DEBASISH DAS

Master of Business Administration(Finance & Marketing)

MBA Batch of 2005 CMRIMS, Bangalore, India.

Correspondence Address

C/O Mr. Debasish Das. #5, 1st Floor, 1st Cross, Chinappa Layout. Kammanahalli Main Road Bangalore – 560084 Karnataka. Contact No- 9902327982 or 8147739775

Permanent AddressAshok Market, 4th floor- II

k. N.C Road(North) Barasat, Uttar 24 Pargana, West Bengal- 700124 E-Mail:dasd1@anz.comdev_debasish@rediffmail.

com or debasish_dev01@yahoo.com

Personal Data

Father’s Name: Late. Satya Gopal DasDate of Birth: 5th April

1981Sex: MaleNationality :IndianMarital Status: SingleLanguages: English, Hindi,

Bengali

RESUMEOBJECTIVE

To associate myself with a growing organization. I am looking forward to work in a progressive and challenging environment, where can enhance my skills and potentials to the best and exploit them to create new avenues and also to achieve perfection in all my works through hard dedications.

PROFESSIONAL SYNOPSIS A total Experience of 8+ years. Working with ANZ Mortgage Credit Assessments focused on Credit

Analysis & research & decision making, reporting,-As SME(Subject mater Expert)/Production Lead, focused on supporting the team & handling a tem of 17 members & to train staff regarding Profit & loss Statements, Balancesheet, PAYG Income, Securities, Investments, CRAA & Bureau Report. Analyze customer’s repayment ability against secured lending.

Worked as Asst. Finance Officer with Infosys Pvt. Ltd.

STRENGTHS

Strong learner and innovative. Ability to lead and motivate colleagues. Ability to deliver even in exigent conditions. Ability to live and work in a group excellently.

EDUCATION

Educational Qualification:

Master of Business Administration (MBA) C.M.R. Institute of Management Studies. Bangalore University, Bangalore. Year: 2003-2005 Total Aggregate: 60%

Bachelor of Business Management (BBM) C.M.R. Institute of Management Studies. Bangalore University, Bangalore. Year: 2000-2003 Total Aggregate: 56%

Higher Secondary Examination (HSC) City College

Year-1999 Total aggregate: 66%

Secondary Board Examination (SSC) Collegiate School

Year-1997 Total Aggregate:72%

SKILL DEVELOPMENT

Strong Knowledge in MS Office especially MS Excel, & Familiarity with computers and basic applications.

Confident Attitude, Aggressive on meeting deadlines and targets.

Responsive, enthusiastic and mature in approach. Open to critique and suggestions for improvement.

Swift in Picking up new things, result driven achiever, can highly acclimatize to work in-group with interpersonal skills.

Excellent research and critical thinking skills. Detailed Oriented with good management skills. Risk taking skills and ability to meet work effectively within deadlines.

Employment History

From To Name of Company Designation22nd January 2007

Present ANZ Operations & Technology Shared Services.

SME/Production Lead (Mortgage Credit Assessment) CAD Holder, CAD B+/Limit $2.5 million.

10th October 2005

27th December 2006

Infosys PVT. Limited Asst. Finance Officer

Work Experience in ANZ: Mortgage-Underwriting

Mortgage Broker/Mobile Lender /Network Credit Assessment: Currently working with Broker/Mobile Lender/Network Credit Assessment from 1st February 2008 as a Credit Assessment Officer. Current designation CAD Holder (Underwriting) Tier-1, Limit $1 Million.

Process work (Underwriting -Mortgage): Receiving Application from Various sources (Mobile Lender or Broker or Network), Assess application:

1. Coaching and Managing People . A guide to assist assessors in when and what to check in regards to customer's external credit report , Dealing with adverse credit reports Assessor Guidelines outlining Credit Upline Process for Broker and Mobile lender to the content of the credit aids.

2. Review the information to ensure that ANZ employees who manage judgmental credit have a shared understanding of ANZ’s credit risk, policies and principles, regardless of role type, job grade or level of goup Wholesale Credit Risk

3. How to plan and have effective credit coaching conversations with staff new to role or new to Australian Mortgage process, coaching for Performance.

4. A guide to assist assessors in when and what to check in regards to customer's external credit report, dealing with adverse credit reports, Assessor Guidelines outlining Credit Upline Process for Broker and Mobile Lender to the content of the credit aids.

5. Achieved CAD B+ (CAD Acceptance Limit $2.5 million) Currently in CAD C progression (CAD Acceptance Limit $3.5 Million), Assess complex deals related to Company, Trust, Owner Builder, Lo Doc 60, Score Card Decline, Dual Applications etc. Analyze securities, Income, Bureau Report & CRAA Report.

6. Ensure optimal resource loading and capacity planning to realize optimal service level delivery against minimal cost for Home loan Assessment vertical. Build Engagement, culture and diversity in the team. People management and development plans for the Staff

7. Monitor customer driven service level metrics and ensure service levels are accurately measured and reported.Ensure all applications are assessed in an accurate and timely manner. Ensure quality in line with service levels to maximize Stakeholder satisfaction.

8. Monitor Output Per Paid Hour metric and ensure the required targets are met on a monthly basis for Mobile Lending Team. Ensure ATOM targets of the Team are met on a monthly basis. Identify and recommend change initiatives across home loans Assessment to decrease cost per transaction.

9. Align process delivery objectives with strategy for Home loans and Credit Assessment. Continuous improvement of processes and monitoring of operational effectiveness. Ensure all processes are documented and fully compliant. Ensure the process is audit and risk compliant

SBO (Commercial Lending) Credit Assessment: I have been worked with SBO Credit assessment from 1st Oct 2007 to 31st January 2008 as a Credit Assessment Officer. Working on Pre-Assessment, Achieved P-CAD (Pre Credit Approval Discretion).

ESANDA Settlements: I have been worked with Esanda Settlements (Car Loan) team from 22nd January 2007 to 30th Sep 2007 as an Analyst. Dealing with Dealer/Broker/Direct team. Preparing online payments for dealer/broker origination fee & repayment of third party debt. Settle deals either manually or automated. Debiting form applicant’s account & crediting to introducer or suppliers account.

Work Experience in Infosys PVT. Limited:General star: Insurance process. Working from 10th October 2005 to 27th December 2006 as a Finance Officer. Working on Excess, Indexing, Endorsement.

PROJECTS/TASKS

Kinetic Engineering Ltd. Marketing specialization.(BBM)

Bangalore.

Internship report: Nilgri’s Merchandise Bakery.Finance and Marketing Specialization. (MBA) Bangalore.

Kinetic Engineering Ltd.Finance and Marketing Specialization. (MBA)Bangalore.

TRAITS & HOBBIES

Confident and Optimist, Committed and Sincere. Possess ability to handle high levels of stress Traveling. Listening to Music Playing Cricket

ACHIEVEMENTS

Received zero Defects Award for continuously maintaining 100% accuracy. Received CEO Recognition award & Best Production Lead award in 2014 -2015

Knowledge sharing regarding process update. Giving KIZAN Ideas for process Improvements & Productivity Improvements.

Achieved CAD (Customer Approval Discretion) CAD B+, Limit $2.5 Million(Approved by Australian Prudential Regulatory Act-APRA).

DECLARATION

I hereby declare that the above-mentioned information is true to the best of my knowledge.

Date: Place: BANGALORE

(DEBASISH DAS)