Tirthankar Biswas

Credit Risk Governance and 1LoD Quality Assurance specialist with 13+ years across Tier-1 GBS/SSC wholesale credit risk environments (HSBC), spanning the full credit lifecycle – Pre- and Post-Approval underwriting review, Facility Offer Letter (FOL) preparation, limit loading/release, and First Line of Defense (1LoD) controls, for a £500M+ UK corporate credit portfolio. Proven track record independently reviewing credit files against Risk Control Matrix (RCM) requirements and internal audit standards, providing credible challenge to underwriting and portfolio teams, identifying process gaps and control weaknesses, and driving remediation with Relationship Managers, Business Heads, and Credit Approvers – sustaining 100% audit readiness and 99.8% SLA compliance. Experienced in process baselining, workflow standardization, and business transition outcomes in a global shared-services setting, with hands-on QA training and mentoring of 10+ analyst teams.

Currently building applied knowledge of SAP S/4HANA, SAP Cloud ERP, and Oracle Cloud Applications to support ERP-driven finance and GBS/SSC transformation engagements. Immediate joiner.

Assistant Manager (IC) – Credit Services at HSBC Electronic Data Processing India (EDPI) Pvt. Ltd. (GSC) (2024-06 – 2025-08)

• Accomplished 100% audit readiness across UK corporate credit portfolios, as measured by zero-breach SLA execution, by independently reviewing Pre-Approval underwriting quality, performing risk assessment in CARM, and enforcing 1LoD controls.
• Accomplished a 15% efficiency gain in credit risk mitigation, as measured by faster turnaround on high-priority escalations, by standardizing quality assurance workflows through PQMS and mentoring a 10+ analyst team.
• Accomplished measurable reduction in new-joiner ramp-up time, as measured by faster CARM and QA proficiency, by designing and delivering technical training and coaching on credit policy, process controls, and quality standards.
• Accomplished resolution of critical operational bottlenecks, as measured by improved cycle time on policy queries, by providing credible challenge and partnering directly with Relationship Managers, Business Heads, and Credit Approvers on business transition priorities.

Executive – Credit Services at HSBC Electronic Data Processing India (EDPI) Pvt. Ltd. (GSC) (2013-03 – 2024-05)

• Accomplished 99.8% SLA compliance across a £500M+ UK corporate credit portfolio, as measured by high-priority case throughput, by managing cross-border facility setups and daily stakeholder coordination with onshore UK teams.
• Accomplished consistent Facility Offer Letter (FOL) quality assurance, as measured by zero mandate deviations in peer sampling, by conducting regular quality assurance and audit checks against Credit Approver mandates and Risk Control Matrix (RCM) requirements.
• Accomplished secure, compliant limit execution, as measured by error-free releases, by verifying security approvals, covenants, and collateral alignment prior to limit loading in core banking systems.

Customer Care Executive – Card Services at HSBC Electronic Data Processing India (EDPI) Pvt. Ltd. (GSC) (2011-12 – 2013-03)

• Accomplished high SLA and audit scores on card servicing operations, as measured by consistent compliance ratings, by managing high-priority billing, activation, and dispute resolution queries.

Customer Care Executive at EXL SERVICES PVT. LTD. (2011-03 – 2011-10)

Managed customer complaint resolutions, billing queries, payment receipts, and account activations under strict SLAs.

Record Keeper & Computer Operator at G DASGUPTA & ASSOCIATES (2008-02 – 2011-02)

Maintained tax-related documentation, legal compliance archives, and digital record keeping per regulatory requirements.

Operations Executive at IBM DAKSH BUSINESS PROCESS SERVICES (2007-05 – 2008-01)

Handled customer query resolutions, technical dish TV activations, billing disputes, and payment processing.

Junior Factory Supervisor at MAA TARA ENGINEERING WORKS (2004-05 – 2007-04)

Supervised workforce attendance, inspected raw materials and tools, maintained finished product log sheets, and reported factory operations to the proprietor.

Bachelor's Degree in Commerce – St. Xavier's College, University of Calcutta (2000 – 2003)