Arup Karmakar

Operations Associate

Rajarhat, West Bengal, India4 yrs 10 mos experience

AI Enabled

Key Highlights

5 years of experience in Credit & Risk Operations.
Expert in managing credit operations across multiple branches.
Certified in various financial analytics and operations skills.

Stackforce AI infers this person is a Credit Operations Manager with expertise in Fintech and Risk Management.

Contact

Skills

Core Skills

Credit OperationsTrainingData MonitoringLoan ProcessingCash HandlingCustomer ServiceLoan OperationsCustomer Handling

Other Skills

Document VerificationCustomer SupportMIS PreparationLoan Sanction AuthorityMIS PublishingBranch MonitoringTransaction OperationsLoan DisbursementBranch AuditEnglish Typing Knowledge_40 Words/MinsMicrosoft Excel/Word/PowerPointTypes Of Cyber SecurityAnalytics in Risk & FinanceData Analysis Using ExcelCredit Analysis in Banking

About

Having 5 years experience in NBFC & BFC with high knowledge in Credit & Risk Operations.

Experience

4 yrs 10 mos

Total Experience

1 yr 2 mos

Average Tenure

Current Experience

Midland microfin ltd

State Process, Credit & Training Manager (West Bengal & Assam)

May 2025 – Mar 2026 · 10 mos · Manicasa (Newtown, Kolkata-WB) · Hybrid

♻️Promoted From "Regional Credit & Risk Manager"♻️
✴️ Handling a Team Of Total West Bengal & Assam State (42 Branches) Credit Operations.
✴️ To Ensure Branches Document Verification, LUC, Credit Underwrite, File Processing & Customer Support Of All Branches in West Bengal.
✴️ To Ensure Documents Receivance Of Pending File & Death Cases Within TAT From Branch Team.
✴️ To Do MIS Preparation & Share With All Teams Over Mail Regarding Pending Files Of Branch, Which is Hold For Any Discrepancies.
✴️ To Ensure Verification & Reconciliation Of CPP Products Available in Branches to HO Server.
✴️ To Ensure Credit Related Training in The Assigned Region.
✴️ Mandatory Visit to Fraudulent Branches & Facilitate The Audit & Vigilance Team to
Scan The Portfolio.
✴️Creates Operational Con-calls Weekly to Address The Credit Related
Challenges & Support Required, Risk Alert etc.

Credit OperationsDocument VerificationCustomer SupportMIS PreparationTraining

Vfs capital

BC Operations Executive (Head Office-WB)

Mar 2024 – Apr 2025 · 1 yr 1 mo · Eco Space Business Park (Kolkata, West Bengal) · On-site

✴️ Central Operations (Branches Disb. & Collection)
✴️ Central Credit Team, Data Monitoring.
✴️ JLG Loan Sanction Authority.
✴️ Company Overall MIS Published.
✴️ Loan Review & Process.
✴️ Business Corresponding (BC-YBL) Executive.
✴️ Tracking Business Overview.
✴️ Handling 21 Branches_Overall Data as Per YBL BC Records & Responsibilties.
✴️ Loan NEFT Process & Disbursement Confirmation.
✴️ Overview The Overall Audit Observations.
✴️ Branch Visit & Monitoring.
✴️ Overdue(OD) & Fraud Monitoring, etc.

Data MonitoringLoan Sanction AuthorityMIS PublishingBranch MonitoringLoan Processing

Bandhan bank

Assistant Manager (Teller/Cashier)

Aug 2023 – Mar 2024 · 7 mos · Esplanade (Kolkata, West Bengal) · On-site

✴️ Cash Handling (Head Cashier/Teller).
✴️ Transaction Operations (NEFT/RTGS).
✴️ Transactions Authorizer.
✴️ Petty Cash Handling.
✴️ Cheque Clearing.
✴️ Account Processing/Opening.
✴️ Cross Selling(CASA).
✴️ TPP Sales(LI/GI).
✴️ Effort On Customer Service.
✴️ Maintain Bank Registers.
✴️ Monitoring SB/CA Accounts Transactions.
✴️ Other Branch Operations Activities, etc.

Cash HandlingTransaction OperationsCustomer Service

Svatantra microfin pvt. ltd.

Branch Operations Manager (Cluster BOM)

Mar 2021 – Jul 2023 · 2 yrs 4 mos · Sagardighi (Murshidabad, West Bengal) · On-site

✴️ Documents Verification & Loan Disb. Process.
✴️ Credit Check Team.
✴️ Cash Handling (Branch Petty Cash).
✴️ Insurance Claim & Further Processing.
✴️ MIS Published.
✴️ Customer Handling.
✴️ Branch Audit Grading, Register & Assets Maintain.
✴️ Petty Cash Management.
✴️ Loan Disbursement, Operations Work.
✴️ Calling to Customer For Different Type Verification (Like LUC, Disb. Confirmation, Collection Confirmation etc.)
✴️ Report & Data Maintain.
✴️ Advance Knowledge in Microsoft Excel, MS Words & MS Power Point, etc.