1. Avik Niyogi
Mob No: (+91)7205134969
E-mail: niyogiavik@gmail.com
CAREER OBJECTIVE
To utilize my managerial skills, financial knowledge and leadership qualities in the industry that
offers complementary growth of individual and organization while being resourceful, innovative
and flexible
PROFFESSIONAL EXPERIENCE
Odisha Gramya Bank
(A Govt. of India Undertaking)
Branch Manager
October 2015 – Present: Cuttack Area, Odisha, India
 Overall Branch Administration
 Credit Appraisal, monitoring and recovery
Kaveri Grameena Bank
(A Govt. of India Undertaking)
Manager – Advances Dept. Head office Credit Committee
March 2015 – October 2015: Mysuru, Karnataka, India
 Project appraisal in light of Bank’s Loan Policy
 Assessment of Retail Loan like Housing Loan, Personal Loan Vehicle Loan, SME Loan
etc.
 Process customers application and prepare a financial and social data for submission to
Credit committee
 Identifying, mitigating and monitoring risks in credit function
 Analyzing portfolio performance on monthly basis and submitting recommendations to
General Mangers and Chairman
 Compiling summary of key information and date on each loan to be submitted to Zonal
and Central Office
 Following up all loans approved by Head Office with occasional site inspection
 To interview applicants and to explain the lending procedures and requirements of the
Bank to the potential customers
 Assessing customer's applications, visiting the business premises as well as the residence
to appraise the financial situation of the business/project
 Advising customers as to the documents and financial reports required by the Bank to
process their loan applications
 To follow up all loans outstanding as well as recovery
 Implementation of Financial Inclusion in village allotted by State Level Bankers
Committee (SLBC)
 Organizing Monthly Priority Sector Credit Camp under our region
 Processing of various subsidy claims under NABARD, CGTMSE etc.
 Submission of various Priority Sectors statements to Zonal / Central Office / NABARD /
SLBC / RBI
 Organizing Financial Credit Literacy Camp

2. Deloitte (USI)
Consultant (Project Analyst) – Global Employer Services
August 2013-March 2015: Hyderabad
Profile:
 Analyzed and visualized ROI for new project
 Budgeting as well as routing of business prototype to go live
 Conducted operation investigation, gathered requirements, designed and implemented
business processes as part of global standard
 Preparing Financial prototype for the Individual project of Consulting (Tax)
 Researched to build overseas market expansion strategy (specially for US market)
 Reporting of Periodical roadmaps
 Communicating with US, UK, Canada and Singapore clients to fix the standardized quality
benchmark for the project
 Researching on Beneficial tax options in the Tax guide of different countries while migrating
the project
 Planning for budget allocation according to the annual objectives
 Helping the stream lead to set the strategies of “equalization” services
 Communicating with other country counterpart to identify the credit available for dual
country taxation
 Managing expenses to be within approved budgets. Functional expert for developing a Excel
based database of all risk information. Successfully migrated of the entire database to a new
structure in Deloitte owned Software
BlackRock
Analyst – Operational Risk – Prod Ops June 2011 – April 2013
Gurgaon, India
Profile:
 Documenting Key Operational Risk Indicators (KORCs), Other Risk Approval Processes
(ORAPs), Evaluating Risk Self Assessment (RSA) Reports
 Monitoring and reporting values of Blackrock managed CMBS and CMO ( structured
products) using Financial models
 Preparing the trend report of and monitoring the unsettled assets movements of collateral
trade for the funds managed by Blackrock EMEA
 Pre Audit Quality Reviews, resulting in satisfactory audit ratings
 Route trade details/ portfolio allocations & receive written or electronic trade confirmation
from counterparties for minimizing operational expense
 Resolve trade fails and preparation of report of claimable events
 Communicating Factor coupon update for US region Fixed Income trades of Blackrock
 Identification of unmatched standard settlement instructions for US region trades and follow
up the subsequent brokers and custodians for instruction matching
 Checking up the standard settlement instruction of risk country trades
 Monitoring of Non deliverable forward transactions (OTC trades) which leads to Fails
Confederation of Indian Industry
Researcher – Marketing Research (Summer Trainee)
April – June 2010: Kolkata, India
 Conducted Primary Research on Corporate and Educational program in mid size companies
 Prepared Data tables, analyzed variables with T test and Chi-square Techniques
 Reported primary data with secondary data back up

3. Professional Qualifications
 CAIIB( International Banking)(2015-16) from Indian Institute of Banking and Finance
 PGDM (Marketing and Finance)(2009-11) from Integrated Academy ofManagement And
Technology (Approved byAICTE, Ministry of HRD), Ghaziabad with 9.2 GPA
 BBA (Marketing)(2006-09) from The University Of Burdwan ,West Bengal with 73% in
aggregate
Academic Qualifications
 Higher secondary from Hooghly Collegiate School (WBCHSE) scoring 55.3%in aggregate in
2006
 Passed Secondary from Hooghly Collegiate School(WBBSE) scoring 77.25% in aggregate in
2003
IT Profficiency
Application : Advanced Excel, SPSS, TORA, Aladdin(Global Trading Platform) , CCH
Axcess(US Tax platform),Microsoft office(Power point, Axcess), DTCC , Bloomberg data
provider, Thomson Reuters Data management systems.
Certifications
 Certification in Office basics from BBC in 2003
 NCFM- CapitalMarket, module in 2011
 NSDL- Depository operation Certification in 2011
Key Skills
 Project evaluation, Onboard formalities and budgeting
 Onboard Negotiation
 Statistical Risk Data analysis
Linguistic Proficiency
 English
 Hindi
 Bengali
Achievements
 Received Advanced proficiency in Communication excellence in Deloitte
 Received Champion award- Go live in Blackrock
 2nd rank holder of PGDM 09-11 Batch
 Held 8th position in The University of Burdwan in BBA 2009
Avocation
 Singing and playing mouth organ
 Playing cricket, table tennis
Personal Detail
Date of Birth: December 22, 1987
Present address - 3thFloor, 109 Mahanadi Vihar, Cuttack, Odisha 753004
Permanent Address - B2, Rupayan Co Operative Housing Society LTD., Satyapirtala,
Chinsurah, Hooghly, West Bengal 712101.