Sucharita Das

Sucharita Das

9 Years 8 Months Overall Experience
A seasoned banking professional with 9+ Years of experience in Retail Banking, served as Branch Head leading a team of 14+ members, with expertise in Credit & Payments, Financial Analysis and transformation. Has experience in Product & project management and Service Delivery. Proficient in requirement gathering , Product strategy, Product roadmap and leading cross-functional teams. An extroverted individual receiving accolades at state, company college levels in presentation, debate competitions and oration.

Functional Areas

         

Education

National Institute of Technology, Agartala
B.Tech in Electronics and Communication

2012

Accomplishment

Chief-Editor of 1st and 2nd editions of the SUCCESS STORIES booklets of Tripura Gramin Bank, published and circulated at national level.
1st Prize in State level Debate competition on Financial Literacy by RBI
Best presentation award in tech-fest of NIT Agartala, Moksha

Certification

C.A.I.I.B - Certified Associate of the Indian Institute of Bankers
J.A.I.I.B –Junior Associate of the Indian Institute of Bankers

Experience

Tripura Gramin Bank, Agartala

3 year 4 Months

Branch Manager

Dec’18 – Mar’22

Banking & Finance Experience

•Orchestrated collateral preparation and valuation, including financial model, competition benchmarking, valuation of compromise settlements for closure processes and deal finalization of SARFAESI enacted accounts

•Coordinated various due diligence processes (tax, financial, legal, etc.) of clients

•Led the existing deposit and credit business of the branch, and increased annual growth by 20%, mobilized new deposit up to 8 % including government deposits, and extended new credit by 15%

•Complied yearly Internal audits, Inspection Audit, Revenue Audit, Statutory Audits, and monthly Concurrent Audit of the branch

•Led the production of monthly management credit accounts ensuring major variances are explained and, if appropriate, identified remedial action/s and ensured taking corrective measures, thus avoiding monthly slippage by 25-30%, and quarterly slippage by 40%.

•Spearheaded Change management for financial and commercial policies specially for retail housing, vehicle and personal loan products of the bank

•Presented analysis reports for the CXO level stakeholders

•Edited the 1st and 2nd edition of the Success Stories Booklets of the bank

Product Management

•Spearheaded the ‘New Consumer Personal loan’ product and  monitored the post-launch growth in credit portfolio of the bank , increasing the retail customer base by 77-80%

•Developed product vision, strategy, roadmap and release plan, and managed Product backlog, created user Stories, and led agile scrum ceremonies – daily scrum, sprint planning, sprint review and spring retrospect

•Led the transition to new Finacle-X software with ~90% seamless conversion of the existing customer base, and monitored the release schedule dependencies and prepared risk analysis reports.

Tripura Gramin Bank, Agartala

5 year 4 Months

Assistant Manager, (MMG-I)

Aug’13 – Nov’18

Program Management

•Led cross functional teams to strategize and execute program to add new features to mobile banking app, UPI interface services and streamlined QR-code enabled transactions at various retail vendors outlets, resulting in 20-25% increase in revenue.

•Managed program schedule, scope, budgets, forecasts and resourcing levels; managed program risks and issues, and prepared reports and dashboard showcasing trends, patterns, and predictions for defining the strategy roadmap

•Responsible for financial restructuring and process improvements for the agri-sector, MSME and restructuring of micro – credit portfolio of the bank.

South Indian Bank Limited ,Agartala

9 months

Accountant

Sep’12 – Jun’13

•Managed operation related to new customer acquisition , resulting new business increase by 25%.

•Led initiatives client products of bancassurance, locker facilities, Third party services etc, resulting 35% growth in new client.