SAIF ARSHAD

PROFESSIONAL SYNOPSIS
E-mail: saif_arshad@rediffmail.com
Mobile: +91 - 9748529732 Phone: +91 – 33 - 22299220

 Chartered Accountant having over 6 years of experience in Loan Processing, Credit Administration, Retail
Operations & Team Management.

 Presently working as Deputy Branch Manager – Retails Liabilities Group with ICICI Bank Ltd., Kolkata, India.

 Proficient in heading routine banking operations involving Credit Administration, CRM, Operations etc.
 Deft in handling loan proposals, conducting risk analysis & managing the disbursal of the same.
 Adept in handling & managing retail banking functions, business development & client servicing to facilitate
product improvement & contribute towards the growth of an organization.

 A keen analyst with excellent relationship management skills and abilities in liaising with Banks, Financial
Institutions and various regulatory authorities.

AREAS OF EXPOSURE

Credit Administration
 Managing various credit operations including appraising proposals, conducting risk analysis & scrutinizing
relevant documents before sanctioning loans.
 Approving proposals & sanctioning credits after appraising solvency status & verifying documents as well as
post sanction follow-up and disbursal of loan.
 Handling post loan disbursement activities including collection and management of Registration Certificates.
Relationship Management
 Identifying prospective business, establishing strategic partnership and alliances, generating business from
the existing accounts.
 Ensuring that highest service standards are maintained for servicing of clients and maintaining minimum
Turn around Time.
 Understanding the business requirements through regular interactions with key management personnel &
providing customized solutions from a diversified product basket.
 Managing customer centric operations & ensuring customer satisfaction by achieving delivery & service
quality norms.
Team Management
 Leading, training & monitoring the performance of team members to ensure efficiency in operations and
meeting of individual & group targets.
 Creating and sustaining a dynamic environment that fosters development opportunities and motivates high
performance amongst team members.

CAREER HIGHLIGHTS

April’09 – Till Date Deputy Branch Manager – Retail Liabilities Group

ICICI Bank Ltd., Kolkata, India

THE ACOUNTABILITIES:

⇒ Deputy Branch Manager at Retail Banking Branch, Kolkata, India.

⇒ Heading Front end Operations, Sales and Customer Service, Asset Financing in the Retail Banking Branch,
Kolkata, India.

⇒ Leading a team of officers handling banking operations, customer service and sales and asset financing.

⇒ Responsible for statutory and Internal Audit and compliance of the Retail Banking Branch.
⇒ Authorised signatory of the bank for cheques.
Sept’08 – April’09 Regional Credit Manager – Small Enterprises Group
ICICI Bank Ltd., Kolkata, India

THE ACOUNTABILITIES:

⇒ Heading Credit appraisal and disbursements of working capital loans in the Small Enterprises Group-Secured
Business Loans Division.

⇒ Appraisal of working capital loans like cash credit, bank overdraft, bank guarantees, terms loans etc.

⇒ Compliance of the Credit Policy of the Small Enterprises Group-Secured Business Loans Division.

⇒ Leading a team of Credit Processing Personnel handling loan appraisal and disbursements.
⇒ Portfolio control and management of the working capital loan portfolio.

Nov’05 – August’08 Area Credit Manager – Retail Asset Product Group

ICICI Bank Ltd., Kolkata, India

THE ACOUNTABILITIES:

⇒ Heading Credit sanction and disbursements of vehicle loans in the Retail Asset Product Group-Vehicle Loans
Division.

⇒ Compliance of the Credit Policy of the Retail Asset Product Group-Vehicle Loans Division.

⇒ Delinquency analysis, Portfolio control and management of Registration Certificates.

⇒ Heading the MIS requirements of the Group in Kolkata.

⇒ Leading a team of Credit Processing Personnel handling loan sanctions and disbursements.
⇒ Authorised signatory of the bank for cheques.
THE ATTAINMENTS:

⇒ Various Cost control measures like disallowing inappropriate bills relating to field investigation by agencies,
rationalising telephone expenses, courier charges ,paper cost, other stationery items, negotiating with
vendors for reduction in collection charges of Registration certification cost, etc

⇒ Formulated Credit Policy test questionnaire made for conducting test for sales and credit executives and sales
and credit managers which was later rolled out at zonal level.

⇒ Received recognition in April 2008 for achieving penetration in Credit Assure business in Kolkata & was rated
amongst top 5 Credit Managers in India.
Oct’04 – Nov’05 Finance & Accounts Manager
Tata-AIG Life Insurance Company Ltd., Kolkata, India
THE ACOUNTABILITIES:

⇒ Handling Treasury & Insurance Premium activities of all the branches under East Zone covering states of
West Bengal, Orissa, Bihar, Jharkhand and Assam.
⇒ Responsible for treasury control and compliance to Standard Operating Procedures.
⇒ Budgeting and budget analysis of general operating expenses for the zone.
⇒ Preparing MIS reports for the zone & handling the settlement of Employees’ claims.
⇒ Accounting deposits of Agents License Fees and premiums deposits with Periodic bank reconciliation of the
Agents License Fees.

⇒ Responsible for custody and reconciliation of Insurance Premium Temporary Receipts and System Temporary
Receipts and assignment of series to the branches.
THE ATTAINMENTS:
⇒ Streamlined the finance functions in the East Zone
⇒ Various Cost control measures like saving printer paper by using both sides printing; using economy mode
option in print which will use lesser ink, thus saving printer cartridges at zonal office and branches.
Dec’03 – Oct’04 Finance & Commercial Manager
Voltas Ltd., Bangalore, India
THE ACOUNTABILITIES:
⇒ Directly reporting to the Chief Financial Officer of the Division and functionally reporting to the Divisional
Business Manager at the Branch.

⇒ Spearheading Finance & Commercial function of the Cooling Appliances Business Division of Bangalore Branch
comprising Air-conditioner, Water cooler & Refrigerator business of Karnataka.
⇒ Managing credit control and compliance to Credit Policy of the Division,

⇒ Debtors’ management, Cash management and Inventory management .

⇒ Conducting ISO 9001:2000 Quality Internal Audit of the Division and other Divisions at various branches.
⇒ Handling statutory compliance and regulatory requirements covering Statutory Audit, Tax Audit, Sales Tax,
and Service Tax & MIS requirements of the Division.
⇒ Responsible for handling various commission claims of the dealers and their reconciliation, vendor payment
disbursal management and settlement of Employees’ claims.
THE ATTAINMENTS:

⇒ Certified Quality Management Systems Internal Auditor responsible for getting ISO 9001:2000 certifications
for Finance & Commercial function.

⇒ Trained in SAP implementation and was instrumental in getting SAP successfully implemented at the branch.
ACADEMIC CREDENTIALS
Associate Chartered Accountant Institute of Chartered Accountants of India 2003
M. Com. Annamalai University, Kolkata, India 2003
B. Com (Honours) St. Xavier’s College, Kolkata, India 2001
PERSONAL DOSSIER

Date of Birth : 12th February, 1979

Address : 113 A Ripon Street, 1st Floor, Flat-4, Kolkata – 700016, India
Linguistic Abilities : English, Hindi, Bengali, Urdu