I am passionate about crafting, executing innovative, and highly lucrative business models. A result-focused, versatile, highly experienced, resourceful, and accomplished Leader with record achievement in Credit Risk Analysis, Risk & Fraud Management, and Human Resource Acumen carrying a strong motivation and team leadership with a bottom-line corporate focus and a result-driven attitude. I thrive around promoting sustainable growth and profitability and boost the digitally-led banking & financial industry loaded with a full spectrum of banking products and services. Looking for an opportunity to fully utilize my banking & financial skills in credit risk AML/KYC analysis, branch operations, HR operations skills, while making significant contributions to the success of the company.
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Experience
• Deputy Bank Manager Canara Bank, Mumbai, India 11/1999 TO Till Date
• Senior Accountant India Government Mint, Kolkata, India 08/1995 TO 11/1999
• Sales Executive Newton Distributors Pvt. Ltd., Asansol, India 02/1989 TO 07/1995
• Credit Risk/Fraud Analysis: Proficient in building credit-scoring or risk models, credit analysis, credit limits setting, credit settlements, compliance, and credit recovery in tune to emerging risks factor for KYC/AML/CDD/CID, FATCA/CRS, and Basel-II norms.
• Banking Operation, Banking Technology & Process Management Skills: Identifying operational risks, handled complex core banking operations, management initiatives, defined development structuring, handling, and managing bank products and services.
• Cash Management Services(SMS): Handling cash management operations, tracking cash movements, executing all tasks under CMS, ensuring large scale proliferation of the solutions to vendors, and ensuring financial obligations are met by the organization.
• Cards & Card Risk Management: Prepared Business Requirement Document (BRD) for system implementation and integration ensuring Credit card credit policy management. Managed and controlled to stay the branch businesses abreast of financial crime risk trends and modern fraud tricks.
• Customer Relationship Management: Reviewed customer feedback and behavioral reports to increase the satisfaction rate from 75% to 98% by building sustainable customer relations for extra miles which led to the cross-selling of many bank products & services.
• Operational Excellence and Managerial Skills: Bestowed excellent managerial skills to lead, managed the wealth of HNI, large, complex clients up to US$40mn. Looked into business function risk management. Passionate to manage operational faults through Critical Thinking & Solutions.
• Business Development Management: Consistently surpassed sales targets of Bank ancillary products - Insurance, and Mutual Fund by an average of 118% for working closely with BD Managers and led successfully the marketing teams to clear sales volume.
• People Management Affairs(HR): Successfully overseen the entire gamut of human resources management for over 2500 industrial manpower and managed daily operations of a $1M+ under budgetary allocation of on an average of $264M per annum for over 4 consecutive years.
• Project Management Coordination(PM): Strong communication and conflict resolution management skills and worked effectively with multiple members of the project team and delivering projects independently in liaison with vendors & stakeholders like MMTC Ltd.