This document provides the professional profile and experience of Manoj Kumar Mukhopadhyay. It summarizes his experience working for Manappuram Finance Ltd. in Kolkata, India since 2015 where he has held several roles including Credit, Risk, Operations and Marketing Assistant Manager. In this role, he oversees credit underwriting, risk management, operations, sales team management, and ensures quality customer service and compliance. He has over 10 years of experience in banking, financial services and insurance industries.

1. MANOJ KUMAR MUKHOPADHYAY
C/O: MANAPPURAM FINANCE LTD.(Kolkata )
E-mai : manojmukherjee79@hotmail.com
manojmukherjee06@gmail.com
Cell no: 7278452489 (KOLKATA),
PROFESSIONAL PROFILE
Successful finance professional with proven abilities in a variety of broad based competencies. Proven Chief Executive
Officer Skills with improvement in efficiency, productivity and accuracy. Highly accomplished and skilled professional
with a successfully track record in FINANCIAL/INSURANCE/BANKING industry. Demonstrated abilities in
delivering optimal result through process initiatives that exceed operational performance targets and yield measurable
out comes.
- Operational improvement - Office all Service and Reduced TAT in processing cycle
- Productivity gain - Cost reduction through improved process performance.
----------------------------------------PROFESSIONAL EXPERIENCE-------------------------------
Position: CREDIT, RISK , OPERATION & MARKETING ASST MANAGER, in LAP /HL/GL/CL
(MANAPPURAM FINANCE Ltd in RAJARHAT Regional Branch
(Kolkata) from April 2015 ) : My ability to delegate supervision of day-to-day operations to staff
in H.O. to branch BANKING /FINANCIAL/ INSURANCE /BROKING : Responsibilities:
Oversee the under writing of the loans in the Hub region.
• Evolve underwriting norms customized to the local market needs and update the U/W bulletins.
• Work closely with the S & D team & support on offering innovative product offerings.
• Liaison with the Underwriting Head at the HO and creates templates.
• Review the underwriting process at Hub level.
• Decision on IHLs cases based on MFL policies, processes and merits of the case.
• Approve projects in the hub region.
• Forward request beyond the statutory limit to the HO.
• Work closely with the CGM risk on builder financing approval related issues.
• Manage external agents involved in the verification process.
• Co-ordinate with the recoveries team and generate business insights.
• Responsible for technical evaluation of properties in the hub region.
• Formulate technical evaluation processes and policies in the hub region.
• Manage the technical evaluation process across the organization.
• Manage the legal evaluation process in the Hub region.
Responsible for fraud management and risk mitigation activities :
Credit & Risk Management:
Credit underwriting for personal loans /open market / Drafting credit policy/ Implementing Credit policy at field /
Credit Risk Management for Open market / Personal Loans portfolio management/Livestock Loan portfolio
management/Housing Loans portfolio management/ Report writing and MIS skills / Handling team above 10
people / Field visits and customer visits, Collections experience for personal lending, Credit Assessment studies
of markets, Policy escalations, Monitoring Trainings
Il Credit Appraisal And Sanction
Oversee IL loan approval process for East Region IL Loan Files
Verification of filled up application forms for completeness
Verification of documents to examine whether they are filled up properly and adequately stamped

