Tanay Das Gupta

BRAC Bank PLC is the only Bloomberg listed Bank of Bangladesh where my duties and responsibilities were included, but were not limited to the following:

Relationship Management: Managed corporate relationships with a sanctioned limit of BDT 16,000 million and outstanding as of the letter date of BDT 11,800 million. Handled and nurtured relationships with prominent corporate clients such as BSRM Group (another bloomberg listed Steel maker of Bangaldesh) , GPH Group, BSA Group, