Subrata Singha

A MBA, Finance having 18 years’ experience working for different Microfinance Institutes, NBFCs and Fintech into various leadership and managerial roles across different parts of the country mainly into Microfinance, MSME and Retail Financial Inclusion with major exposure in Business Operation, Sales, Risk & Credit, Internal Control & Governance, Product development & Strategy.

Chief Operating Officer (COO) at Sarala Development & Microfinance Private Limited (2023-07 – Present)

About the Company – a NBFC-MFI.

• Handling entire business, strategy, product development and IT across the Organization.
• Managing an AUM of 250 CR including BC of different Banks and own portfolio.
• Managing a total Team Size of 350 Employees.
• Maintaining Portfolio Quality.
• Designing Micro and SME Unsecured Product aligned with Regulator and respective Banks.
• Governing the entire Rural Business Outreach.
• Planning and Execution of New Business Opportunities.
• Building entire infrastructure within 6 months from 150 Employees to 250 employees resulting to Rs. 10 CR. Loan per month to Rs. 35 CR Loan per month.

Lead – Rural Finance (Head – Rural Lending) at Atyati Technologies Pvt. Ltd. (2019-04 – 2023-06)

About the Company – a Fintech Organisation owned by Metdist Group, London.

• Handling entire Financial Inclusion Part and Rural Asset Portfolio across East India.
• Managing a CSP Network of 8000 + CSPs across different Banks spreaded across East India.
• Managing a total Team Size of 280 Employees.
• Maintaining Portfolio Quality.
• Designing Micro and SME Unsecured Product aligned with Regulator and respective Banks.
• Leading a Total Transaction Volume of 1000 CR. Per month and Rs. 100 Cr. Loan Disbursement per month among 1 CR.+FI Customer base and 5 Lacs Lending Customer Base.
• Governing the entire Rural Business Outreach.
• Planning and Execution of New Business Opportunities.
• Building entire infrastructure within 6 months from 20 Employees to 200 employees resulting to Rs. 10 CR. Loan per month to Rs. 100 CR Loan per month.

State Head – Kolkata (Regional Manager) at L & T Financial Services (2018-03 – 2019-03)

• Control and manage 8 territories across South Bengal, 40 Meeting Centers.
• Managing team size of 300+.
• Total Book-size / Portfolio of 400 CR. Among a Customer-base of 1.7 lacs.

Chief Operation Officer at Sarala Development & Microfinance Pvt. Ltd. (2014-08 – 2018-02)

• Drive the entire Business Operation, Strategy & Cross-Sales.
• Strategy towards Product Development, Business Development
• Credit Model designing
• Risk Management
• Drive the Cross Selling Unit
• Taking care of Branding and Marketing division / Segment of the industry
• Taking care of MIS system for the Organization
• Carrying out Risk management practices including Credit and Operational Risk for the Company.
• Took over its Operation at a very unstable stage with 22 CR. Portfolio with 55 Branches and took it to a level of 180 CR. Portfolio among 68 branches.
• Developed Credit Strategy, Business Model, Business Plan for the entire organization
• Helped the Organization to raise funds from different Banks / FIs.
• Facilitated 1,30,000 Units of Solar within 18 Months.
• Assisted the Organization to work as a Business Correspondent for IDBI Bank and managed a portfolio of 50 CR. Under BC arrangement.
• Launching New Product Range, Credit Model, Branch Profitability Index.
• Developed Risk tool, Internal Audit Tool, Grading techniques for the Organization.
• Developed HR Policy, Manuals, Practices
• Successfully launched its cross selling unit and drove the entire cross selling division with techniques, plans, control etc. and sat a successful example in the industry.

Head-Risk at SV Creditline (P) Ltd (2013-06 – 2014-07)

• Drive Risk and Audit Function in SVCL
• Design different tool for Risk Management and Internal Audit
• Handle Audit, Risk, Operation Partnership (Business Correspondence) Model
• Provide Strategic direction to the Organization
• Be a part of Leadership Team and contribute to Organizational Policies, Processes, Systems, and Business Projections etc.

Zonal Manager - Business at Spandana Sphoorty Financial Services Pvt. Ltd. (2011-12 – 2013-06)

• Handled 50 Branches across 4 districts of Karnataka, 2 districts of Maharashtra and Goa State
• Managed a Portfolio of 100 cr.
• Handled a team of 2 Divisional Managers, 8 Regional Managers, 50 Branch Managers and 250 Field staffs
• Achieved a Portfolio Quality of 100% Repayments and zero Fraud across the zone for 1 year.
• Got 3 Promotions in one year
• Got Recognition of Best Target achiever for 2 quarters and Best Zone Annually
• Track record of Highest Staff Retention
• Managed big legal cases of Misappropriation and managed to recieve 28 lacs from Civil Court

AGM – Operation and Internal Audit at Hope Micro Credit Finance (India) Pvt. Ltd. (2010-07 – 2011-11)

• Handle 47 Branches in the states of Kerala, Tamil Nadu, Jharkhand, Andaman and Nikobar Ireland and Meghalaya
• Entirely Responsible for Operational Excellence and Portfolio Quality.
• All Functional Responsibility like Finance, MIS, HR at Branch and Region Level
• Also Looking after Risk Management and Internal Control system
• Responsible for Social Performance, Credit Control and Implementation of Policy.
• Also Coordinating Fund Raising Activity for the Organization.

Credit Manager at Ujjivan Financial Services (p) Ltd. (NBFC-MFI) (2008-07 – 2010-06)

• Analysis of credit worthiness of an applicant.
• Approval of Loans.
• Track and monitor the repayment and error rate of western region.
• Maintaining a Portfolio of 7 branches.
• Monitor overall field process.
• Evaluation and analysis of the Deviational and Doubtful Credit cases
• Surprise Inspection to all the branches and conduct cash and Loan Portfolio Audit
• Maintained a portfolio of 10000 customers
• Tracked repayment and error rate of all 7 branches of western region
• Conducted the area survey and Area Cross Check of urban spaces of Pune, Pimpri, Chinchwad, Kolhapur, Sangali and Solapur. And some parts of Mumbai and
• launched Branch Operation
• Prepared Credit Model for the company for Western India
• Conducted Training Programs for the field staffs
• Acted as a Mentor for the Internship titled “Income generating Activities for poor Segment of a society”
• Got 2 Appraisals in 6 months

New Business Development (60 days) at Bazaari Global Finance Ltd. (NBFC)

Consultancy & Research Service. Project: New Business Development (60 days)

• Launching JLG Business,
• Area Survey of Jodhpur and surrounding
• Process Mapping with Microsave
• HR manual with Microsave
• Documentation
• Branch administration and Start up
• Recruitment of BMs and FOs

Sr. VP – Institutional Sales and Business Development at Wakabayashi Fund LLC, Tokyo, Japan

Compensation: Variable Pay

• Integral Business Development throughout India and Asia
• Prospect, Negotiate and Close Deals
• Initial Due Diligence for Institutional Sponshorship.

Marketing researcher, team-Leader at PepsiCo India pvt.ltd (2004 – 2004)

Professional Experience (Internship)

• Worked as Marketing researcher for PepsiCo India pvt.ltd, in 2004 as team-Leader handling a team of 12 members conducting Wage-Survey

Marketing researcher, team-member at INDIAN BANK

Professional Experience (Internship)

• Worked as a Marketing researcher for INDIAN BANK, Pune as a team-member of a team of 6

MBA in Finance – University of Pune (2008)

BBA in Management – IIMT, Meerut (C.C.S. University, Meerut) (2005)

12th Std in Science – West Bengal Board (2002)

10th Std – West Bengal Board (2000)