Manabendra Dey

A highly motivated and industrious banking professional with a strong background in sales, customer relationship management, and end-to-end loan processing. Experienced in building and maintaining customer relationships, understanding financial requirements, achieving business objectives, and ensuring smooth and efficient loan-processing operations. Currently seeking an opportunity to transition into a new role that offers greater professional growth, broader responsibilities, and opportunities to learn new skills.

I believe in hard work, teamwork, continuous learning, and taking initiative to improve my professional knowledge, skills, and techniques. Adaptable and committed to delivering quality results while contributing positively to the organization's growth and success.

DST – Assistant Manager (Supervisory Grade II) at Cholamandalam Investment & Finance Company Ltd. (2025-11 – Present)

• Generated and converted housing loan leads through open-market sourcing and channel partner networks.
• Managed relationships with Corporate DSAs, Connectors, and Builders to maintain a strong and consistent business pipeline.
• Handled the complete loan lifecycle, including lead generation, customer profiling, file login, documentation, credit processing, sanction, and disbursement.
• Evaluated customer requirements and assisted borrowers with appropriate housing loan solutions while ensuring proper documentation and process compliance.
• Coordinated with Credit, Legal, and technical teams to resolve case-related queries and discrepancies and facilitate faster processing.
• Maintained proactive follow-ups with customers and channel partners to ensure timely completion of documentation and pre-disbursement requirements.
• Monitored cases from login to disbursement and ensured adherence to defined TAT and internal process guidelines.
• Built strong customer and channel relationships through regular communication, timely updates, and effective issue resolution.
• Ensured compliance with banking policies, credit norms, KYC/documentation requirements, and internal operating procedures.
• Contributed to improved lead conversion, processing efficiency, customer satisfaction, and overall housing loan business growth.

Loan Officer – Deputy Manager II at Ujjivan Small Finance Bank Ltd. (2024-11 – 2025-11)

• Generated Housing Loan leads through open-market sourcing, identifying prospective customers and converting opportunities into quality business.
• Developed and maintained strong relationships with empaneled Corporate DSAs and Connectors to build a consistent pipeline of housing loan leads.
• Regularly coordinated with DSA and Connector partners, collected leads, understood customer requirements, and ensured timely follow-up for conversion.
• Handled the complete housing loan process from lead generation and file login to sanction and disbursement.
• Scrutinized customer documents and ensured proper file preparation and submission for loan login as per the bank's process and requirements.
• Coordinated with Credit, Legal, and technical teams to resolve queries, discrepancies, and pending requirements during the loan-processing cycle.
• Followed up with customers, DSAs, Connectors, and internal stakeholders to ensure timely completion of documentation and other pre-disbursement requirements.
• Took ownership of resolving Credit, Legal, and technical queries and provided the necessary documents, clarifications, and information for smooth processing.
• Monitored each case closely from login through sanction, documentation, and final disbursement, ensuring completion within the prescribed TAT (Turnaround Time).
• Maintained regular communication with customers and channel partners to provide updates and address issues throughout the loan journey.
• Worked closely with internal teams and external channel partners to minimize processing delays and improve customer experience and loan conversion.
• Ensured adherence to prescribed banking policies, documentation standards, credit processes, and compliance requirements throughout the loan lifecycle.

Assistant Manager – Liability Sales at Axis Bank Ltd. (2022-05 – 2024-10)

• Managed Savings Account (SA) and Current Account (CA) acquisition, focusing on new-to-bank (NTB) customer onboarding and business development.
• Developed and maintained strong relationships with NTB customers, understanding their financial requirements and providing suitable banking solutions.
• Managed unmapped Existing-to-Bank (ETB) customers and identified opportunities for customer engagement, retention, and cross-selling.
• Generated and converted leads for Life Insurance (LI), General Insurance (GI), and Retail Deposits, leveraging the NTB customer portfolio and ETB customer base.
• Identified cross-selling opportunities across multiple banking and financial products based on customer needs and eligibility.
• Generated leads for B2B Credit Card/Loan products, B2C Credit Card/Loan products, Channel Finance, Business Loans (BL), Personal Loans (PL), Gold Loans, Credit Cards, Forex Cards, and other banking products.
• Conducted customer profiling and need-based conversations to identify potential opportunities and improve customer-product penetration.
• Coordinated with internal product and credit teams for smooth lead processing, documentation, and timely resolution of customer requirements.
• Maintained regular follow-up with prospective customers to improve lead conversion and business generation.
• Contributed to overall branch/channel business growth through customer acquisition, relationship management, product penetration, and cross-selling.
• Ensured adherence to banking processes, KYC requirements, internal policies, and compliance standards during customer onboarding and product sourcing.

Front Office Associate at Murari Mohan Hotels Pvt Ltd (Hotel Silver Arcade) (2021-04 – 2021-11)

My basic job role was to handle customer reservation requests, managing room allotment, clearing bill and process documentations regarding all the reservations.

Graduation – Malda College, University of Gour Banga (2016)

Higher Secondary Examination – WBCHSE (2013)

Secondary Examination – WBBSE (2011)