group) vertical to enable business growth through trade-marketing.
Education
Post Graduate Diploma in Management - Marketing & Operations
ICBM SBE
Hyderabad 01.2012 - 01/2014
Bachelor of Engineering (B.E.) -
Meenakshi Academy of Higher Education
Chennai 01.2008 - 01/2012
Intermediate -
Manbhum Victoria Institution
01.2006 - 01/2008
10th Standard -
Zilla School
01.1996 - 01/2006
Skills
- Financial Modeling
- Credit Appraisal
- Finacle
- Financial analysis
- CRM proficiency
- Credit structuring
- Portfolio management
- Market mapping
- Revenue generation
- Customer relationship management
- Asset quality monitoring
Languages
English
Advanced
C1
Hindi
Intermediate
B1
Bengali
Upper Intermediate
B2
Personal Information
Father's Name: Mrinal Baran Das
Date of Birth: 04/10/1991
Marital Status: Unmarried
Hobbies and Interests
- Listening to Music
- Playing Cricket
Declaration
I hereby declare that the information furnished above is true to the best of my knowledge.
Subhamoy Das
Timeline
Relationship Manager – Working Capital RM
AU SMALL FINANCE BANK
09.2025 - Current
Relationship Manager – Working Capital RM
IDFC FIRST BANK LTD
08.2023 - 08.2025
Relationship Manager – Working Capital RM
ICICI BANK
06.2022 - 08.2023
Deputy Manager
Axis Bank Ltd.
03.2022 - 05.2022
Manager – Pioneer RM
INDUSIND Bank
01.2021 - 01.2022
Deputy Manager
ICICI Bank
03.2020 - 08.2020
Assistant Manager – Corporate Salary Team
IDFC FIRST BANK
11.2016 - 03.2020
Unit Sales Manager
ICICI LOMBARD GIC LIMITED
02.2015 - 10.2016
Post Graduate Diploma in Management - Marketing & Operations
ICBM SBE
01.2012 - 01/2014
Bachelor of Engineering (B.E.) -
Meenakshi Academy of Higher Education
01.2008 - 01/2012
Intermediate -
Manbhum Victoria Institution
01.2006 - 01/2008
10th Standard -
Zilla School
01.1996 - 01/2006