Summary
Overview
Work History
Education
Skills
Certification
Languages
Timeline
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Chinmoy Goswami

Southampton

Summary

Dynamic and professional corporate finance and consultancy expert with over 15 years of diverse experience in the banking industry. Specializes in retail, SME loan processing, and branch operations while maintaining effective control on regulatory and compliance requirements to achieve impactful results. Proven manager with strategic planning, operational efficiency, and leadership skills. Adept at team collaboration, driving results, and adapting to changing needs. Recognized for reliability and fostering a high-performance work environment.

Overview

15
15
years of professional experience
4
4
Certification

Work History

Chief Manager (Sanction), Loan Advancing Unit

State Bank of India
05.2021 - 09.2024
  • Company Overview: India´s largest bank with market capitalization of INR 7.15 trillion and ranked 43rd globally according to S&P Global Market Intelligence data.
  • Oversaw credit growth and portfolio performance for 48 branches under the jurisdiction of the loan advancing unit.
  • Strategized and monitored the sanctioning of advances, particularly in the Retail and SME segment, aligning with organizational lending goals leading to 25% growth in volumes YOY and achieving unit´s highest-ever growth in advances during FY 2022-2023, both monthly and annually with handling monthly figures of INR 800 million.
  • Coordinated inter-branch collaboration to ensure timely loan disbursal and adherence to risk mitigation protocols, thus improving overall operational efficiency and brought town the TAT to under 5 days against permissible TAT of 7 days.
  • Designed credit growth frameworks and portfolio tracking systems, aligned with regulatory norms and internal KPIs which resulted in improved credit rating from BA to AA for year 2023-24 and attained the best internal audit rating in five years due to robust compliance and credit hygiene practices.
  • Mentored branch-level credit officers and facilitated upskilling programs in loan assessment and documentation quality.


Manager Maintenance - State Loan Processing Unit

State Bank of India
06.2020 - 05.2021
  • Led team responsible for documentation integrity, maintenance, and introduced process optimisation initiatives for over 35,000 loan documents / property files at the largest loan processing unit in the state of Rajasthan, India.
  • Developed streamlined maintenance protocols to ensure seamless access and compliance with audit standards and received highest audit ratings owing to superior document control and risk governance.
  • Reduced documentation cycle time by streamlining internal processes, enhancing turnaround efficiency. Acted as a compliance liaison, conducting internal checks and coordinating with zonal audit teams. Facilitated workshops to improve team understanding of RBI and internal compliance norms.
  • Monitored document handling life cycle from origination to archiving, ensuring transparency and traceability.

Branch Head - Asset Management

State Bank of India
07.2009 - 06.2020
  • Managed overall branch operations, delivering consistent business growth across deposits, advances, and third-party product verticals.
  • Delivered 130% growth in deposits and 81% in advances (FY 2018-2020), marking one of the best performances in the region. Delivered exceptional business development results focused on deposits, retail lending, and cross-selling initiatives with being conferred MDRT for two consecutive years in insurance cross-selling with a growth of 175% YOY in cross-selling budget achievement.
  • Awarded Controller's Gems in 2020 and 2021 for outstanding branch-level business outcomes (performance pertains to 2018-2020). Awarded Chief General Manager award for best Salesperson in mutual fund for 2018-19 with 200% growth in NOPs for SIPs and 75% growth in MF business.
  • Implemented a branch-wide customer engagement program leading to a visible decline in service complaints over two years with zero complaint for seven straight quarters. Championed customer engagement strategies and created frameworks for service excellence.
  • Ensured regulatory compliance, risk assessment, and operational discipline across all functions to ensure targeted asset management strategies resulting in 90% reduction in Non-Performing Assets of branch to 0.1% of loan portfolio of the branch.

Education

MBA - Business Administration, International Banking and Entrepreneurship

University of Southampton
Southampton, United Kingdom
09.2025

M.Sc. - Biotechnology

University of Kota
08.2009

Skills

  • Operational risk analysis

  • Strategic financial services management

  • Customer experience enhancement

  • Market Analysis Techniques

  • Process optimization

  • Effective stakeholder communication methods

  • Performance Management Systems

  • Regulatory compliance expertise

  • Cross-functional team management

  • Clear interpersonal communication

  • Compliance management

  • Sales and marketing strategy

Certification

  • Certificate in Prevention of Cyber Crimes & Fraud Management, IIBF, 2016
  • Certified Associate of the Indian Institute of Bankers, International Banking, 2014
  • Junior Associate of the Indian Institute of Bankers, 2012
  • Certification in Anti-Money Laundering and KYC, 2010

Languages

English
Bengali
Hindi

Timeline

Chief Manager (Sanction), Loan Advancing Unit

State Bank of India
05.2021 - 09.2024

Manager Maintenance - State Loan Processing Unit

State Bank of India
06.2020 - 05.2021

Branch Head - Asset Management

State Bank of India
07.2009 - 06.2020

M.Sc. - Biotechnology

University of Kota

MBA - Business Administration, International Banking and Entrepreneurship

University of Southampton

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