Curriculum-Vitae
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)
E-mail Id
:
dsubhojit@yahoo.com , subhojit.deb73@gmail.com
Marital Status
:
Married
Educational Qualification :
YEAR
1998 – 2000
Completed in the
month of
July’2000
2000
Completed in the
Month of
Dec’2000
1996
1994-1997
1991-1994
1991
1989
EXAM
MBA (Finance)
(Passed with 1st Class Marks)
INSTITUTE
IMM (Institute of modern management),Calcutta
Approved by Visva Bharati University,
Shantiniketan
IBM certified E-commerce
Passed with Distinction
Asset International, Aptech Limited
P.G. Diploma in Foreign Trade
(Export & Import)
CA Articleship Training
B.Com (Honours)
Higher Secondary Examination
Madhyamik Examination
Institute of Export Management, Calcutta
Institute of Chartered Accountants of India
South City College, Calcutta University
South City College , Kolkata
St. Xaviers School , Haldia
Employment History :
Organization
Capital First Ltd , Kolkata
Citi Financial , Kolkata
Bajaj Auto Finance Ltd., Kolkata
CHC Information Technology Ltd.
Kaashyap Radiant Systems LTD
(www.kaashyapradiant.com)
LARSEN & TOUBRO LTD.
(Engineering Construction
Company)
ADITYA SARAOGI & CO.
(Chartered Accountant’s)
From
May 2008
July 2005
July 2002
Jan’2002
July’2000
To
Till date
May 2008
July 2005
July’2002
Dec’2001
Designation
Area Sales Manager
Manager , Sales Finance
Business Development Officer
Branch in Charge (Marketing)
Junior Software Engineer
Feb’98
Aug’98
Accounts Executive with job responsibility of
administration also.
Aug’ 94
Aug’ 97
Article Clerk under Institute Of Chartered
Accountants Of India
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PROFESSIONAL & PERSONAL SKILLS
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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 PROFILE SUMMARY
Currently working with Capital First Ltd. ( earlier the company name was Future Capital ) and I am
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).
Earlier 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, 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 avg 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 Businesss 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 five to achieve the contest. In distribution business had gained experience along
with good relationship at various levels.
I have been successful in sustaining business volumes, controlling deliquencies and profitability across
the locations.
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Previous work experiece in Sales Finance for Consumer Durable Loans and Two Wheeler Loans with
Citigroup promoted CitiFinancial and Bajaj Finance at Middle level. Having detailed exposure to
retail business networking, Channel Development & growth, Managing people and distribution.
Having very good relationship with people at all levels. I have gained experience at various levels in
terms of managing business, whether its high competition, delinquency, people challenges. I am highly
analytical, detailed in work with tremendous energy level to drive people for business and growth. I
am known for my inspirational kind of leadership.
Specialties :
Core Competencies : Team Player, Goal Setter, Problem solving & Analytical ability, Channel
Management, Inspirational Leader, Product Knowledge and documentation.
Current Job responsibility with Future Capital Holdings now Capital First
Ltd , (May 2008 to till Date )
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Currently managing business in Loan against Property ( HE) and Home Loan for Kolkata Location
with average monthly business of 5-6 cr a month. Have disbursed big ticket size LAP cases which
includes one single case of 25 cr single handedly. Portfolio quality being excellent till date. 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. Have started
mortgage business from scratch & made location operational with good achievement. New channels
were identified, appointed & trained for the location so that monthly targeted figures should be
achieved. Have given good servicing to channels in terms of business sourcing & payout processing.
Successfully achieved business target for all the contest ( Trip to exotic location outside India ) rolled
out last 1 year. Seperately achieved contest target for Insurance premium collection also.
Reporting to Regional Business Head.
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,
Furnitures, Kitchen Appliances , Home Applicances, 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
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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 20072008 at more than 100 % .Visited countries like Srilanka , Dubai, Bangkok, Singapore 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 July2002 to July2005
Sales Officer –Loans ( TW and CD)
1. Marketing of finance schemes in the city. Distribution of various tie-up schemes to channel
partners.
2. Dealer verification .
3. Dealer visits and co-ordination. Starting and developing new counters in the city.
4. Solving various dealer problems regarding disbursement , buydown etc.
5. Distribution of disbursement and Incentive cheques to dealers.
6. Setting targets to dealers and motivating them to achieve the set target.
7. Visits to various manufacturers in the city.
8. Distribution of monthly buydown reports to the various manufacturers.
9. Credit appraisal based on physical verification and using own techniques.
10. Developing DSA’s in various areas .
11. Co ordination and managing of DSA’s.
12. Recruitment of DMA staff and co-ordination with them.
13. Setting target for DMA staff and evaluation of DMA staff.
14. Regular feedback to HO about the market conditions and competitors activities.
15. Participation in Loan Mela.
16. Correspondence with dealers and manufacturers regarding schemes, buydown etc.
17. Daily Monitoring of payments .
18. Ensuring timely clearance of file by back office staff.
19. Getting breakthrough of potential dealers from our competitors.
20. Regular monitoring of dealer network.
21. Regular monitoring of verification agency.
22. Conducting frequent asset verification at customer place before payment disbursement to dealer.
23. Follow up of customer arrears
24. Evaluation of arrears - dealer wise and monitoring collection.
25. Taking Cost effective measures .
26. Imparting training to dealer staff of procedures for quick and easy loan disbursement.
27. Imparting leadership quality for achieving targets set .
Achievement
Increase in business units and volume , building up long term relationship with channel partners and
Manufacturers.
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TECHNICAL SKILLS SUMMARY :
Operating Systems
Languages
GUI
Backend
SAP
Description
Windows-95/98, Windows-NT (4.0), DOS,Windows 2000, LINUX
Java( Applet,Swing)
including Advance Java (SERVLET, RMI, JAVABEANS,JSP),
EJB , XML, ASP, C++
FrontPage, HTML, DHTML, Java Script, VBScript,Visual Basic
6.0
Oracle 8i , SQLServer 7.0,MS-Access
Sales Domain
MBA SUMMER PROJECT: 1999 (July – August )
Company Name : Indianoil corporation limited, Marketing Division, Eastern Region, Kolkata
Project : Receivables Management
Brief 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.
Extra Curricular Activities :
– Actively participated to organise “CYNOSURE 99” at IMM – a two day workshop, including quizzing,
Panel discussion between Corporate Heads and students.
1998 - Passed the All India MAT (Management Aptitude Test) Exam.
1993 - Won College Table Tennis Tournament & represented at the district level also.
Languages Known : English , Hindi , Bengali.
1999
Passport No :- F7312083
Other Interest :
Reading Newspapers, Magazines. Watching Movies and Television, Specially, Talk Shows and Interview
of Celebrities, Successful Personalities , Travelling.
( SUBHAJIT RANJAN DEB)
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