INDRANI ROY BASU
Dubai,United Arab Emirates
Summary
- Accomplished banking professional with more than 16 years of extensive expertise in branch banking and credit administration demonstrating strong people and team management skills. A Self motivated organised and dedicated banker skilled in working under pressure and adapting in new situations and challenges to best of ability.
Overview
17
17
years of professional experience
Work history
Service Relationship Manager
HDFC Bank Ltd
02.2023 - Current
- Assisting a team of 5-6 RM's with day to day client based transactions , opening of NRE/NRO /FCNR accounts and service requests while co ordinating with account opening team, credit, compliance and other relevant departments to execute to reduce turn around time in processing of various transactions.
- Carry out all banking operational tasks ensuring all activities are completed with a high degree of accuracy while adhering to bank policy and process.
- Ensuring thoroughness related to documentation ,updated bank kyc before processing.Ensure all day to day transactions are in compliance with with banks internal policies,AML policy, and other regulatory requirements laid down internally and central bank.
- Processing document related to credit and to ensure complete and accurate information are provided before submission.
- Marking CRM resolutions and closures. Proactively handle & respond to wide range of customer inquiry and issues.
- Maintained knowledge on banking products and distribution to provide optimal service support.
Credit Adminstration Manager
Federal Bank
01.2014 - 04.2022
- Manage the credit administration functions including loan document preparation and execution , monitoring credit risk, ensuring compliance , collateral management and regulatory requirements.
- Preparing standard Facility offer letter / Term loan /working capital agreements , pari pass letter along with other required documentation in accordance with credit approvals .
- Ensuring all security / support documents lodged for in house documentation have been properly executed and signatures are verified and authenticity's of signatories are supported by resolution / POA.
- Ensuring rectification of existing discrepancies , ensuring approval from relevant authorities , ensuring approval from authorities is held for deferral / waiver of incomplete documents .
- Ensuring integrating accurate and timely internal reporting and regulatory reporting .
- Submission of documentation for timely renewal
- Supporting in creation or release or amendments of securities / mortgages / registrations with Government authorities .
- Preparing legal documents including lien waivers,
- Preparing final letters and documents including agreements to customers to be notarized and process for funding
- Compliance and audit matters support internal audit process to ward off risks facing bank on account of non-compliance of internal and external norms
- Adhering to compliance of pre- disbursement conditions and Account opening -To ensure all pre-disbursal documents/ Loan documents prior to Disbursement are executed through Branch/ RM.
- Undertake scrutiny of executed documents.
- Daily update of deferrals.
- Share limit expiry and follow up on pending valuations and insurance etc reports every month.
- Daily tracking and dating of document tracker.
- Security Creation and Perfection -To monitor and ensure that all primary and secondary collaterals ID are relevant and charged to limit account and ensure that redundant primary and secondary collaterals ID, if any are withdrawn .Maintaining upto date collateral data in banks data.
- Performing periodical cleanup of obsolete security documents to keep valid security documents in folder .
- Ensure registration/ modification/ satisfaction of all applicable charges with CERSAI.
- Approve CERSAI registration for loans below cut off limit of Rs.2 Crore initiated by branches.
- Prepare/ update various MIS data (Monthly Report, Report on Exceptions to CRMD, Update of Master Excel Sheet provided by HO-CAD, CERSAI, CGTMSE etc) for onward submission to Supervisor/CAD central team.
- Ensuring that all audit comments are rectified pertaining to all types of audits
- Ensure that ownership is transferred after proper escalation by liaising with HO- CAD and IAD Team
- To liaise with auditor and ensure that only deficiencies are crystallized as audit observations and to minimize volume of comments before finalizing audit report.
Assistant Manager - Branch Operations
Federal Bank
08.2010 - 01.2014
- Monitored cash intake and deposit records, increasing accuracy and reducing discrepancies.
- Monitored clearing transactions, ATM transactions, Demand Draft issuance and Cards Management.
- Helped with planning schedules and delegating assignments to meet coverage and service demands.
- Offered hands-on assistance to customers, assessing needs and maintaining current knowledge of consumer preferences.
- Completed regular inventory counts to verify stock levels, address discrepancies and forecast future needs.
- Handling team of 6-7 clerical staffs
- Staff development and branch administration .
- Revenue generation.
Probationary Officer
Federal Bank
07.2008 - 07.2010
- Cash Management
- Inter Bank transfers
- Handling Cheque clearing
- Bank account opening
- Entry of stock statements
- Educate client's on Variety Banking products
- Educate client's on credit options
- Corporate Relationship onboarding
Education
MBA - HR & Marketing
Oxford School of Business Management
05/2006 - 06/2008
Skills
- Microsoft Excel
- Microsoft Words
- People management skills
- Team Management skills at branch banking level
- Strong Communication Skills with ability with all levels in confident and Professional manner
- Strong Analytical skills with ability to think and act creatively
- Ability to take own initiative & Interact
- Strong Customer centric Focus
- Strong in Customer Relationship
- Strong Banking product knowledge
- Customer satisfaction monitoring
- Results-Oriented mindset
- Critical thinking capabilities
- Service improvements implementation
- Decision-Making prowess
Languages
English
Proficient (C2)
Hindi
Proficient (C2)
Bengali
Advanced (C1)
Timeline
Service Relationship Manager
HDFC Bank Ltd
02.2023 - Current
Credit Adminstration Manager
Federal Bank
01.2014 - 04.2022
Assistant Manager - Branch Operations
Federal Bank
08.2010 - 01.2014
Probationary Officer
Federal Bank
07.2008 - 07.2010
MBA - HR & Marketing
Oxford School of Business Management
05/2006 - 06/2008
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