About Koustav Lahiri :
Senior Banking Professional with over 9 years of experience in Branch Banking Operations; targeting assignments in Credit and Banking Operations
Experience
Established strategies for using various banking and financial product lines including new credit onboarding, enhancement, and credit-related agreements, critical restructuring initiatives as well as people related practices
Managed a full-service branch office including daily core banking activities, driving digital banking, managing cash, opening accounts, processing and servicing loans, documentation, and other banking transactions
Hands-on experience in devising & implementing effective collection plan, risk frameworks and credit underwriting process; knowledge of Indian market underwriting operations; regular sanctioning of credit proposals
Held and led weekly/monthly reviews for outbound and as well as for inbound sales to meet bank’s expectations
Provided high-quality portfolio assessments in support of the company’s diverse credit related underwriting activities
Expertise in maintaining healthy relations with clients and communicating credit application status on a regular basis
Ensured all banking products, including credits, alongside strategically pitching of items (for example protection, gold bonds, common assets) with new as well as existing clients
Monitored costs in a difficult economic environment; introduced new risk controls in the wake of a heightened regulatory framework, improved processes and ensured that customers received the best service experience
Provided data analysis and portfolio stratification across entire credit risk portfolio in support of capital modelling and credit risk reporting
Participated in end-to-end lending processes for SME and retail (mortgage, vehicle, personal)
Performed customer assessment through benchmarking of historical payment records (generated from various platforms like CIBIL, CRIF, Experian, Crilic); assigned customer credit rating (through software like RAM and CRESS); and strategized pricing for credit proposals
Tracked inflow and outflow of reports (like account closures/opening, fixed deposit renewals/closures, credit monitoring, daily business position) and thus keeping track on daily business generation
Education
2014: PGDBF, Banking & Finance, Manipal University, India (CGPA: 9.06)
2012: B.Tech. Mechanical Engineering, J.R.N. Rajasthan Vidyapeeth University, India (67.2%)
2007: ISC, Hirendra Leela Patranavis School, India, Class XII (80%)
2005: ICSE, Hirendra Leela Patranavis School, India, Class X (77%)
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