1. 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 INSTITUTE
1998 – 2000
Completed in the
month of July’2000
MBA (Finance)
(Passed with 1st Class Marks)
IMM (Institute of modern management),Calcutta
Approved by Visva Bharati University, Shantiniketan
2000
Completed 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 India
1991-1994 B.Com (Honours) South City College, Calcutta University
1991 Higher Secondary Examination South City College , Kolkata
1989 Madhyamik Examination St. Xaviers School , Haldia
EMPLOYMENT HISTORY
Organization From To Designation
Aeon Credit Service India Pvt Ltd March 2015 Till date Regional Manager – West
Hashtags infotech Pvt Ltd Sep 2014 March 2015 Self employed
Capital First Ltd , Kolkata May 2008 August 2014 Area Sales Manager
Citi Financial , Kolkata July 2005 May 2008 Manager , Sales Finance
Bajaj Auto Finance Ltd., Kolkata July 2002 July 2005 Business Development Officer
CHC 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
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2. 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 SUMMARY
Currently 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.
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3. 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.
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4.  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.
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5.  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
Description
Operating Systems Windows-95/98, Windows-NT (4.0), DOS,Windows 2000, LINUX
Languages Java( Applet,Swing)
including Advance Java (SERVLET, RMI, JAVABEANS,JSP), EJB , XML, ASP, C++
GUI FrontPage, HTML, DHTML, Java Script, VBScript,Visual Basic 6.0
Backend Oracle 8i , SQLServer 7.0,MS-Access
SAP 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.
Passport Number: F7312083
Salary 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.
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6. THANKS AND REGARDS
(SUBHAJIT RANJAN DEB)
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7. THANKS AND REGARDS
(SUBHAJIT RANJAN DEB)
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