SUPRIT GHOSH

Experience

• 

  Edelweiss Financial Services

  Apr 2015 - May 2016

  Relationship Manager

  Developed and maintained unit's revenue goals, Maintained knowledge on offered products and distribution to provide optimal service support.Coordinated with teams and assisted clients in providing optimal financial advice on various banking products.

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  State Bank of India

  Dec 2016 - now

  Monitoring large volume of asset delinquency, arrear conditions and taking appropriate action in all 3 lending segment (RETAIL, Mortgages, SME and Unsecured). Building recovery / restructure strategy with a team of Advocates, Resolution Agents, Vendors and in house IT / outsourced team for bringing efficiency in collections, analyze large data sets and tracking of movement of risk grades of assets / loans in different segments and taking appropriate actions there as per IBA guidelines and internal SOPs. Approving as well appraising Write Offs, Compromise settlements etc based on provision available and arraer conditions. Negotiations with Large corporates for credit defaults, Preparing strategic sale of Loan Books via Collateral Debt Obligations, ARC selloffs, and monitoring yield thereon. Assiting Credit Committee to formulaize waiver strategy and minimise loss in Agricultural segment which helped the bank to clean up balance sheet more than 12000 crore in Fin year 22-23 Show less Handling total portfolio as a team lead close to 210 Crore In deposits and 115 cores of advances. A mix of various Institutional Clients, Extensive Retail as well as Several Micro Industries.Appraising/underwriting high value Credit proposals, including REH/SME/PB Retail sanctioning of limits within financial power delegated , maintaining and achieving segmental budgets in various parameters. Monitoring compliance in overall operations and credit proposal, cross sell,profitability, business diversification, co ordination between various stakeholders,administration, delightful customer service,NPA arrestation and corrective post sanction initiatives supervision, complying with KYC AML guidelines and various RBI, internal audit directives,CRM management etc. Show less

  • Manager Asset Quality Monitoring

    Mar 2024 - now

  • Senior Branch Head - Retail Sales Channel And Operations

    Jul 2021 - Mar 2024

  • Branch Manager

    Mar 2019 - Jul 2021

  • Assistant Manager

    Dec 2016 - Mar 2019