Sujoy Roy

Experience

• 

  Annapurna Seeds, Kolkata

  May 2010 - Jun 2010

  Summer Intern

  Company:Annapurna Seeds, Kolkata. Location of the study: Some districts of Bihar--Bhagalpur, Banka, Munger and one district of Jharkhand-- Godda.Project Topic was "Market Potential Analysis of hybrid Paddy Seeds in Bhagalpur, Banka, Godda& Munger and Evaluation of Promotion Strategy of Annapurna Seeds.”

• 

  Axis Bank

  May 2011 - Nov 2012

  • Retail Agri Relationship Manager

    Jul 2011 - Nov 2012

  • Retail Agri Credit Officer

    May 2011 - Jul 2011
• 

  ICICI Bank

  Nov 2012 - Sept 2021

  Job Responsibilities: - Appraising proposals for SME financing (ticket size upto Rs.20 cr) - both fund based & non fund based, conducting risk analysis, scrutinizing relevant documents before sanctioning loans within defined TAT, client interview, ensuring compliance as per bank's credit policies - Supervising, controlling delinquency and credit loss - Monitoring of loan accounts, checking of loan documents and supervising the timely preparation of MIS reports - Fulfilling the credit training needs of entire business team on a continued & timely basis Team Management - Leading, mentoring & monitoring the performance of the team members to ensure efficiency in process and operations. - Creating and sustaining a dynamic environment that fosters development opportunities and motivates high performance among team members.- Nurturing, managing & imparting training to the team is also one of the core activities. Functional Requirements: - In-depth knowledge of Financial & Credit Risk analysis - Risk (credit / investment, operational, others) identification and mitigation skills - Knowledge and experience of having dealt in Banking products and procedures, Documentation Show less Loan Ticket size: Rs 10 Lacs to Rs 20 CroresJob Responsibilities:a. Initial screening of proposals.b. Credit risk appraisal, Checking Rating calculation, Checking appraisal note in consonance with the Credit &Recovery Policy and making suitable recommendations in terms of amount to be sanctioned, acceptability of the risk, terms and conditions of the sanction and submission of detailed appraisal note for sanction / recommendation to appropriate authorityc. Interaction with the client, if needed, to appraise the risk in coordination with respective RM/SM.d. Interaction with the sanctioning authority to discuss the proposal e. Compliance with Credit & Recovery Policy guidelines, RBI guidelines and any other regulatory guidelines.f. Proactive risk assessment in case of changes in client’s situation and / or external environment.g. Ensuring timely disposal of the credit proposals / other credit references Show less

  • Zonal Credit Manager

    Jun 2018 - Sept 2021

  • Regional Credit Manager

    Jul 2017 - May 2018

  • Credit Risk Manager

    Nov 2012 - Jun 2017
• 

  YES BANK

  Sept 2021 - now

  Vice President and Regional Credit Manager