Utpal Sarma Email and Phone Number

7/2018 - till date Tata Asset Management LtdRole: Head, Business AnalyticsLead a team with diverse technical expertise, spanning advanced datamodeling to software utility development, and deliver solutions that driveenterprise wide data centricity in decision making.Primary responsibilities:a) Custom Analytics & Data Modelingb) Process digitization and building web utilitiesc) AI and ML frameworks in Fund Management – Quant frameworks

Role: Business Practice Head, BI & Analytics Unit, handling analytics for cards and payment solutionsPrimary responsibilities:(a) Strategic insights for improving channel productivity, sourcing quality and cost optimization(b) Roll out big data use cases that enable customer engagement strategies: offer personalization and line management(c) Near real time BI solutions for transaction monitoring

Role: Business Practice Head, Business Intelligence Unit (BIU), handling retail liabilities (deposits) and branch bankingGrade: Chief Manager (Band-II)Primary responsibilities:Engage with business stakeholders for project formulation and lead a 15-member team of analysts for delivering BI solutions. Key deliveries during the year include:(a) Insights for senior management strategy formulation. Project examples are, (i) vintage profitability of different sourcing channels, (ii) segmental study of customer balance growth behaviour, (iii) manpower deployment and branch productivity(b) Enhance sourcing channel productivity by optimizing sales force incentive structure and manpower re-deployment(c) Enable revenue enhancement processes by plugging charging / fee leakages (d) Improved customer natural balance based portfolio management framework for enhancing customer wallet share, cross sell and attrition prevention(e) Improve review framework for monitoring business performances across levels/ hierarchies

Role: Team Lead (Chief Manager, Band-I), BIU, handling:Credit cards analyticsRetail loans analytics (mortgage, vehicles, unsecured) Portfolio valuation for retail asset portfolio securitizationPrimary responsibilities: Lead a team of analysts in providing analytical support to (a) business, (b) policy and (c) risk teams, involved in retail asset business and retail structured finance business.Keys projects:Profitability model for retail asset businesses and optimized annual operating plansCross-sell and up-sell framework comprising of behaviour based offer generation / prequalification, process enablement through multiple out-bound and in-bound channels and campaign roll-outImplementation of behaviour scorecard for portfolio management Transaction behaviour and imputed income based credit line management framework for credit card customersDesign and impact assessment of spends promotion, revenue enhancement campaigns for credit cards business Manage TRIAD based strategies for profit enhancement and risk containment in credit cards portfolioBureau based locational business potential and risk mapping for portfolio and customer acquisition strategies.Analytical framework for product and policy designLoss forecasting for securitized retail asset poolsExpected future cash flow based valuation model for identified retail asset pool portfolio buy-out / sell-down

Manager (Band-II), Business Intelligence Unit, handlingPortfolio Valuation for retail asset portfolio securitizationKey projects:Development portfolio valuation model for retail asset pools. The model involved estimation of future cash-flow based on beta-distribution analysis of segment level historical net cash flowsFramework for loss estimation for securitized retail asset pools

Mortgage Loans AnalyticsAuto & Commercial Vehicle Loans AnalyticsPersonal Loans AnalyticsKey Projects:Risk and profitability trigger based portfolio monitoring framework Sourcing channel payout optimization

Small Business Loans Analytics for ‘Rural Micro Finance and Agri Business Group’ (RMAG)Farmer Loans Analytics for RMAGKey projects:Automated DPD (days past due) computation system for cash credit / overdraft facility based products offered in Rural and Agri BankingEarly warning framework based on transaction behaviour

Joined IDBI Bank Ltd., as corporate banking relationship manager, Guwahati, Assam. Primary responsibilities included sourcing and servicing corporate relationships. After 12 months, shifted to risk management team at corporate office, Mumbai. Primary responsibilities in this role included:(i) Managing bank risk and country risk, setting up of bank exposure limits. (ii). Preparing comprehensive risk reports (SBR for RBI reporting)(iii) Analyzing corporate proposals and preparing pre-sanction credit risk note, assign internal credit ratings and ensuring compliance of credit risk policy guidelines. (iv) Basle II implementation

The North Eastern Development Finance Corporation Ltd. (NEDFi) is a DFI promoted by GoI (MoF), with equity participation from IDBI, SIDBI, IFCI, ICICI, UTI, LIC, GIC and SBI. NEDFi is a term lending institution catering to the manufacturing and services sector in the North East Region. Responsibilities handled at NEDFi included – 1. Business development, project appraisal, monitoring and control of term loans to SME clients. Projects handled pertained to industries like steel, ferro-alloys, plastics, cosmetics, healthcare, hospitality, food processing, chemicals, etc.2. Disbursement of central subsidies under North East Industrial Policy of GoI3. Branch in-charge of Dimapur, Nagaland

The Marketlinks Division of Lintas (India) Ltd., was involved in providing marketing support to Hongkong and Shanghai Banking Corporation Ltd.Had joined the organization at Kolkata, as a Marketing Executive and was attached to the Dalhousie Branch of HSBC