SHAIKAT RAKSHIT

Mobile: 09477437698 E-mail: shaikat.rakshit@gmail.com

Alternante E-mail Id : shaikat.r@gmail.comSkype Id: shaikatrakshit

Seeking assignments with a growth oriented organisation.

APERCU

Presently working as a “ Deputy Manager - Retail Asset Operation (Gold loan, Car loan,

Bike loan, Personal loan) ” in “ HDFC Bank Limited ” since March , 2015

Previously worked as a “ Assistant Manager- Credit And Operation For Loan Against Gold ”

in “ Axis Bank Limited ” since June, 2012 to March, 2015

Previously worked as a “ Accounts Assistant ” in “ Muthoot Finance Limited ” since July,

2011 to June, 2012

Completed full time “MBA in Finance” from “Future Business School” under WBUT in

2011.

Ability to do multi task work under tight deadline and can also work with minimal supervision.

Efficient planning skills with ability to work with teams for achieving organisational goals.

WORK EXPERIENCE

1) Organisation : HDFC BANK LIMITED

Designation : DEPUTY MANAGER - RETAIL ASSET OPERATION

Job Responsibility:

Handling entire operational part of the branch mainly for loan against gold & also looking after operational part for Installment loan product at month end (personal loan, two wheeler, car loan etc)

Detail credit analysis preceeding the granting of a loan based on credit information furnished by the borrower such as employment history, salary, other obligation, CIBIL report and financial statements etc.

Processing of fresh loan after taking all necessary documents as per the Bank’s Rules & Regulation.

Giving approval for a particular case and also taking approval from competent authority in case of any deviation & exception.

Need to check whether all required documents are in place or not

Also need to check the authentication of the documents provided by the customer & sales

Need to cross check the valuation of ornaments valued by the valuer to identify whether there is any spurious ornaments or not.

Initiate TVR, FI, CIBIL, CAM, PD depending on the case.

Handling of audit related issues & co ordination with Fraud Control Unit

Weekly stock audit of gold packet in the strong room.

Checking of data entry done by co-ex for flawless disbursement..

Process improvement suggestion.

2) Organisation : AXIS BANK LIMITED

Designation : ASSISTANT MANAGER - CREDIT AND OPERATION FOR LOAN AGAINST

GOLD

Job Responsibility:

Handling entire credit and operation part of the branch for Loan against Gold. Detail credit analysis preceding the granting of a loan based on credit information furnished by

the borrower such as employment history, salary and financial statements etc Main custodian of vault. Proper tracking of sales executives in terms of flawless disbursement & KYC Processing of fresh loan, renewal & closure Giving approval for a particular case to be disbursed and also taking approval from competent

authority in case of any deviation & exception. Cross check of the gold after valuation done by valuer. Maintaining of physical gold packet tray wise in the vault. Handling of audit related issues. Weekly stock audit of gold packet. Co ordination with fraud control unit at the time of branch visit. Original seen & verified of KYC before loan processing as per the bank’s laid down Rules.

.

3) Organisation : MUTHOOT FINANCE LIMITED

Designation : ACCOUNTS ASSISTANT

Job Responsibility :

Handling of cash through out the day. Second custodian of strong room. Maintaining stock of gold coin. Proper valuation of gold jewellery preceding the granting of a loan. Taking of proper documents as per the RBI Rules and Regulation. Making payment to vendors. Preparing BRS by the end of each month. Preparing daily business report and send it to regional office. Maintaining of all accounts related register. Collecting and filling up of 15G/15H Form. Money transfer across country. Purchase & sale of foreign currencies.

EDUCATIONAL CREDENTIALS

2011 ( Post Graduation ) :- Full Time MBA (Finance) from Future Business School under

West Bengal University of Technology , Kolkata with YGPA of 7.53

2009 ( Graduation ) :- “Bachelor of Computer Application” from George College, under West

Bengal University of Technology , Kolkata with YGPA of 7.83

2006 (Std. XII) :- COMMERCE from H.D.V.A.S High School, Kolkata, W.B.C.H.S.E with

63.5% Marks.

2004 (Std. X):- B.P.I. High School, Kolkata, W.B.B.S.E with 57% Marks.

IT SKILL SET

MS – OFFICE ( Word, Excel, Power Point )

EPR - Microsoft Dynamic Navition

TALLY

FINNACLE

FLEXCUBE

AWARDS & ACHIEVEMENTS

Received award from “Axis Bank Ltd ” for outstanding performance In terms of operational

excellence.

Participation certificate of “Foreign Exchange Management Act 1999 ” held by FEMA

Participation certificate of “Gold Appraisal” held by Indian Institute Of Gems & Jewellery,

Mumbai.

Received prize from Higher Secondary School for scoring highest number in Accounts Paper.

HOBBIES

Listening to Music

Bike Riding

Love keeping pets

PERSONAL DETAILS

DATE OF BIRTH : 17th December 1987

GENDER : Male

FATHER’S NAME : Dodul Kanti Rakshit.

MOTHER’S NAME : Shipra Rakshit.

SPOUSE NAME : Rumita Das

MARITAL STATUS : Married

NATIONALITY : Indian

RELIGION : Hindu

LANGUAGES KNOWN : Can Read, Write And Speak English & Bengali.

Only Speak Hindi.

PERMANENT ADDRESS : 30, Pragatipally Subhashgram.

PS - Sonarpur. PO - Subhashgram,

Kolkata-700147

MOBILE NO. : 09477437698

PASSPORT NO. : M6878123

PLACE: KOLKATA

DATED: (SHAIKAT RAKSHIT)