Biswajit Deka

Promoted to Senior Manager after scaling the MSME lending portfolio from ₹10 Cr to ₹120 Cr+ in three years — one of the strongest growth trajectories in the Northeast region. Work directly with MSME clients across Meghalaya and Northeast India on working capital, CC/OD, term loans, and project finance. Specialise in structuring credit proposals for businesses where tribal land ownership, cash-heavy operations, and regional market dynamics create unique lending challenges. Manage credit evaluation, client relationships, and portfolio quality across multiple sectors.

Built and scaled MSME lending portfolio from ₹10 Cr to ₹120 Cr+ over 2+ years. Grew average utilisation from ₹6-7 Cr to ₹65-70 Cr through strategic client acquisition and structured advisory. Reviewed and processed hundreds of MSME loan files across working capital, term loans, and CGTMSE-backed facilities. Developed deep understanding of why good businesses get rejected — and how to fix their applications before submission. Built relationships with SME promoters and business owners across Northeast India's underserved lending market.

• Led branch sales operations and managed a team responsible for client acquisition and product sales • Increased branch revenue by 35% through targeted sales strategies • Built strong relationships with SME and retail clients to drive business growth • Received recognition for outstanding performance and contribution to branch targets

Managed relationships with business banking customers and supported SME lending activities • Assisted in sourcing and processing working capital loan proposals • Conducted financial analysis and documentation for credit cases • Worked closely with business owners to understand funding requirements

Controlling all transaction processes and delivery of services; providing services to existing customers and managing all aspects of customer relationships Managing day-to-day operational risk management activities such as risk and controls assessments, incident capture and analysis, and scenario analysis and planning Rendering wealth management, investment & insurance services (Life, General Insurance, Mutual Funds and Trading Accounts) Identifying opportunities by cementing relationships with existing clients to cross-sell Third Party Products (TPP) Supervising cash management; receiving & paying required cash as per laid guidelines; issuing Pay Order, Instruments & Demand Draft; updating EOD Cash Position Register Evaluating, verifying & accepting the genuine loan requests of the clients and forwarding the same to respective department for further processing Performing a thorough credit analysis of new customers including trade references, banking information & internet research for products like CASA, Credit Cards, and Personal & other Loan Collaborating with the other teams like QA & Training through mails, calls & meetings for regular updates on process performance and parameters Developing need based training modules for developing multi skilled workforce for cross utilization within sub processes to enhance employee performance Conducting internal process audits & process reviews for ensuring strict adherence to the process parameters /systems as per defined guidelines Identifying & leading Business Process Excellence Projects and providing strategic direction and thought leadership Conserved agency resources and minimized waste by accurately logging company property, supplies and equipment to avoid duplicative ordering.