Debojyoti Dey Bain Iimb Epgp 2

Debojyoti Dey Executive Post Graduate Programme (EPGP) Email: [email protected]

Mobile: +91 96864 44500

Career Summary Over 8 years of experience at the apex level of Indian banking industry at National Bank for Agriculture and Rural Development (NABARD); in diverse capacities and domains such as supervision and capacity building of financial institutions, consultancy, project finance, microfinance and refinance.

Key Achievements • Provided consultancy to Bank Indonesia (central bank of Indonesia) in banking supervision. • Drove organization’s collaboration with the Government of UP in financing infrastructure • • • •

projects. Mentored banking personnel in improving health of their institutions through financial, supervisory and organisational interventions. Demonstrated expertise in finance domain of project management – pre-sanction technoeconomic appraisal of small and large infrastructure projects. Successfully steered partnerships with bankers in adoption of Potential-linked Credit Plans and in embracing the Self-Help Group (SHG) mode of financing. Effectively worked in integrating microfinance to mainstream banking, driving SHG-bank linkage and capacity building of stakeholders.

Professional Experience NABARD, Head Office, Mumbai 2009

2007 to

Supervision of Rural Financial Institutions (RFIs) Strategy Consulting • Formulated policies, in collaboration with the Reserve Bank of India (RBI), in critical areas in the health of financial institutions, specifically around compliance functions, financial surveillance, prevention of frauds, investment management, etc. ─ Provided informed inputs on these areas to RBI for the central bank’s macro policy decisions. • Devised a customized Early Warning System for Bank Indonesia (central bank of Indonesia) to enable it supervise banks, as part of an international consultancy assignment. ─ Received appreciation and acknowledgement of the client and the German sponsors of the assignment. • Continuously monitored RFIs under an Off-site Surveillance System (OSS) to ensure their financial health. ─ Analysed reports generated, issued Early Warning Signals to the banks and mentored them in taking corrective measures under a Trigger Point Policy. ─ Successfully elicited cooperation from the RBI in improvising the OSS to reflect the increasing complexities of RFIs’ operations. Implementation • Under the central banking function of NABARD, handled on-site inspection and portfolio appraisal of RFIs, with particular focus on stress–testing their risk absorption capacities. • Effectively processed market intelligence in detecting, analysing and warning banks to preempt potential irregularities in their securities transaction. • Acquired a deep understanding of the dynamics of rural markets, especially rural financial markets, by way of extensive travels to rural areas and gaining first hand experience of rural market behaviour. 1

Leadership • Provided financial and systems expertise, guiding RFIs in areas as risk management, assetliability management, strengthening of organizational governance and internal control systems. • Initiated adoption of technology for risk-based supervision and real-time determination of the financial health of banks for issue of timely warning signals. • Counselled weak banks on strategising implementable action plans and developmental programs for them to attain viability through corrective actions. NABARD, Uttar Pradesh (UP) Regional Office, Lucknow

2001 to 2007

Project Management • Conducted detailed physical and financial appraisal of infrastructure projects with outlays upto Rs.30 crore. ─ Prominent were those on warehouses and cold storages, for each of which five consultancy assignments were completed on their feasibility and techno-economic viability. • Appraised and reviewed long term credit requirements of financial institutions (FIs), prior to disbursing refinance of more than Rs 2,100 crore to over 80 banks in the UP region. Consultancy Projects • Advised Government of UP for charting a roadmap for promotion of food processing industries in the state. ─ Reputed to be the largest knowledge sharing project in terms of scope and revenue generated for NABARD, Lucknow. Leadership • Effectively boosted the promotion of micro-finance, Self Help Groups (SHG) and their linkage to bank credit, resulting in increased stimulation to this mode of finance by the FIs, through capacity building of stakeholders and delivery of sensitisation workshops. • Actively involved in policy making and creating consensus with partner agencies on the mechanism for regulation of microfinance institutions. ─ Contributed to the development of the Microfinance Bill of the Government of India, awaiting imminent parliamentary approval. • Initiated and spearheaded a team for credit planning, documenting detailed sector-wise Potential Linked Credit Plans (PLPs) at the district level for each of the 70 districts of Uttar Pradesh within a short period of five months. ─ Received appreciation from the Deputy Chairman of Planning Commission, Govt of India. Institute for Human Development, New Delhi 2000 Worked as Research Associate for a research scholar on a project on ‘Rural Labour Migration’

Education Executive Post Graduate Program in Management (1 year full time MBA)

2009 - 2010

Indian Institute of Management Bangalore, India M.A. Economics

1996 –

1998 Delhi School of Economics B.A. (Honours) Economics Kirori Mal College, University of Delhi

1993 – 1996

Certifications • •

Certified Associate of the Indian Institute of Banking and Finance (IIBF). Awarded Merit Certificate for project on State Level Credit Planning for banks in Uttar Pradesh

Résumé Debojyoti Dey

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Other Activities •

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Published paper on “Diagnostic study of microfinance in Allahabad district of UP – problems and prospects” (February, 2004). Worked as an investigator under the Institute of Economic Growth, New Delhi, for evaluating costs and benefits of a public project in Delhi. (1996)

Personal Interests • • •

Closely involved in providing reading and writing support in a school for the visually challenged. Actively associated with a social service organisation (JYOTI) in north east India. Keen interest in music. Completed a five-year course in Hindustani classical music.

Résumé Debojyoti Dey

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