RESUME

Name : SUBHAJIT RANJAN DEB

Permanent Address : 526 PURBAPARA, SUNNY BLOOM APARTMENT FLAT 1B 1ST FLOOR BLOCK – 2 P.O.LASKARPUR, DIST: 24 PGS(S) GARIA, KOLKATA – 700153

Contact Numbers : (033) 2435-2572 (Residence), 9830981933 (Mobile), 7710083270 (Mobile)

E-mail Id : dsubhojit@yahoo.com , subhojit.deb73@gmail.com

Marital Status : Married

EDUCATIONAL QUALIFICATION

YEAR EXAM INSTITUTE1998 – 2000Completed in the month of July’2000

MBA (Finance)(Passed with 1st Class Marks)

IMM (Institute of modern management),CalcuttaApproved by Visva Bharati University, Shantiniketan

2000Completed in the Month of Dec’2000

IBM certified E-commerce Passed with Distinction

Asset International, Aptech Limited

1996 P.G. Diploma in Foreign Trade (Export & Import)

Institute of Export Management, Calcutta

1994-1997 CA Articleship Training Institute of Chartered Accountants of India1991-1994 B.Com (Honours) South City College, Calcutta University1991 Higher Secondary Examination South City College , Kolkata1989 Madhyamik Examination St. Xaviers School , Haldia

EMPLOYMENT HISTORY

Organization From To DesignationAeon Credit Service India Pvt Ltd March 2015 Till date Regional Manager – WestHashtags infotech Pvt Ltd Sep 2014 March 2015 Self employedCapital First Ltd , Kolkata May 2008 August 2014 Area Sales Manager

Citi Financial , Kolkata July 2005 May 2008 Manager , Sales FinanceBajaj Auto Finance Ltd., Kolkata July 2002 July 2005 Business Development OfficerCHC Information Technology Ltd. Jan’2002 July’2002 Branch in Charge (Marketing)Kaashyap Radiant Systems LTD(www.kaashyapradiant.com)

July’2000 Dec’2001 Junior Software Engineer

LARSEN & TOUBRO LTD.(Engineering Construction Company)

Feb’98 Aug’98 Accounts Executive with job responsibility of administrative work also.

ADITYA SARAOGI & CO. (Chartered Accountant’s)

Aug’ 94 Aug’ 97 Article Clerk under Institute Of Chartered Accountants Of India

1

PROFESSIONAL & PERSONAL SKILLS

Channel management and distribution based businesses Tactical thinking and execution by translating business unit goals into actionable plans and strategies and then actively

managing business plans to meet revenue goals. Managing large teams across geographies. Sales facilitation, coaching and manpower planning for extracting the best

output from my team. Problem solving and trouble shooting skills which is put to use in synthesizing the insights of colleagues and other resources

to best understand all dimensions of the proposed solution. Seeking opportunities for continuous improvement of business practices and processes. Strong customer and solutions focus. Strong influencing, communication and presentation skills. Proven ability to lead, inspire and direct a fairly large and diverse workforce. Excellent collaboration, consensus-building, teamwork and interpersonal skills, particularly cross boundaries. Believe strongly in creating bonds and building relationships. Always maintain transparent and fair dealings with all concerned. This has benefited tremendously in building and

sustaining trade relationships.

JOB OBJECTIVE

Senior level assignments in Sales / Branch Administration. Preferably in the Banking/Non-banking industry.

Dynamic Change-agent; Skilled in repositioning organizations to achieve operational and service excellence through proper sales planning, prioritization, contingency, risk planning and customer service.

Location Preference: Anywhere.

JOB PROFILE SUMMARYCurrently I am employed with Aeon Credit Service India Pvt Ltd a Japanese Multinational Company spread in all the Asian countries and has started business operation in India from 2013. I have joined as Head – Western Region and responsible for business growth and expansion in entire western region in consumer durable financing.

In Capital First Ltd. ( earlier the company name was Future Capital ) I was part of the Lending team in Kolkata responsible for acquiring customers for Mortgage and Home loans , directly through internal channels as well as through external channels (DSA’s & Referrals).

