Jul 2014 – Present · 11 yrs 10 mos · Kolkata, West Bengal, India · On-site

• Managed a ₹78 Cr loan book across asset portfolio of bank branch, driving 25% YoY growth in retail, housing, SME, and agri lending.
• Conducted credit analysis and underwriting for SME, agri, and commercial loans using GST returns, cash flow, balance sheet, and P&L statements.
• Screened and appraised loans for housing, working capital, LAP, personal, auto, JLG, and SHG products with strict regulatory compliance.
• Enhanced underwriting standards, improving portfolio quality and sustaining 25% YoY growth.
• Performed KYC/due diligence using RBI defaulter lists, CIBIL, UIDAI, CERSAI, and Income Tax portals, mitigating onboarding risks.
• Reported AML red flags to the AML cell in line with RBI/FIU-IND guidelines, ensuring compliance.
• Designed compliance dashboards (Excel, VBA) that reduced operational breaches by 30% in one year.
• Led recovery via OTS, SARFAESI actions, demand notices, Lok Adalats, and legal suits, cutting bad debts by 20%.
• Directed branch budgeting and forecasting using SAP Financials and Excel Power Query, enabling accurate quarterly reviews.
• Conducted churn analysis of transaction data, improving customer retention and 30% increase in cross-sell uptake.
• Delivered operational support to corporate clients — CMS, cheque clearing, reconciliations, and vendor management.
• Managed retail operations: RTGS, NEFT, CTS, FD booking, account opening, deposits, salary payments, government transactions, improving satisfaction and deposit mobilization.
• Coordinated with RBI Issue Department for E-Kuber operations, currency chest transactions.
• Handled trade finance products ensuring accuracy and compliance.
• Reported daily chest transactions to treasury; raised GST invoices for RBI clearances.
• Successfully completed RBI currency chest audits with zero lapses.