Summary
Overview
Work History
Education
Skills
Certification
Hobbies and Interests
Timeline
Generic

Subhankar Dhar

MUMBAI,MH

Summary

Experienced and dedicated banker with a proven track record in compliance, risk management, retail banking, and treasury. Seeking an engaging role in risk management to utilize my strong analytical, problem-solving, and communication skills in contributing to a robust and resilient risk framework. Successfully cleared FRM Level 1, demonstrating commitment to professional development and expertise in the field.

Overview

10
10
years of professional experience
1
1
Certification

Work History

Manager| Credit Risk Monitoring

CANARA BANK
06.2024 - Current
  • Managed and monitored a credit portfolio of INR 80 Cr,
  • Maintained a low delinquency rate (2%) for high-value SME credit within the designated area of operation, demonstrating effective risk assessment and management skills.
  • Monitored and analyzed key risk indicators (KRIs) for the SME portfolio to ensure compliance with internal risk appetite and enhance capital adequacy for the bank.


Manager | Compliance & Risk Management Dept.

CANARA BANK
06.2022 - 06.2024
  • Regulatory Compliance: Adhering to laws and regulations as per Bank’s policy and RBI guidelines
  • Risk Management: Identifying, assessing, and mitigating risks by conducting Risk Based Internal Audits (RBIA)
  • Internal Controls: Establishing and maintaining systems to prevent fraud and ensure accuracy
  • Corporate Governance: Promoting ethical conduct and sound governance practices
  • AML/KYC: Implementing KYC AML guidelines as per regulatory guidelines.
  • The department worked closely with other departments and played a vital role in safeguarding the bank's financial stability and reputation
  • Successfully upgraded 5 branches from High Risk to Low Risk.
  • Achieved 100% Spot rectification during Internal Audit in more than 25% of branches under review.


Manager | Branch Head

CANARA BANK
08.2021 - 05.2022
  • Conducted credit risk assessments, analyzing borrower profiles, and evaluating loan applications across various product segments
  • Monitored loan portfolios, identifying and mitigating credit risk through proactive measures
  • Contributed to business growth (20%) while maintaining a healthy credit quality (NPA below 3%) within a rural branch

Manager | Treasury

CANARA BANK
06.2018 - 07.2021
  • Streamlined international payment processes by implementing SWIFT solutions, significantly reducing transaction times, and associated operational risks
  • Managed correspondent bank relationships (RMAs) and monitored nostro accounts to mitigate operational and financial risks
  • Developed and maintained key risk indicators (KRIs) through comprehensive MIS reports and dashboards for executive management
  • Oversee a 440 Cr Venture capital portfolio, conducting due diligence and risk assessments on potential investments
  • Monitor portfolio company performance and prepare risk reports for senior management, including bi-monthly reports for the MD & CEO
  • Collaborate with VCFs to develop and implement risk mitigation strategies and maximize portfolio returns
  • Pre and post due diligence and monitoring of Entire Non SLR investments portfolio.

Assistant Manager/ Officer

CANARA BANK
10.2015 - 06.2018
  • Managed retail lending and asset management for a high-volume Canara Bank branch exceeding INR 1000 Cr
  • Conducted credit risk assessments by analyzing financial statements, credit reports, and ensuring compliance with regulatory guidelines

Assistant

DENA BANK (Now BANK OF BARODA)
06.2015 - 10.2015
  • Job profile includes looking after various teller transactions including cash management, Funds Transfer etc.
  • Increased customer service success rates by quickly resolving issues.

Education

Bachelor of Science - Mathematics Honors

Kalyani University

Skills

  • Risk assessment and mitigation
  • Compliance management
  • Credit analysis and underwriting
  • Credit Monitoring
  • Risk Based Internal Audit (RBIA)
  • Derivatives
  • Foreign Exchange Operations
  • MS Office
  • Data Analysis and Reporting
  • SWIFT Operations
  • Decision-making
  • Customer relations

Certification

  • GARP- FRM Part I
  • IIBF- Risk in Financial Services (CISI L-1)
  • IIBF- Certificate Course in KYC and AML
  • IIBF- Certified Credit Professional (CCP)
  • IIBF- JAIIB & CAIIB

Hobbies and Interests

  • Reading Self-help Books , Personal finance and Investments related books
  • Landscape Photography and trekking.
  • Volunteered for CRY for 4 months

Timeline

Manager| Credit Risk Monitoring

CANARA BANK
06.2024 - Current

Manager | Compliance & Risk Management Dept.

CANARA BANK
06.2022 - 06.2024

Manager | Branch Head

CANARA BANK
08.2021 - 05.2022

Manager | Treasury

CANARA BANK
06.2018 - 07.2021

Assistant Manager/ Officer

CANARA BANK
10.2015 - 06.2018

Assistant

DENA BANK (Now BANK OF BARODA)
06.2015 - 10.2015

Bachelor of Science - Mathematics Honors

Kalyani University

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Subhankar Dhar