Before this I was also managing the Consumer Durable business as Regional Manager for Electronics and Furniture Products from Future Group Stores like Pantaloon, Ezone, Home Town and Big Bazaar formats in East Region. Key deliverables are achieving revenue targets both through loans, processing fees, and controlling delinquency and moving branches to profitability. Also I was responsible for start up of our Consumer Durable business in Open Market at Kolkata and was successful in getting all the big / key dealers of Kolkata like Khosla Electronics Pvt ltd, Great Eastern Trading Co. and others for our business. Also responsible for recruiting manpower at all the open market stores and had successfully done the same. Disbursed 700 units of consumer durable loans from east region with an average value of 1.75CR monthly. Also maintained Bkt X resolution of 93% to 95% month on month for Kolkata and 100% for other locations in East. From 2009 to 2010 along with the consumer durable business I was also responsible for the distribution business of kolkata which included Insurance products (both Life and Non-Life Insurance) , Mutual Funds and HDFC Bank PL and Business Loan. Had driven the distribution business successfully and disbursed 3 crs of Business including PL salaried and Business Loan in 1 year. In the month of August 2009 was able to achieve Famous Five Contest for distribution business and I was among the first five to achieve the contest. In distribution business had gained vast experience along with good relationship at various levels.

In all the above role I have been successful in sustaining business volumes, controlling delinquencies and maintaining profitability across the locations.

2

Previous work experience in Sales Finance for Consumer Durable Loans and Two Wheeler Loans with Citigroup promoted CitiFinancial and Bajaj Finance at Middle level. Had detailed and huge exposure to retail business networking, Channel Development & growth, Managing people and distribution.

Throughout the job I have developed very good relationship with people at all levels and gained experience at various levels in terms of managing business, whether its high competition, delinquency, people challenges. Appreciated for being highly analytical and detailed in work with tremendous energy level to drive people for business and growth. Also I am known for my inspirational kind of leadership at all level.

Specialties:

Core Competencies: Team Player, Goal Setter, Problem solving & Analytical ability, Channel Management, Inspirational Leader, Product Knowledge and documentation.

Job responsibility with Hashtags Infotech Pvt Ltd as Self employed (September 2014 to February 2015)

Sep 2014-Feb 2015

Designation : Director Hashtags Infotech Pvt Ltd- Franchisee of NIIT Ltd

• Running Center for NIIT Ltd• Student Management• BTL• Commercial Expertise in Setting up educational centre

Job responsibility with Future Capital Holdings now Capital First Ltd, (May 2008 to August 2014)

As Area Sales Manager I managed business in Loan against Property (HE) and Home Loan for Kolkata Location with average monthly business of 5-6 cr a month. Had disbursed big ticket size LAP cases which includes one single case of 28cr single handedly. Having strong knowledge in operations, process, policy and understanding of legal and valuation for the mortgage business. Portfolio quality being excellent with Zero delinquent cases. Maintained good relationship with all the customers and all our business associates which has helped to get incremental and quality business. Focused mainly on retail business with business ticket size of 1 to 3 cr. Also being successfully achieved insurance target and penetration on LAP business done till date. Being able to maintain healthy business IRR for better profitability of the product. Had started mortgage business from scratch & made location operational with good achievement in all respect. New channels were identified, appointed & trained for the location to map monthly targeted figures accordingly. Have given good servicing to channels in terms of business sourcing & payout processing. Before joining Mortgages I managed the consumer durable business for entire East location from 2008 to 2010.

Achievement

Demonstrated proficiency in managing different relationships like DSA , DST to work in sync with the set parameters & motivating them for achieving business & individual goals.

Proficient in cementing healthy relationship with business associates & rendering effective service. Talent for proactively identifying and resolving problems.

Proven expertise in ensuring to meet the business requirements in all the parameters, thereby providing best result to the organization.

Maintained portfolio quality with zero delinquency. Skilled in proactively identifying the problems and providing prompt resolution. Possess interpersonal, communication, leadership and analytical skills with demonstrated abilities in customer relationship

management Have started most of the Business products from scratch in East Location single handedly. Consistency in achievement of monthly targets and profitability along with best customer service. Single handedly managed big ticket size Mortgage loan upto 30 crs.

3

Built Book Size of 200 cr in Kolkata location with nil delinquency. Successfully achieved business target for all the contest (Trip to exotic location outside India) rolled out last 1 year.

Separately achieved contest target for Insurance premium collection also.

Job responsibility with Citi Financial from July 2005 to May 2008

Manager – Sales Finance

Relationship Management within channel network , Manufacturers , Developing Sales channels for Two wheeler , Consumer durable financing like Personal Computer, Inverters, Honda Genset, Furniture, Kitchen Appliances , Home Appliances, Electronic appliances , Insurance products ( Life Shield and Dura Shield ) and managing sales team effectively for achieving sales target and other commitments.

