Manager Financial

RAJARSHI ROY CHOWDHURY

Mobile- 798-***-****/995-***-****/903-***-****

Email- ********.************@*****.***

Objective:

To work in an inspiring work environment where I can learn & utilise my skills and knowledge to ensure self as well as organisational growth.

Areas of Interest:

Corporate Finance, Wholesale Banking, Structured Finance, Credit Analysis, Project Financing, Flexcube Core Banking Solution, Advisory services, SAP FICO

Work Experience:

Current Organization Name: SBERBANK OF RUSSIA

Duration: July 2015- Till date

Profile: CREDIT MANAGER – WHOLESALE BANKING

Job Description:

Undertaking Credit Analysts for mid and large business customers (majorly Indian clients and Microfinance organisations)

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the Corporate Finance Group business for all products. Initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; co-ordination with the lead originating team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Operations team & Risk Management Group for faster decisions; assisting Credit Head for business function and new product development; Attending the consortium meetings in case of Working Capital Loans; Site/ Plant visit of the borrower accounts

Analysing the financial reports, ratios and financial models to ascertain the credit requirements of the clients and preparation of proposals (credit note)

Maintaining a strong customer base by offering them customised solutions in accordance with the Bank’s extant guidelines

Appraisal of Working Capital Limits and Term Loans

Own the day-to-day credit relationship for a nominated portfolio of customers

Attending to various audit queries

Previous Organization Name: PWC SDC KOLKATA PVT LTD

Duration: October, 2014- February 2015

Profile: Process Associate- Assurance (Audit)

Previous Organization Name: Crystal Logistics Cool Chain Ltd

Duration: October, 2013- August 2014

Profile: Senior executive - Finance

Job Description:

Preparation of CMA data/financial projections,proposals and DPRs (Detailed Project Reports)

Coordinating with financial institutions for mobilisation of finance/loans.

Prepare Budget and Introduce Budgetary Control

Credit Analysis

Managing Financial Compliance related issue

Coordinating the financial issues with the clients & other related entities

Introduce internal Control System for all expenses

Previous Organization Name: Shraddha Financial Services

Duration: September, 2012- September 2013

Profile: Manager – Finance & Banking (Loan Syndication)

Job Description:

Preparation of CMA data/projections and financial project reports& proposal .

Handling asset products like working capital facilities, project finance, term loans, structured finance, etc.

Thorough analysis of financial statements for risk assessment from lending perspective.

Evaluation of business model and other aspects for credit facilities.

Submission of detailed proposals to banks/financial institutes as per prescribed formats.

Handle financial and other queries from banks/financial institutions to facilitate sanction of credit facilities.

Follow up with bank officials to ensure compliance and completion of various processes till sanction and disbursement of proposed facilities.

Previous Organization Name: ICICI Bank, Policy and Risk Group,(Mumbai- Corporate Office)

Duration: December, 2010- January, 2012

Profile: Credit Manager: Policy & Risk Group (Underwriting authority – Rs.25 lacs)

Job Description:

Underwriting of high value credit recommendations for retail product variants including LAP (Loan against property – residential & commercial). Client base – Individual (Salaried as well as SENP) and companies

Analysing the credit requirements of the Clients and preparation of credit notes

Maintaining a strong customer base by offering them customised solutions in accordance with the Bank’s extant guidelines

Appraisal of the proposals put by the branches and helping the higher ups take decisions

Financial analysis of audited accounts and projections

Previous Organization Name: Bank of Baroda, Corporate Financial Services Branch (Mumbai)

Duration: August 2008- December 2010

Profile: Credit Officer ( Wholesale Banking)

Job Description:

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the Corporate Finance Group business for all products. Initial screening of the proposal, thorough appraisal of credit proposals with the required due diligence; co-ordination with the lead originating team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Operations team & Risk Management Group for faster decisions; assisting Credit Head for business function and new product development; Attending the consortium meetings in case of Working Capital Loans; Site/ Plant visit of the borrower accounts

Analysing the working capital credit requirements of the Corporate Clients and preparation of proposals

Maintaining a strong customer base by offering them customised solutions in accordance with the Bank’s extant guidelines

Appraisal of Working Capital Limits and Term Loans.

Mitigating Credit Risk by carrying out the credit rating of the companies. Familiar with CRISIL Risk Assessment Module software.

Financial analysis of audited accounts and projections

Attending the consortium meetings in case of Working Capital Loans

Site/ Plant visit of the borrower accounts

Preparation of statements/ statutory returns like Monthly Monitoring reprts (MMR) and Ascrom data. Familiar with Finacle software.

Summer Internship:

Organization Name: Syndicate bank, Regional Office (Kolkata)

Duration: 3.5 months (February, 2007 to May, 2007)

Title of the Project: Working capital management

Project Profile:

Analyzing the working capital requirements of the client

Analyzing the project viability and credit worthiness of the client

Suggesting the bank to take part in most attractive and safe projects

Education:

Degree

Institute

University

%/CGPA

Year of Passing

PGPBA (Finance)

ICFAI Business School, Calcutta

ICFAI University

7.47

2008

B.COM

(Hons.)

Acharya Jagadish Chandra Bose College College, Calcutta

Calcutta University

67.87%

2005

H.S.C

Kalidhan School, Calcutta

West Bengal Board

45%

2002

S.S.C

Nava Nalanda School, Calcutta

West Bengal Board

78.62%

2000

SAP FI knowledge:

Financial Accounting:

Interest, Taxes, Dunning, Substitution and Validation, Automatic Payment Program, Financial Statement Versions

Integration of FI with MM and SD.

Creation of Company codes, business area, chart of accounts, G/L master data, Defining and assigning number ranges, field status variants, fiscal year variants, document number ranges, posting periods and tolerance groups,Customized screen layouts for document entry at Account/Document levels, Created Bank Master data, House banks, G/L accounts for each bank account and creating reconciliation accounts for vendors, customers and assets

Generating reports related to Cost Centers and Profit Centers. Created primary and secondary cost elements and cost element groups.Created the standard hierarchy, cost centers

Award/Achievements:

Secured 1st position in my college (B.COM.)

Extra Curricular Activities:

Participated in singing competitions and plays in the inter school & college levels.

Hobbies / Interests:

Listening to music, playing, photography

Personal Details:

Gender : Male

Date of Birth: 4th February 1984.

Nationality : Indian

Languages known: English, Hindi and Bengali.

Marital Status: Single

Father’s Name: Late Amalesh Roy Chowdhury

Declaration:

I hereby acknowledge that the information furnished by me, as per the best of my knowledge, is true and correct.

Signature:

(Rajarshi Roy Chowdhury)

Place: Delhi

Date: 29th May 2020

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