Subojit Singha

Results-driven Credit & Risk professional with 6+ years of experience in retail asset underwriting, credit appraisal, KYC operations, and anti-money laundering specialist across leading Bank and NBFC institutions. Proven track record in evaluating creditworthiness for Home Loans, Mortgage Loans, Personal Loans, and Business Loans. Adept at managing high-volume credit portfolios, maintaining regulatory compliance, and driving portfolio quality.

Also manager day-to-day branch operational activity. Now seeking to leverage deep domain expertise in a Credit Manager role to lead underwriting teams and strengthen credit risk frameworks.

Senior Credit Executive – Retail Asset (Secured Lending) - Baroda Global Shared Services Ltd. (Wholly Owned Subsidiary of Bank of Baroda) - Kolkata

(2021-12)

• Conduct end-to-end credit appraisals on multiple parameters to assess creditworthiness of clients for Home Loans, Mortgage Loans, and Personal Loans — processing 100+ applications monthly.
• Evaluate and analyse financial statements, income tax returns, bank statements, and balance sheets to determine loan eligibility and mitigate credit risk exposure.
• Maintain strict portfolio quality standards; actively track asset quality and coordinate with branches and legal teams on weekly basis.
• Ensure full compliance with RBI/NHB regulations and internal credit policy guidelines during loan sanctioning and disbursement processes.
• Reconcile accounts, resolve credit-related discrepancies, and prepare detailed credit appraisal reports to support timely and accurate loan sanctioning.
• Mentor and guide junior credit executives on various scrutiny parameter, documentation checks, and KYC compliance.
• Maintained accurate MIS records and prepared daily/monthly reports for team performance tracking and portfolio monitoring.

Junior Process Officer – Unsecured Lending (Personal Loan & Business Loan) - HDB Financial Services Ltd. (HDFC Group NBFC) - Kolkata

(2019-11 - 2021-12)

• Processed and underwritten Personal Loan and Business Loan applications (unsecured vertical) by evaluating customer credit profiles, bureau reports, and income documents.
• Performed comprehensive KYC scrutiny for all loan parties, ensuring adherence to Central Bank regulations, AML policies, and internal compliance frameworks.
• Identified potential fraud indicators and red flags during document verification, escalating suspicious applications as per risk protocols.
• Coordinated with sales, operations, and legal teams to ensure seamless loan processing and timely customer on boarding.
• Oversee day-to-day operational efficiency, ensuring seamless coordination between legal panels and branch networks to accelerate loan processing and on boarding.

MBA - Finance & Accounting - Amity University Online (2023-07 - 2025-12)

B.A. (General) - Humanities - West Bengal State University (2014-05 - 2017-06)