Soham Dutta

Banking operations professional with 4+ years of experience in SME banking, compliance, loan documentation, MIS reporting, audit support and operational risk management. Skilled in SQL, Advanced Excel, Power BI and stakeholder coordination, with expertise in documentation verification, account monitoring and regulatory compliance. Seeking opportunities in AML, KYC, Transaction Monitoring, Fraud Risk and Financial Crime Operations.

Assistant Manager II - SME Recovery Department at DCB Bank (2026-01 – Present)

• Verified loan documentation and ensured compliance with internal policies and RBI regulatory requirements.
• Performed account monitoring, operational workflow reviews, and SLA compliance tracking.
• Prepared MIS reports, performed data validation, and supported operational risk reporting using Excel and SQL.
• Identified and escalated documentation discrepancies and policy exceptions to senior management.
• Ensured strict adherence to RBI guidelines during loan verification and account monitoring processes.
• Coordinated with cross-functional teams to resolve exceptions and improve operational efficiency.
• Supported internal controls, process documentation, and audit-readiness activities.
• Handled Section 138 NI Act (cheque bounce) cases and coordinated with legal vendors for filing and follow-up.
• Processed SARFAESI notices under Section 13(2) and 13(4) for NPA accounts and supported Section 14 possession proceedings through the District Magistrate.
• Assisted in the legal vendor empanelment process and coordinated with empanelled advocates for recovery case management.

Associate – Recovery Department at Bandhan Bank (2024-02 – 2025-12)

Awarded 5/5 performance rating for exceptional accuracy, compliance adherence, and timely reporting delivery.

• Reviewed and processed 1,500+ OTS cases monthly — ensuring documentation accuracy and policy compliance.
• Verified OTS documentation ensuring 100% accuracy and compliance with internal policies and regulatory standards.
• Maintained OTS tracker to monitor settlements, closures, and follow-ups with precision.
• Prepared MIS dashboards and management reports using Excel and SQL for senior leadership decision-making.
• Supported audit-related tasks including documentation review and compliance verification.
• Analysed loan portfolio trends to identify recovery patterns and support strategic decisions.
• Ensured strict adherence to internal compliance policies and regulatory standards during OTS processing and account closure activities.
• Analysed payment patterns to identify potential NPA risk accounts and escalated findings to the sales team for early intervention.
• Drafted BRDs and process flow documents to improve operational efficiency and workflow clarity.
• Coordinated with Legal, Field Collection, and Operations teams to resolve exceptions smoothly

Associate at Technokrats (2019-02 – 2020-11)

• Managed seller account verification and onboarding documentation across Amazon, Walmart, and eBay US platforms.
• Performed identity checks, account monitoring, and compliance screening for 100+ seller accounts.
• Maintained accurate product data, inventory records, and resolved customer queries on time.

MBA in Operations (Major), HR (Minor) – Regent Education and Research Foundation (2022 – 2024)

B.Tech in Computer Science Engineering – Camellia Institute of Technology & Management (2019 – 2022)

Diploma in Computer Science & Technology – Saraj Mohan Institute of Technology (2016 – 2019)