Koustav Lahiri

Senior Banking Professional with over 9 years of experience in Branch Banking Operations; targeting assignments in Credit and Banking Operations

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

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%)