1. Core Competencies Profile Summary
Retail Asset Operations
Management
Loan Processing for all Products
Credit Administration Analysis
Operational Risk Analysis &
Management/ Mitigation
Processing of Corporate, MSME and
Retail Asset Proposals
MIS Reporting/ TAT Analysis
Strategic Business Development
Portfolio Management
Reconciliation Mgmt. & Analysis
Gained insightful banking experience throughout entire cycle of credit
administration starting from client origination, requirements analysis,
preparing while directing customer service functions (documentation,
disbursement), and ensuring compliance
Retail Asset Operations Leader with product expertise in Home Loan,
LAP, LRD, Capital Market, SME, Corporate Finance & Construction Finance,
Asset Finance, Retail Financing (Four Wheeler Finance / Heavy Vehicle Finance
and Machines. Car, Commercial Vehicles, Construction equipment & Tractor)
Comprehensive experience in disbursed proposals by ensuring
compliance of internal norms of financing, KYC, pre & post
Disbursement Documents, PDC & ECS Mandates, Credit Health Check
(LTV, Tenures, Profile, Approvals, IRR grid, Asset category, Customer
Category of the Disbursed Files, Co-ordination with the SBUs (Strategic
Business Unit) across country
Exhibited leadership in supervising post sanction activities, ensuring error
free processing with higher productivity, timely closure of projects,
implementing consolidated reporting while analyzing risk & opportunities
Capability to apply strong credit skills to ensure the credit quality of existing
& newly acquired relationships is maintained and is in line with the Bank’s
acceptable credit parameters
Worked on several working capital management products, long-term
funding facilities and branch banking functions
Managed business in the assigned portfolio, established a client service
management framework, ensured highest standards and directed &
monitored the credit appraisal for MSME/ Corporate clients
Career Timeline
Soft Skills
TAMAL KUMAR DEY
SENIOR NBFC & BANKING PROFESSIONAL offering over 15 years of extensive experience
Strategist, implementer & achiever with experience in ail Asset Operations Management / Operational Risk
Analysis with consistent record of delivering results in maximizing operational performance, compliance &
relationship management, preferably in Kolkata
tamal1823@yahoo.com/ tamal1823@gmail.com +91-9830348654/ 033-24341823
Dec’04 – Jul’07
Jul’07 – Jan’10
Jan’10 – Jul’14
Presentation Communicator Team Building
Self-Motivated Collaborator Leader
Jul’14 till date
2. Work Experience
Jul’14 till date: Aditya Birla Finance Ltd. Industry, NBFC Kolkata
Growth Path: Joined as Assistant Manager and rose to the position of Senior Operations Manager, Kolkata &
Eastern India
Product Portfolio: Home Loan, LAP(Loan Against Property), LRD (Lease Rental Discount), Capital Market,
SME, Corporate Finance, Institutional & Construction Finance, Purchase of Commercial/ Residential
Property, Personal & Business Loan
Key Result Areas:
Spearheading the overall operations of Retail Asset Management encompassing Financing, KYC, Pre & post
Disbursement Documents, PDC & ECS Mandates, Credit Health Check (LTV, Tenures, Profile, Approvals, IRR Grid,
Asset Category, and Customer Category)
Monitoring PDC (PF) banking, customer loan account, banking & marking cheque bounces, compliances of the internal
guidelines and other policies of the bank, as per the RBI compliances
Supervising Credit & Operation Team to minimize the case rejection and training, nurturing teams to deliver quality
services in terms of quick turn-around-time
Facilitating the reconciliation of files in the Central Operations Unit, TAT Analysis and taking corrective actions
Steering Corporate Banking Operations; processing, restructuring & monitoring large corporate and SME credit
proposals
Checking sanction notes prepared by Credit Analysts; conducting detailed verification of CMA, KYC, financial analysis,
risks associated along with risk mitigants, scrutiny of legal opinion and valuation reports and unit inspections
Monitoring portfolio level on regular basis to identify problem areas on various dimensions like industry, events, new
borrowers, conduct, pending documentation and others
Preparing periodic presentation of portfolio to Business, Superiors and Senior Management, to appraise the direction
of portfolio movement, identify critical pain points and issue necessary advisories
Ensuring:
o Timely renewal of sanctioned limits and collection of processing fee
o Slippages to NPA is less than before
o Limits sanctioned do not slip to high risk category along with upgradation/ exit of accounts in high risk category
Monitoring and following up of existing corporate accounts for timely review and closure of RBI/ Internal/ Stock/
Special Audit; implementing policy and RBI guidelines in regions/ branches
Preparing various statements, looking after various subsidy related issues, vigilance matter, complaints
Evaluating existing and prospective clients & markets, analyzing client requirements within the framework of the
approved credit policy/ product
Assisting in post-sanction activities including disbursement, documentation, security creation and setting up of limit,
monitoring of portfolio, unit visits, monitoring of post sanction compliances; monitoring economic, industry and
company developments to provide timely updates on emerging credit situations
Previous Experience
Jan’10 – Jul’14: Magma Fincorp Ltd., NBFC, Kolkata
Growth Path:
Jan’10 – Jun’13: Senior Executive, Operations, Head Office, Kolkata
Jun’13 – Jul’14: Audit Operations, Team Leader (Assistant Manager)
Product Portfolio: Asset Finance, Retail Financing (Four Wheeler Finance / Heavy Vehicle Finance and Machines. Car,
Commercial Vehicles, Construction equipment & Tractor)
Role:
Streamlined operations and audit of Auto finance business, Commercial Vehicles, Construction equipment and Tractor
encompassing KYC documents, Credit Policies, PDC & ECS Mandates, Credit Health Check (LTV, Tenures, Profile,
Approvals, IRR grid, Asset Category, and Customer Category) monitoring
Assisted in audit processing of the executed proposals at HO which are disbursed at the SBUs
Achieved minimum files rejection % so as to achieve maximum securitization of the files
Developed disbursement memo and segregation of the specific product as SRTO/AGRI based funding
Attained low pool rejection in liaison with the SBUs for clearance of the discrepant proposals
Jul’07 – Jan’10: Fullerton India Credit Company Limited, Kolkata as Senior Branch Processing Officer
Product Portfolio: Retail Asset Finance, Personal Loan, Business Loan, Loan Against Property
Role:
Conducted consumer disbursement PL/Business and secured (LAP) Loans and scrutinized transaction legal documents
Streamlined the PDC banking and customer loan account banking and cheque bounces & submissions
3. Tracked customer account for closure for the issue of NOC
Worked as SPOC for managing the relationship of other department with operations and acknowledged with
appreciation at various levels
Dec’04 – Jul’07: ICICI Home Finance Company Ltd., Kolkata as Operation Executive, Disbursement Dept., RAOG
Role:
Disbursed loan on the products like TW(2-Wheeler), PL (Personal Loan), & Auto & Commercial Vehicle Loan upon file
checking, discrepancy solving & preparing MIS report
Worked as Auditor for ICICI Bank to audit proposals logged by Magma Leasing Limited for 3 products CAR, CV & CE
for securitization purposes
Jun’03 – Dec’04: HBL Global Pvt. Ltd., Kolkata as a Sales Executive
Education
1998: Software Course from NIIT
1998: B.Com. (Hons.) from Calcutta University
IT Skills
Windows 95, 98, 2000 and XP, MS-Office
ERP (Oracle), Omni Flow
R System
Personal Details
Date of Birth: 4th
October 1976
Languages Known: English, Bengali & Hindi
Address: 24 Sukanta Sarani, Kamrabad, Sonarpur, Kolkata-700150 West Bengal, India
