Monalisa Mandal

Monalisa Mandal

... ...
30 years

A seasoned banking professional with 6+ years of experience in State Bank of India and having expertise in Retail Branch banking, MSME Lending, Real Estate Credit, Loan Recovery Management, and Customer Relationship Management.

  • Banking & Financial Services

... Functional Expertise

  • Finance

... Committee

  • Professional Mentorship Programme Committee

... Achievements

  • Secured a YoY growth of ~ 60% in the Real Estate Credit portfolio of a large metro branch.
  • Honourable Mention at the International Science Quiz at Quanta 2007 organised by City Montessori School, Lucknow.

... Certifications

  • Junior Associate of Indian Institute of Bankers (JAIIB), 2015.
  • Certified Associate of Indian Institute of Bankers (CAIIB), 2015.
  • Certificate in Commercial Credit (CICC) by Moody’s, 2018.

Work Experience | 77 months

... Career Highlights

Deputy Manager - State Bank of India
Credit & Risk Management

  • 3 years of experience in Corporate Credit; managed clients across multiple sectors like trading, services, manufacturing, and real estate construction.
  • Exposure in credit assessment and appraisal of fund based and non fund based facilities. 
  • Managed a portfolio of 34 MSME customers with an asset book size of Rs. 420 million and 13 Real Estate customers with an asset book size of Rs. 1700 million during 2 separate assignments.
  • Performed extensive evaluation of new & existing clients to assess the creditworthiness and also prepared detailed appraisals to aid lending decisions.
  • Prevented NPA slippages to the tune of Rs 15 million by restructuring credit facilities of 2 firms.
  • Generated new business of approx Rs. 1.5 million under Bancassurance business of the branch.

General Banking Operation

  • Seamless migration of retail customers of the branch to the digital platforms of the Bank to enhance customer convenience.
  • Expertise in Customer Due Diligence, Payment Systems, Internal Audits & Statutory Compliances, Digital Products, Liability Products, and alternate delivery channels.