2. Error Rate Tracking for LOs
Implementation Of Credit Plan
Ensure that the Product program is properly followed
Incorporate credit inputs into the product program relating to the region
Forward new Credit related findings to RCM for inputs in individual lending.
Personnel Recruitment Training & Sanction
Enable recruitment of Credit Analysts with familiarity in micro finance meeting minimum requirements in terms
of experience & exposure (and other criteria to be set out)
To train the recruits in efficiently and productively performing the desired work
To prepare the IL training modules
To involve and conduct IL credit training /IL Collection for CRS/CRM and East Region credit staff and Field
Staff.
Ops Risk Management & Fraud management:
a) Ensure continuous monitoring of key risk indicators for branches, and implement control measures.
b) Support implementation of all initiatives initiated by HO towards overall Operations risk management and
Fraud Prevention & control.
c) Mentor & train BSD team, towards Ops Risk Management & fraud prevention and control.
d) Accurate and timely reporting towards all Ops Risk related issues & Loss data to the HO.
e) Continuous monitoring & testing of the control measures implemented in the BSD function towards Ops Risk
Management & Fraud Management.
Operation & Disbursement Management:
Ensure proper MCP check Quality
Ensure Timely TVR, CIBIL checks and trigger for verification. All TAT goals to be met.
Disburse files only after ensuring that all documentation is complete and all relevant information, asavailable
from app form and PD has been entered in the system
Process and Policy Compliance & Fraud Control
Ensure proper MCP check Quality
Ensure Timely TVR, CIBIL checks and trigger for verification. All TAT goals to be met.
Disburse files only after ensuring that all documentation is complete and all relevant information, asavailable
from app form and PD has been entered in the system
Process and Policy Compliance & Fraud Control
Monitor and ensure process and policy adherence at the branch across all levels in line with theguidelines / policy
that are rolled out from time to time.
Ensure completion and correctness of customer files.
Ensure high audit scores by reducing error rates while delivering on the policy and processrequirements.
Ensure proper reporting of branch defects / non compliance
Ensure upfront screening / RCU activities
Monitor and ensure process and policy adherence at the branch across all levels in line with theguidelines / policy
that are rolled out from time to time.
Ensure completion and correctness of customer files.
Ensure high audit scores by reducing error rates while delivering on the policy and processrequirements.
Ensure proper reporting of branch defects / non compliance
Ensure upfront screening / RCU activities
Customer Service & Complaints Management :
Handle & resolve all customer queries & complaints
Track all complaints & initiate corrective action, where required
Coordinate with central ops for foreclosure / account statements / PDC swaps etc.
Branch Administration & Branch Costs Management & Control
Manage all branch administration / maintenance activities
Tightly manage all branch costs & continuously find opportunities to reduce costs
Keyskills Of Operations :
Operations Banking Operations branch operations bfsi operations nbfsi ops insurance ops Operations
Management Crisis Management Investors Relation

3. Sales Team Management: To Building & managing a direct sales team for distributing Home Loans
& LAP from out distribution partner, Bank to open market customers and own customers.
Key Accountabilities: To lead the team of 15 - 20 Sales officers and ensure effective sales
management and achievement of business targets.
Responsible for managing a successful and smooth relationship with team.
Should develop builder / referral relationships to generate enough leads for selling home loans &
LAP. Should be able to train, coach and guide the sales officers in terms of knowledge, sales
skills and customer orientation.
Job Duties & Responsibilities: - Achieving/Exceeding the sales targets .Managing the sales team with high result
orientation & positive spirit.
Sales Key Skill : HOME LOANS LAP HOME FINANCE MORTGAGES HOUSING FINANCE
Broad Idea of Processes / Responsibilities:-Service & Quality:
a) Ensure that all people, process, data & systems in the branch are well attuned to deliver consistent & superior
levels of service to all customers.
b) Ensure that adequate records & data pertaining to customer queries and complaints is maintained &analyzed
for achieving greater process efficiency.
c) Ensure daily / weekly monitoring & analyses of various data points & reports that have bearing on Customer
Service & process adherence.
d) Play a pro-active role in new products, processes or systems roll out impacting the clients.
e) Coordinate with relationship managers and meet / interact with key clients on a periodic basis to take stock of
service levels and customer satisfaction. Also collate their feedback & suggestions.
f) Ensure implementation of all customer service initiatives rolled out from HO, such as collecting feedback
through Yes for you forms etc. Also suggest customer service measures for branches.
g) Monthly “Branch Service Committee” meetings etc.
Liabilities & Investment Management Process - Account Opening & Maintenance:
a) Ensure compliance with KYC requirements.
b) Ensure timely delivery of customers’ enquiries and instructions, whilst ensuring that the Bank’s delivery
standards in achieving total customer satisfaction are met e.g. timely checking of account opening documentation,
opening of accounts etc.
c) Ensure adherence to process & documentation standards (forms/checklists, welcome calling, approvals, etc.)
d) Ensure pro-active & sustained liaison with NOC, Product, Sales RM, RBL’s etc. where required.
e) Ensure timely follow up with Sales RMs / RBL’s for resolution of any outstanding deferrals.
Transaction Banking Corporate Client Related Responsibilities:
a) Ensure that Corporate Clients (especially important & sensitive Corporate Relationships) are given highest
levels of service attention.
b) To ensure that there is adequate levels of expertise (personally & thru CSDL/BSDL/BSPs) to ensure fault free
levels of servicing & transaction processing for Corporate Products / Services like Trade, CMS, Escrow
Arrangements, etc.. c) Clearing, CMS, payments etc.
Audit & Compliance:
a) Effectively Support Branch Audits by Internal, External, Concurrent, and Statutory & RBI auditors.
b) Responsible for implementation of process, policies as per guidelines & audit rating of the branch.
c) Ensure comprehensive compliance with all internal, regulatory and statutory requirements as relevant for
various product and services from a branch perspective;
d) Ensure to resolve the audit findings.
e) Ensuring DCFC checklist is checked thoroughly and signed off on daily basis.
f) Personally implement & conduct self-audits in the branch (e.g., Monthly sweep audit, etc.) are conducted and
any anomalies are brought to the notice of senior management along with mitigating steps initiated.
g) Responsible for sensitizing each CSDL/BSDL/BSD member on adherence of process & policies.

