Soumitra Chatterjee

Lead regional fraud-risk governance and investigation operations for Home Loans,
Personal Loans, Loan Against Property (LAP), and SME lending portfolios across East India
and Uttar Pradesh.

Key Responsibilities
• Architect and implement fraud-control frameworks for retail asset portfolios to
strengthen underwriting governance and reduce portfolio risk.
• Lead complex fraud investigations involving suspicious financial activities, identity
manipulation, documentation discrepancies, and operational irregularities.
• Conduct detailed pre-disbursement and post-disbursement risk assessments
including banking analysis, bureau assessment, income validation, and negative
area profiling.
• Manage large-scale operational risk reviews, process audits, and sourcing-quality
evaluations across branches and business channels.
• Oversee outsourced verification vendors, sampler teams, collection-risk
processes, and operational governance activities.
• Collaborate with Credit, Operations, Legal, Collections, Sales, Technical, and IT
teams to improve fraud prevention and portfolio quality.
• Participate in User Acceptance Testing (UAT), SOP drafting, process enhancement
initiatives, and operational transformation projects.
• Conduct Early Warning Signal (EWS) investigations, wilful default reviews, NPA
investigations, and collection-risk analysis.
• Deliver management reporting, fraud trend analysis, portfolio-risk insights, and
Root Cause Analysis (RCA) reports for senior leadership.

Major
•
• Achieved
• Successfully recovery
• Led cross-functional that improved fraud detection capability
operational governance efficiency.

Managed fraud-risk governance and financial crime prevention activities across retail
asset and liability products including Home Loans, Auto Loans, Personal Loans, Credit
Cards, Savings Accounts, Current Accounts, and Trading Accounts.

Key Responsibilities
• Conducted due diligence and risk assessments across multiple retail banking and
lending products.
• Investigated high-risk cases identified through internal and external dedupe
systems and fraud-detection triggers.
• Performed Root Cause Analysis (RCA) to identify process gaps, control failures, and
operational vulnerabilities.
• Developed fraud trend analysis reports and recommended proactive fraud
detection mechanisms.
• Managed vendor-risk governance, operational review activities, and sampler-team
supervision across processing centers.
• Executed hindsighting and seeding activities to strengthen fraud-control
effectiveness.
• Coordinated with law-enforcement authorities and internal stakeholders during
investigation activities.
• Supported operational quality enhancement and turnaround-time (TAT)
improvement projects.

Managed equity and currency portfolio risk across Kolkata and Bihar operations while
ensuring regulatory compliance and operational governance.

Key
• Managed equity and currency risk exposure for branches and business-partner
networks.
• Conducted compliance reviews and operational audits for trading activities.
• Managed customer margin shortfalls, auction-risk monitoring, and settlement-risk
activities.
• Guided business partners on operational governance, compliance practices, and
revenue enhancement.
• Conducted associate training and risk-awareness sessions.
• Reviewed offline transactions and monitored pay-in/pay-out exceptions.

• Managed equity-risk monitoring for multiple branches.
• Supported margin recovery, MIS reporting, and settlement-risk operations.
• Coordinated pay-in/pay-out processing and exchange-circular communication.

• Managed trading-support operations and settlement monitoring.
• Oversaw stock pay-in/pay-out processes and operational MIS reporting.
• Supported branch-level trading operations and dealer coordination.