Suswapan Chakraborty
Technical Credit Manager
Kalyani
Summary
Within Next 3 years want to be a lead a team in Credit Dept. with help of SMART (Specific, Measurable, Attainable, Realistic, and Time-bound) thought process.
Dynamic and results-oriented Technical Credit Manager with extensive experience in credit analysis and risk assessment. Successfully improved loan approval turnaround time by 27.85% through a streamlined evaluation process and reduced default rates by 11% over two years by identifying potential risks. Proficient in compliance, regulatory adherence, and developing tailored financial solutions, I bring value by enhancing operational efficiency and fostering client satisfaction in a competitive market.
Overview
14
14
years of professional experience
5
5
years of post-secondary education
Work History
Technical Credit Manager
HDFC Bank Ltd
07.2020 - Current
- Oversaw the credit analysis and risk assessment processes for a diverse portfolio of commercial clients, ensuring compliance with company policies and regulatory requirements while providing strategic guidance to the credit team
- With coordinate of Business team & RBB preparing CAM & PD for high value customer, to minimize the risk and to ensure repayment capacity
- Improve loan approval turnaround time by 27.85% by implementing a streamlined credit evaluation process, leading to increased efficiency and higher client satisfaction rates
- Conducted comprehensive reviews of credit applications, resulting in the identification and mitigation of potential risks that decreased default rates by 11% over two years
- Initiated a training program for junior analysts & GL Valuers, enhancing their understanding of credit risk assessment criteria, which resulted in a 95% improvement in the accuracy of initial credit evaluations
- Collaborated with cross-functional teams to develop tailored financial solutions for clients, boosting the portfolio size by 43.43% of Jan'25(compare to Jan'24) through successful negotiation of credit terms and conditions
- Being a 2nd Level (L2) authorizer, currently managing 84 branches (while visiting physically) of West Bengal of GL Credit related issues or queries to meet ultimate goal of GL disbursement
- Moreover, mentoring of entire West Bengal, Jharkhand and North East State's Locations Branches with the help of other 3 technical managers which consist of total 263 branches
- Managed and supported GL appraiser or Agency appraiser of more than 323 nos of entire West Bengal & North East location branches as per bank branch requirement
- Monitoring or approving the M2M losses during the time of GL Auction in entire East locations branches as one of the 2nd Level authorities
- Monitor or approve the high value disbursement and critical items with support of 2nd or 3rd level valuations of customer ornaments or jewelry whenever bank branch required
- Provide training to our main/sub appraisers, main agencies and our bank branch operations staffs, regarding our bank process and update information as per time to time basis
- At the time of branch visit, resolve & rectified the issues of branches regarding our bank process/policies of our appraisers and bank branch OPS teams
Audit senior associate
IIFL Finance Ltd
12.2015 - 04.2020
- Led a team of auditors in conducting complex financial audits, ensuring compliance with regulatory standards and identifying potential areas for improvement
- Developed and implemented audit procedures to streamline processes and increase efficiency, resulting in a 20% reduction in audit completion time
- Collaborated with cross-functional teams to assess risk factors and develop risk mitigation strategies, ultimately leading to improved financial controls and accuracy
- Presented audit findings and recommendations to senior management, facilitating informed decision-making and driving continuous improvement initiatives across the organization
- Assisted 12 branches with various audit quarries by periodically visit in District of Malda, North & South Dinajpur district from 09.09.2019 primarily and more 270 approx branches in different location of three states like West Bengal, Tripura & Assam for audit purpose periodically
- Monitoring branches for presence irregularities through find out malpractices & irregularities according to company norms
- Ensuring and rectified the issues against branches for external audit purpose (according to company norms)
- Maintain the smooth procedure of company within the customer service of branches
- Providing the basic training and development by building a team had outstanding operations skills and knowledge within the business branches
Account executive
Muthoot Finance Ltd
08.2013 - 12.2015
- Developed and maintained relationships with key accounts, resulting in a 20% increase in revenue within the first year
- Negotiated contracts and pricing agreements with clients, achieving a 15% profit margin improvement
- Created customized sales presentations and proposals to effectively communicate product benefits and drive sales growth
- Collaborated with cross-functional teams to ensure seamless execution of client campaigns and initiatives, leading to high customer satisfaction ratings
- Decision-making & managing the Branch to run the Financial Business & client servicing smoothly
- Also adherence to compliance, Branch financing/banking guidelines norms in order to match to the NBFC’s standards at its best
- Ensuring relationship maintenance through Client Servicing, New Customer acquisition, Generating More revenue through Mortgage Loan & other Service Income Generation, Ensuring Compliance as per NBFC’s own circular & RBI guidelines
Business development executive
Axis Bank Ltd
07.2011 - 01.2013
- Spearheaded strategic partnerships with key industry players, resulting in a 20% increase in market share within the first year
- Developed and implemented innovative sales strategies that led to a 40% growth in revenue year over year
- Cultivated and maintained strong relationships with clients, resulting in a 95% client retention rate and increased referrals
- Collaborated with cross-functional teams to launch new products and services, driving a 25% increase in overall profitability
- New Clients Acquisition Including Corporate, Financial Intermediaries, High network Individuals etc
- Managing Relationships with existing clients, resolving escalated client issues and facilitating tech-support
- Working closely with company top-management and ensuring smooth workflow and processes
- Interacting with Client offices in Kolkata for facilitating client’s network and imparting awareness of knowledge banking
Education
Marketing/Finance
EIILM
01.2008 - 12.2009
Accounts
Chalkdha College
07.2004 - 06.2007
Skills
Credit Analysis
Accomplishments
- HDFC Bank Ltd
- Promoted as Manager from Deputy Manager on 12/2023.
- Receive 'Silver Star Award' consecutively for 4 years as 2023, 2024 & 2025 against maintaining and enhancing the better compliance performance.
- Work as mentor in West Bengal, Jharkhand & North East States within East region of HDFC Bank Ltd within GL Credit Department.
- IIFL Finance Ltd
- Achieved 'Golden Globe Award' of 2017-18, 'Silver Globe Award' of 2018-19 and 'Golden Globe Award' of 2019-20 for maintaining and enhancing the best audit & compliance performance for consecutively last 3 years.
- Ensuring smooth coordination of various departments leading to good interpersonal relations and translating the same to operational excellence.
- Tracking Audit irregularities and its compliance of various branches.
- Significant contribution to Branch Operation and Service quality through all the staff Members of Branches to develop all along at the end of FY.
Personal Information
Nationality: Indian
Timeline
Technical Credit Manager
HDFC Bank Ltd
07.2020 - Current
Audit senior associate
IIFL Finance Ltd
12.2015 - 04.2020
Account executive
Muthoot Finance Ltd
08.2013 - 12.2015
Business development executive
Axis Bank Ltd
07.2011 - 01.2013
Marketing/Finance
EIILM
01.2008 - 12.2009
Accounts
Chalkdha College
07.2004 - 06.2007
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