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Tuladri Mallick
Senior Manager In Credit Underwriting - Mortgages
Kolkata
Summary
Seasoned financial expert with 13 years in financial analysis and credit risk management. Skilled in enhancing operational efficiency and ensuring regulatory compliance while establishing robust financial controls. Demonstrated leadership in loan structuring and team management, with a focus on effective audit practices and relationship management. Known for implementing streamlined systems and mitigating risks, driving growth and operational success.
Overview
3
3
Languages
14
14
years of professional experience
Work History
Senior Manager, Credit Underwriting - Mortgages
HDFC Bank Ltd.
11.2019 - Current
- Approved mid-size and high-value mortgage loans up to Rs 60 crores.
- Mitigated credit risks through thorough assessment of clients' operational details.
- Spearheaded a team of 6 credit underwriters to enhance operational efficiency.
- Underwrote loans simultaneously for two prime locations: West Bengal and Jharkhand.
Chief Financial Officer and Manager
Williamson Magor & Co. Ltd.
08.2013 - 11.2019
- Oversaw financial operations for group companies managing assets exceeding Rs. 2000 crores.
- Directed team of 9 in overseeing regular accounting and bookkeeping while addressing various audit requirements.
- Managed internal and statutory audits with a focus on compliance and efficiency.
- Delivered meticulous financial statements to audit committee and board, ensuring successful compliance
- Demonstrated outstanding financial leadership as chief financial officer for listed entity williamson magor & co. ltd. on both bse and nse.
- Directed financial strategy formulation to optimize profitability and operational efficiency.
- coordinating with regulatory bodies and ensuring successful submission of monthly, quarterly, half-yearly, and annual returns as well as facilitating inspections by various regulators per statute.
- Managed accounts payable and receivable to monitor income and expenditures, ensure statutory compliance, and deliver quantitative financial information.
- Counseled Board of Directors regarding strategic financial matters, offering insightful recommendations supported by comprehensive analysis.
Senior Audit Assistant
De Chakraborty & Sen, Chartered Accountants
09.2012 - 07.2013
- Developed and maintained Fixed Asset Register in alignment with Accounting Standards and CARO 2003 Norms.
- Actively contributed to team efforts in finalizing diverse Statutory Audit
- Proficient in CBD environment in bank.
- Led as a part of internal audit team, delivering impactful results.
- Computed and filed Income Tax Returns for client.
- Ensured compliances with various statutory requirements, managing accounting activities.
- Mentored junior staff on audit methodologies and best practices for improved performance
- Managed diverse corporate clients like Coal India Ltd, SAIL, and West Bengal Essential Commodities Supply. Cultivated strong relationships with key stakeholders to enhance service delivery. Coordinated corporate strategies to meet client needs effectively. Oversaw project execution ensuring alignment with client expectations.
Education
CA (Final) - undefined
Institute of Chartered Accountants of India
01-2012
CA intermediate (PE-II) - undefined
Institute of Chartered Accountants of India
01-2008
B.Com. (Finance) -
University of Calcutta
01-2008
B.Com. (Hons.) - undefined
University of Calcutta
01-2006
12th - undefined
CISCE
01-2003
10th - undefined
CISCE
01-2001
Skills
Financial analysis expertise
Efficiency optimization
Leadership and team dynamics
Stakeholder relationship management
Loan structuring techniques
Credit risk oversight
Controls and audit processes
Tax compliance and auditing
Regulatory adherence
Strategic leadership capabilities
Analysis of financial reports
Comprehensive risk management
Accomplishments
- Attained recognition by the Board of Directors, securing prestigious role of Chief Financial Officer of the Listed Company Williamson Magor & Co. Ltd which is listed on both NSE & NSE.
- Received recognition card twice from current employer HDFC Bank for consistently and successfully underwriting high value loans.
- Received recognition card from team members for being an excellent mentor and support.
- Received staff reward of Rs 5000 ( Silver Grade) for consistently and successfully underwriting high value loans.
Interests
Timeline
Senior Manager, Credit Underwriting - Mortgages
HDFC Bank Ltd.
11.2019 - Current
Chief Financial Officer and Manager
Williamson Magor & Co. Ltd.
08.2013 - 11.2019
Senior Audit Assistant
De Chakraborty & Sen, Chartered Accountants
09.2012 - 07.2013
10th - undefined
CISCE
12th - undefined
CISCE
B.Com. (Hons.) - undefined
University of Calcutta
CA intermediate (PE-II) - undefined
Institute of Chartered Accountants of India
CA (Final) - undefined
Institute of Chartered Accountants of India
B.Com. (Finance) -
University of Calcutta