I was responsible for sourcing business from Kolkata and Up Country for Two wheeler and Consumer Durable of 1200 units and 1500 units respectively. Also handled Key accounts in consumer durable counters like Khosla Electronics Pvt. Ltd, Great Eastern Electronics in kolkata where no of monthly finance volume was 600 units each. Handled outsourced sales team of 60 people with one sales officer under me , 2 DSA for Consumer Durable and Two wheeler each and Back Office team of 8 people.

Achievement

Achieved target month on month consistently. Being highest contributor to business volumes nationally for consecutively 2 years in PC finance segment. Won every contests in insurance penetration on products, achieved award for highest volume contribution in PC finance and for highest penetration of insurance business in two wheeler month on month also. Achieved highest growth in two wheeler and consumer durable finance and achieved target for the financial year 2007-2008 at more than 100 % .Visited countries like Srilanka, Dubai,Bangkok, for achieving sales targets on contest. Gathered in depth knowledge in various cross functions like Operations, Credit and Risk, Fraud Control and Customer Service.

Job responsibility With Bajaj Auto Finance Ltd. From July 2002 to July 2005

Sales Officer –Loans (TW and CD)

Marketing of finance schemes in the city. Distribution of various tie-up schemes to channel partners. Dealer verification. Dealer visits and co-ordination. Starting and developing new counters in the city. Solving various dealer problems regarding disbursement, buydown etc. Distribution of disbursement and Incentive cheques to dealers. Setting targets to dealers and motivating them to achieve the set target. Visits to various manufacturers in the city. Distribution of monthly buydown reports to the various manufacturers. Credit appraisal based on physical verification and using own techniques. Developing DSA’s in various areas. Co ordination and managing of DSA’s. Recruitment of DMA staff and co-ordination with them. Setting target for DMA staff and evaluation of DMA staff. Regular feedback to HO about the market conditions and competitors activities. Participation in Loan Mela. Correspondence with dealers and manufacturers regarding schemes, buy down etc. Daily Monitoring of payments. Ensuring timely clearance of file by back office staff. Getting breakthrough of potential dealers from our competitors. Regular monitoring of dealer network. Regular monitoring of verification agency. Conducting frequent asset verification at customer place before payment disbursement to dealer. Follow up of customer arrears Evaluation of arrears - dealer wise and monitoring collection.

4

Taking Cost effective measures. Imparting training to dealer staff of procedures for quick and easy loan disbursement. mparting leadership quality for achieving targets set.

Achievement

Increase in business units and volume, building up long term relationship with channel partners and Manufacturers.

TECHNICAL SKILLS SUMMARY

DescriptionOperating Systems Windows-95/98, Windows-NT (4.0), DOS,Windows 2000, LINUXLanguages Java( Applet,Swing)

including Advance Java (SERVLET, RMI, JAVABEANS,JSP), EJB , XML, ASP, C++

GUI FrontPage, HTML, DHTML, Java Script, VBScript,Visual Basic 6.0Backend Oracle 8i , SQLServer 7.0,MS-AccessSAP Sales Domain

MBA SUMMER PROJECT: 1999 (July – August)

Company Name: Indianoil Corporation limited, Marketing Division, Eastern Region, Kolkata

Project: Receivables ManagementBrief Synopsis: -

Cost-Benefit Analysis on the basis of Extended Credit period. Ageing Schedules of Receivables Graphic presentation of the amount received Trend Analysis to show the position of receivables Highlighting features of Risk Assessment Model given by Crisil. Analysis of credit Terms. Report on MIS & current system of accounting. Recommendations made. Worked closely with Sales & Finance dept. I had the Opportunity to work under Chief Finance Manager IOCL, whose able guidance was of immense help to me for

successful completion of the project and also to get an in-depth knowledge of Decentralization of Accounts Receivables, Banking operations etc.

I have achieved highest marks for Project work & Viva Voce in the 4th Semester (Specialization in Finance).

PERSONAL PROFILE

Date of Birth : 02-01-1973.Passport Number: F7312083Salary Expectation: Negotiable

Extra-Curricular Activities:

Won College Table Tennis Tournament & represented at the district level in school also.Languages Known: English, Hindi, and Bengali. Other Interest:

Reading Newspapers, Magazines. Watching Movies and Television, Specially, Talk Shows and Interview of Celebrities, Successful Personalities, Travelling.

5

THANKS AND REGARDS

(SUBHAJIT RANJAN DEB)

6

THANKS AND REGARDS

(SUBHAJIT RANJAN DEB)

6