Tirthankar Dutt

Experience

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  HDFC Bank

  Apr 2008 - Sept 2009

  RELATIONSHIP MANAGER

  CRM To cater to the high net-worth customers of the branch, and inform them about new business opportunities. Branch Business Driver To drive the branch business target for all banking products, such as savings account, current account, FD’s, demat a/c, trading account, credit cards, MF’s, insurance, private equity and all asset products.Management Reporting & Presentation: To review the monthly performance against the target, bring new initiative and the bridge the gap between the target and performance. To prepare presentation for review by the Regional Head and Branch Banking Head of the Eastern Region.Investment Management: Market analysis based on various parameters and benchmark products against industry/new standards and to provide useful information to the customer make appropriate decision regarding equity investments.Achievements Awarded for Best CASA Acquisition for the Region for the year ended 2008-09.  Awarded Advising Affluent Advisor by Franklin Templeton AMC, 2008. Awarded INR 13000 and INR 9000 for highest insurance sale in the Cluster in the month of July 2009 and August 2009 respectively. Show less

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  SGX Minerals

  Sept 2009 - Apr 2012

  Assistant Manager Finance

  Project appraisal & feasibility study & analysis/Business Case  Industry Analysis, Project Risk Analysis & Market Segment study and Formulation of Assumptions for Financial Model.  Complete Financial Evaluation/ Feasibility Study. Project IRR & NPV analysis using DCF Model, Payback Period and payback volumes analysis, Project Risk & Sensitivity Analysis, Project SWOT AnalysisFinancial Modeling MS Excel based financial modeling and creation of case study for the business. Liaising with Banks and NBFC’s for meeting fund requirementProjects Capex & Revenue expense planning & budgeting Budgeting for project/ business requirements on half yearly, yearly and 3 years rolling basis. Monitoring and review at regular interval.New Venture and Investment analysis New Venture proposals in diversified business like Container Freight Station, Freight forwarding & Logistics, Power generation and Distribution. Strategic Management A Group Companies had decided upon taking in a strategic partner. The transaction gave a rich experience in Investment Banking Due Diligences process. Company Valuation Techniques, the various criteria in the financial statement that needs to be normalized and Financial Statement Analysis.Fund monitoring & controlling, analysis & MIS reporting Controlling project funds utilization, Variance and Gap Analysis, Laying down SOP’s for Capex & Revenue Expenses. Implementation of OBtima Mining Optimization System. Achievements Effectively and efficiently handling over INR 1000 million of investment portfolios of the group. Sanction of INR 700 million external funding by banking consortium. Successfully completed company valuation and business analysis of a group company for strategic partnership. Successful implementation of MIS system. Show less

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  ICICI Bank

  Apr 2012 - Oct 2014

  Manager – Credit Mortages

  Credit Appraissal & Disbursement Process Responsible to manage team of credit underwriters and CPAs, for Financials & Banking analysis of customers, CAM & Note Preparation, Decision making, recommendation of high value cases to seniors for final decision, LOS Entry, Analysis of cibil report & other credit reports Check, Business visit of customers, Property & Business verification, Report follow up, Docket preparation & disbursement of loan & in touch with customers & lawyer for smooth transaction.Liaising with other department like RCU, FI, Legal Team, Operations, Credit Ops and Technical Team is part of credit underwriting process, and enhance.MIS ManagementPublishing of daily MIS for Sanction and disbursement for measuring business status. Audit Conducting SOX Audits for the Credit Underwriting Team.Achievements:- Setting up new Credit HUB. Recipient of Award of Excellence for Life Insurance Competency Enhancement Workshop at the RBH Convention, 2013. Recipient of League of Legend award for Outstanding Performance in GI Business in BCM category, 2013. Awarded for Exemplary Performance in the Carnival contest in 2012. Heading the southern region in terms of productivity, TAT, audit and Compliance Score. Proposed several product enhancement and up-gradation, for self employed profile regarding eligibility computation based on VAT and Service Tax filing, which are under consideration. Show less

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  Tata Capital

  Oct 2014 - Oct 2017

  Territory Credit Manager

  Credit Appraissal & Disbursement Process Credit Appraisal of Home loan and Home Equity proposal for various customer segment. Responsible for supporting the end-to-end operations management process for Branch. Responsible for promoting RHF and AHF, through specialized product. Responsible to provide primary liaison with the client, client team, Credit Services, Vendor and internal business partners. Responsibilities also include monitoring credit compliance, resolving documentation, collateral, and past-due exceptions, ensuring credit quality and data integrity. Constantly strive towards better credit process, in order to promote FTR and ensure smooth flow of business. Proactively ensuring client satisfaction throughout the credit management process, including grievance resolution. Ensuring timely follow-up of loan monitoring activity to facilitate a sound credit portfolio. Inculcate data centric and problem solving thought process among reportees. Appraisal, Hiring and retention of credit underwriters and CPAs. Undertaking new projects to improve productivity of existing processes.Training & Development Monitoring the performance of team members & mentoring them to ensure efficiency in credit, sales & operations and meeting of individual & group targets Timely assessment of direct report’s performance, coaching and feedbackConducting weekly training for CPA, DMA, DSA, DST and new joinee’s, related to process and policy for credit appraisalAudit Conducting ISO Audits for Process compliance. Conducting of various Concurrence audit and compliance work related to process and policyAchievements Awarded Star Awards for Exemplary act of Excellence, 2016 Awarded for twice for Outstanding Performance and Consistent Support towards business targets, by MD and CEO. Winner of Extra Mile Award for Key Project- ISO Certification, May 2016. Show less

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  L&T Finance

  Oct 2017 - Sept 2018

  Area Credit Manager
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  Grihum Housing Finance

  Sept 2018 - now

  • Operational Risk Manager

    Oct 2022 - now

  • Regional Portfolio Manager

    Sept 2018 - Oct 2022