Sohini Dutta
Kolkata
Summary
Leadership-oriented professional with strong communication, organizational, and interpersonal skills. Proven ability to manage responsibilities, collaborate with teams, and drive results in various environments. Experienced in team management, task allocation, conflict resolution, and maintaining productivity. Proficient in Microsoft Office and Teams for efficient task execution.
Overview
3
3
years of professional experience
Work History
Assistant Manager
Bandhan Bank
Kolkata, West Bengal
08.2023 - Current
- Monitored and Managed diversified Credit Portfolios across NBFC, MFI, BBG & LAP segments in line with internal policies and regulatory norms.
- Ensured timely renewal enhancement, rollover and closure of Credit facility limit, maintaining portfolio hygiene and minimising operational & Credit Risks.
- Conducted post-disbursement monitoring, tracking financial covenant, borrower performance, repayment trends and compliance with Sanction terms to ensure asset quality.
- Supported credit decision-making by delivering periodic monitoring reports, risk insights, and portfolio health updates to stakeholders, enhancing overall credit risk management.
- Coordinated with Relationship Managers and Risk Teams for timely credit reviews and renewals.
- Streamlined credit processing turnaround times through efficient coordination and process improvements, contributing to enhanced service delivery.
- Identified EWS and escalated potential risks proactively.
- Reviewed financial statements, stock statement, book debts and audit reports for effective credit evaluation.
- Handled end-to-end documentation verification and compliance checks for corporate clients, ensuring accuracy and completeness of credit files to support informed decision-making.
- Skilled in tracking loan performance, repayment behaviour, and limit utilisation to identify early warning signals.
- Proficient in covenant monitoring, exception reporting and escalation of irregularities.
- Skilled in analysing PSL data, preparing reports, and tracking sector wise performance as agriculture, MSME, and other Priority Segments to ensure accurate classification and compliance with PSL Norms.
- Focused on maintaining asset quality, ensuring compliance and supporting effective credit risk control.
- Detail-oriented professional with around 3 years' experience in Credit Monitoring under Credit Administration function.
Education
MBA - FINANCE
INSTITUTE OF ENGINEERING AND MANAGEMENT
Kolkata, WB01-2020
BBA -
B.P. Poddar Institute of Management and Technology
Kolkata, WB01-2017
WBCHSE -
Laban Hrad Vidyapith for Girls
Kolkata, WB01-2015
WBBSE -
Holy Child Institute
Kolkata, WB01-2013
Skills
- Risk assessment
- Portfolio monitoring
- Documentation verification
- Process improvement
- Microsoft Office
- Analytical thinking
- Decision making
- Problem solving
- Team collaboration
- Relationship management
Languages
English
Bengali
Hindi
Hobbies and Interests
- Reading Books
- Listening to Music
Interests
- Reading Books
- Listening to Music
Timeline
Assistant Manager
Bandhan Bank
08.2023 - Current
MBA - FINANCE
INSTITUTE OF ENGINEERING AND MANAGEMENT
BBA -
B.P. Poddar Institute of Management and Technology
WBCHSE -
Laban Hrad Vidyapith for Girls
WBBSE -
Holy Child Institute