Biswaroop Saha Roy

Background

About Biswaroop Saha Roy

Professional banker with 15+ years of experience in the Banking Industry with Canara Bank (and erstwhile Syndicate Bank, amalgamated with Canara Bank since April 2020) which includes 5 years as Branch Head, 2 years in Administrative offices, 2 years in MSME section & 4 years in Stressed Asset Management Branch looking after resolution of corporate accounts under stress through IBC or through Restructuring.Presently I am working as Senior Manager and acting as Section in-charge of Recovery Section of Regional Office II, Kolkata having a portfolio of almost 3100 stressed accounts with an amount of Rs 73.91 Cr.As a Branch head, I have been leading and motivating teams successfully and handling a job profile that includes• Retail & MSME Credit Appraisal and sanction within the powers delegated to me.• Sourcing and underwriting Big Ticket Credit proposal and placing them for sanction before respective committees.• Agriculture loans, SHG lending, Gold Loans, Mortgage Loans, Personal Loans.• New client acquisition, Client relationship management• Achieving of business targets – Deposits, Advances and Profitability.• Profit planning for the branch, garnering fee income, revenue generation.• Day to day operation management• Responsible to adhering to KYC and AML guidelines• Recovery from stressed accounts – filing SUIT, DRT, SARFAESI.• Responsible for implementation of various schemes of GoI, GoWB and RBI like financial inclusion, Mudra, Stand Up India, PMEGP, WBSCC etc.• Manage and control Branch expenditure within agreed budget.• Managing various audits, Legal and Regulatory Compliance etc.• Liasoning with external stakeholders and regulators like – SLBC, DCC, NABARD, RBI various line departments, empanelled advocates, property valuers, Audit firms, Consultants, IT vendors etc.I had the opportunity of working across various geographies in rural, Semi urban as well as metropolitan centres in Kolkata, Maharashtra and Andhrapradesh.