Subhankar Das
Retail Assets Operation Manager
Shyamnagar
Summary
Dynamic manager with proven leadership capabilities, strategic planning expertise, and strong problem-solving skills. Adept at collaborating with senior management to achieve ambitious targets by motivating staff and coordinating resources effectively. Highly organized and methodical in optimizing operational coverage to meet business demands. Committed to driving revenue growth, enhancing customer loyalty, and improving team efficiency to support long-term sustainability in the retail finance sector.
Overview
10
10
years of professional experience
3
3
Languages
Work History
Deputy Manager in Retail Assets Operation
RBL Bank Ltd
07.2024 - Current
- Disbursement of LAP, Home Loan, Education Loan, Business Loan, and Two-Wheeler Loan cases after checking and coordination with the credit and sales team (Checker Level).
- Handling RBL Bank East Assets Disbursement-related end-to-end activity at the branch level.
- Managing the retail asset operation team and supporting other location cases for disbursement (Delhi, Kanpur, Agra).
- Handle daily and monthly MIS related to disbursement, and share with the diligent authority on a monthly and weekly basis, as per the matrix.
- Check the log in the file as per the checklist, along with all checks related to credit activity (CIBIL, ITR, banking, Finfort, RRT, TVR, CAM, and other checks).
- Resolve the audit issue related to disbursement within the stipulated timeframe.
- Check all policy-related changes from time to time, and guide the sales and credit teams accordingly regarding the same to avoid critical issues before disbursement.
- Participate in business and team meetings for any necessary changes to develop the business or better support if required.
- Coordinate with the branch credit manager related to case-to-case log-in and underwriting.
- Coordinate with the vendor for legal and technical initiation, report updating in TCS, and bill processing.
- Follow up with the vendor for property papers in BT cases, or a fresh transaction.
- Follow up with the Sales and Legal teams for the BT/Fresh cheque handover to the customer, and also update the same in the system and MIS.
- Checks for PDD/OTC documents related to each case, collecting the same from the Sales/Lawyer route through the credit team.
- Original Collateral Documents checking, Cersai creation, vaulting, and dispatch to RMU after disbursement within TAT.
- Manage all post-disbursement activities (Welcome Letter, LOD, File, Property Paper, SPDC dispatch) creation and dispatch to customers.
- Improved team efficiency by streamlining processes and implementing innovative management strategies.
- Identified areas for improvement within the department, implementing strategic initiatives to address gaps in performance or resources.
- Collaborated with cross-functional teams to drive business growth and achieve corporate objectives.
- Created and maintained a strong team culture that promoted high levels of collaboration, employee satisfaction, and overall performance.
- Increased customer satisfaction levels by developing targeted strategies to address client concerns effectively.
- Mentored junior staff members on best practices for project management and team collaboration skills, fostering a supportive work environment.
- Developed strong relationships with stakeholders to facilitate smooth communication and project completion.
- Enhanced employee performance by providing regular feedback, coaching, and training opportunities.
- Liaised with team members, stakeholders and vendors to coordinate activities, provisioning, environment setup, risk mitigation and follow-up.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
Disbursement Officer
Protium Finance Ltd
09.2022 - 07.2024
- Disburse LAP cases after checking & co-ordination with credit & sales team.
- Created and implemented innovative strategies for smooth process of loan disbursement.
- Disburse LAP cases after checking FI, Cibil, Cersai report, RCU, Legal, Technical report, Credit condition, OTC, PDD & other approval related to disbursement through Pennant software.
- After collection vendor vetting report & disbursal check, Scan & dispatch original property paper along with Physical File to HO via official courier.
- Co-Ordinate with customer for NACH registration & upfront fee payment wherever required.
- Maintain MIS on daily basis related to disbursement & Fund Out to maintain data for higher management.
- Co-Ordinate with sales, credit, RCU & legal team for errorless paperwork.
- Keep track of OTC, PDD documents related to disbursement.
- Check & update with latest changes in policy, Changes in Document Format & download to Branch sales team and credit team.
- Query Handling related to legal, technical, credit with Branch Manager for smooth disbursement and fund out process.
- Check all Applicant & Co Applicant KYC with application form customer stamp & signature wherever required.
- Property paper handover to customers after loan closure, LOD creation.
- Creation of cersai charge, check & upload required all documents in Miracci software pre & post disbursal for audit & tracing purposes.
- Support to other location case disbursal by co ordinating with CPA & DO.
- Coordinating with underwriters and other departments within the organization to ensure that all loan transactions are handled smoothly.
- Tracking loan payments and delinquencies and resolving delinquent accounts by contacting borrowers or their representatives.
- Recommending changes to policies to improve the efficiency of the lending process.
