Mukesh Roy Email and Phone Number

• Analyzing P&L account, balance sheet, financial statements, financial ratios, GST, MCA data while preparing credit monitoring arrangement data • Administering processing of credit proposals of MSME Sectors, Stand-up India, PSB 59, CGTMSE, NCGTC, PMEGP, Kisan Credit card, Self-help Groups, Handloom Textiles, Investment Credit, Poultry Farms and so on • Adhering to RBI Regulations, MCA Guidelines governing credit dispensation including Loan Grading, Provisioning and Assets Classification Regulations • Working on portal like CERSAI for verification of mortgaged based securities and collateral assets • Leading & mentoring a team spread across 58 branches in various locations and registered 23% growth in credit folio during financial year 2021-22

• Managed entire gamut of activities in Retail & Corporate Banking, Bancassurance and Financial Services • Worked on product lifecycle, software development lifecycle, Agile Methodology, Scrum, and Kanban • Assisted QA Team in developing exclusive end-to-end payment gateway in CBS platform for client and other test cases for user acceptance testing conduct UAT and track defects in JIRA • Participated in business requirement gathering sessions as subject matter expert to help technical team with business scenarios and help them understand end user need • Monitored project status to ensure progress towards completion and procedural steps are completed fully and timely; Participate in stakeholder sprint review meeting to understand project status • Used narratives, flow charting techniques using UML, data flow diagrams, state, sequence and activity diagrams to define product requirements and creating user stories • Modelled cash-flows for securitized transaction containing wide variety of underlying asset classes create excel based models to calculate over collateralization, interest coverage ratio and other portfolio criteria for the technical team • Identified, assessed, monitored, controlled & mitigated risk to the projects; effectively and collaboratively resolving the same

• Worked as Team Leader of Marketing Team of 63 branches and generated 13% growth in Retail & MSME Credit Portfolio • Developed digital marketing content for CASA & retail product and their presence across various social media platforms

• Adhered to requirements of Statutory Audit, Tax Audit, Concurrent Audit, Internal Audit, Management Audit and filing of other regulatory compliances on a timely basis • Prepared & compiled GLB reports, nominal account reconciliation reports, reporting of ANINA and Ghosh & Jilani recommendations, analysis report of business target vis-à-vis actual achievement on different parameters • Monitored the surveillance of suspicious transaction through OMS (Offsite Monitoring System) alert and compliance of FATCA norms • Reviewed portfolios of Real Estate, Chemical, Steel, Fertilizer, Tea & beverages, Special Economic Zone (SEZ)

• Managed fixed income, mortgage-backed securities and asset backed securities • Resourceful in clearing and settlement of CTS & Non-CTS cheques and ECS • Spearheaded marketing, public relations, business analysis, and retention programs, business mobilization campaigns, and steered efforts around corporate marketing programs • Provided strategic review for senior executives, and developed the supporting strategies to achieve financial and subscriber goals • Managed clients' account grievances and resolved issues within given timelines

• Managed fixed income, mortgage-backed securities and asset backed securities • Resourceful in clearing and settlement of CTS & Non-CTS cheques and ECS • Spearheaded marketing, public relations, business analysis, and retention programs, business mobilization campaigns, and steered efforts around corporate marketing programs • Provided strategic review for senior executives, and developed the supporting strategies to achieve financial and subscriber goals • Managed clients' account grievances and resolved issues within given timelines