Ritobrita Deb

• Analyzed the credit standing and managed the portfolio of the Corporate Debt Finance (CDF) division under the Asset-Backed Securities & Lending (ABS&L) umbrella of the bank, which included portfolio monitoring, performance and credit analysis, compliance/covenant testing, financial reviews, drafting of memos, and presentations.

• Contributed to the streamlining and framing of SOPs for various processes as part of the transition of CDF's Portfolio Management from a third-party service provider to a fully sustainable, in-house team.

• Worked closely with ABS&L's global stakeholders, based at the headquarters in NC.

• Appraised and underwrote loan proposals of SME Businesses by analyzing the financial records, creditworthiness, and financial standing of clients while preparing the credit notes through CIBIL checks, books of accounts, bank statements, etc.

• Ensured complete compliance with policies laid out, and helped in reducing the turnaround time of processing loan proposals by 66%.

• Proactively sensed areas of risk and regularly monitored the loan portfolio to prevent and reduce the bank's exposure to NPA.

• Handled the Non-Resident Indian (NRI) Division of the Bank. Trained and updated Customer Service Executives on end-to-end processes of onboarding NRI clients, related documentation, taxation, and other regulatory requirements, viz. KYC, DTAA, FATCA updating, etc.
• Managed the NRI portfolio and generated weekly portfolio statistics reports, which were circulated to the Senior VP and Head of International Trade and Banking.
• Coordinated with the FOREX team and acted as the point of contact between Customer Service Managers and the Central NRI Service Unit.