- Reviewing loan requests, conducting credit checks on applicants, and determining whether loans should be approved or rejected.
- Determining whether a borrower has the ability to repay a loan according to the terms of the agreement.
- Reviewing loan documentation and closing loans by signing off on final documents.
Assistant Branch Manager (Operation)
Bajaj Housing Finance Ltd
12.2021 - 09.2022
- Checking and disbursing files for SHL, SHOL, Mortgage B2C, and HNI departments. (Fresh Purchase, Resale, Under Construction, Balance Transfers, LAP Cases)
- Coordinate with the Sales, Credit, and Collateral teams for the disbursement process.
- Check pre-, post-disbursal, and OTC documents received in the system, and dispatch to HO via courier service within TAT limit.
- DSA & Connector, I-Force documents checking, code generation, coordination with the sales team for any query, and resolve within TAT.
- Track and maintain daily MIS for FILE, PDD, cheque handover to sales or lawyer, DSA, and connector, I-Force documents.
- Mail management on a daily basis and query resolution on a priority.
- Support the handover of original documents to the customer after the foreclosure of the loan.
- Checking and uploading documents in the loan management software Pennant for the disbursement process and post-disbursal audit purposes.
- Coordinate with the customer for e-mandate registration.
- Spearheaded branch initiatives for growth in sales, loans, and other services, resulting in increased revenue generation.
- Evaluated staff performance regularly, providing constructive feedback for continuous improvement and career development opportunities.
- Facilitated inter-departmental collaboration to optimize overall branch functionality and cohesion.
- Reduced operational costs through diligent expense management and efficient resource allocation.
Back-office Collateral Operation Support Executive
Bajaj Housing Finance Limited
01.2021 - 12.2021
- Keep track of the daily movement of legal and technical visits related to housing loans initiated by the sales team.
- Vendor handling involves coordinating with them to address their queries regarding initiation cases within TAT limitations.
- Creation of an assessment draft for the technical team for their visit, and a vetting report for the legal team.
- Handling loan management in Pennant software for case movement from the sales team through our collateral team to the credit team.
- Vendor invoice handling for monthly payment.
- Maintaining daily, weekly, and monthly MIS for the track record of case initiation, query management, and case movement to final approval for the credit team for higher management.
Sales Coordinator
BAJAJ FINANCE SERVICES
09.2019 - 07.2020
- Keep contact with sales team to disburse their file on daily basis by completion of all the system & manual form fill up.
- Maintain daily MIS for daily approval disbursal & shortfall of weekly target.
- Keep record for each employee as per performance.
Processing Officer
HDB Financial services
04.2016 - 01.2019
- Successfully handling NACH Mandate process end to end & forward it to NPCI (National Payment Corporation of India) for further process.
- Creation of MIS in excel for data handling.
- Handling customer related query from branch related to ACH Mandate through mail or by direct contact through HDFC Branch eastern region.
- Creation weekly & monthly MIS on total Disbursement & total process & unprocessed of various loans (Auto loan, Two-wheeler loan, Business Loan, Personal Loan, LAP etc) within the time limit set by HDFC Bank.
- No of ACH mandate cases Accepted/Rejected/Pending to NPCI registration (registration is required for auto EMI debit process by the bank) within time limit (5-10days,10-20days, more than 20days bucket) state wise.
- Reconciliation of original invoice of customers received from branch end & other department with proper ID & details maintain track record for next level of activity.
Education
B. Com -
C.U
01.2011
H. S - undefined
W.B.C.S. E
01.2007
Madhyamik - undefined
W.B.B.S. E
01.2005
Skills
Basic knowledge of computer
Interests
Watching movie
Listening to music
Karate-Do (JKA)
Karate Qualification
1st DAN Black Belt
Personal Information
- Religion: Hindu
- Date of Birth: 16.03.1989
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Hobbies
Karate-Do(Completed Black Belt Degree in Martial Art), Watching Movies, Travel & Explore diffrent area, Listening Music in free time
Timeline
Deputy Manager in Retail Assets Operation
RBL Bank Ltd
07.2024 - Current
Disbursement Officer
Protium Finance Ltd
09.2022 - 07.2024
Assistant Branch Manager (Operation)
Bajaj Housing Finance Ltd
12.2021 - 09.2022
Back-office Collateral Operation Support Executive
Bajaj Housing Finance Limited
01.2021 - 12.2021
Sales Coordinator
BAJAJ FINANCE SERVICES
09.2019 - 07.2020
Processing Officer
HDB Financial services
04.2016 - 01.2019
H. S - undefined
W.B.C.S. E
Madhyamik - undefined
W.B.B.S. E
B. Com -
C.U