4. ACADEMIC QUALIFICATION:
 B.COM ( Accts. Hons.) From BurdwanUniversity in 2002.
PROFESSIONAL QUALIFICATION :
M.B.A. (FINANCE) from Sikkim Manipal University in 2011
TECHNICAL QUALIFICATION:
 D.C.A from West Bengal govt. institute (YOUTH DEPT) from 02( O.S.: MS DOS, WINDOWS
2002,2007, XP., XP Professional, LINUX, MS Office, FoxPro,Oracle,V.B.LANGUAGE: C, C++,Tally 9.2 )
SPELIZATION PROJECT :
 E.R.P. & S.A.P. ( ACCTS, HR,M.M.,Q.C.,P.P. etc)
EXPERIENCE:
 As a SR.OPERATION EXCUTIVE in GTFS MULTI SERVICES LTD From May 2002 to Dec. 2009
 As an Operation head in DOLPHINE INFRAPROJECTS LTD in Kolkata from Jan 2010 to Oct
2013
 As a DOMAIN HEAD (W.B.) (ADMIN/ OPERATION/ CREDIT/ MARKETING) in NICT PVT.
Ltd in Kolkata from Nov. 2013 to March 2015
 As a CREDIT, RISK & MARKETING ASST. MANAGER LAP/HL/GL/CL in MANAPPURAM
FINANCE Ltd in RAJARHAT Regional branch (Kolkata) from April 2015 to till date……
PERSONAL DETAILS:
Name: Manoj Kumar Mukhopadhyay
Father’s Name: SantimoyMukhopadhyay
D.O.B.: 3rd
January 1979
Sex: Male
Marital Status: Married
Nationality: India
Permanent Address: ChuramoniPur, MakorKol, Onda, Bankura, 722144 (W.B.)
Present Address: 624,Jagadhatri para, Pearapur Road, sheoraphuli, Hooghly, 712223.
Language known: English, Hindi, Bengali, Punjabi, Maithili, Oriya, Etc.
Hobbies: Script writing ( like novel, poem) watch movie, playing cricket
PASSPORT NO: M2009869
ISSUE DATE : 09.09.2014
SALARY DRAWN : Present package is Rs 3.60 L/- p.a.
DECLARATION: I do here by declare that the above mentioned statements are true to the best of my knowledge
& belief.
Date: 18.10.2015
Place : Sheoraphuli

5. Manoj Kumar Mukhopadhyay

6. Manoj Kumar Mukhopadhyay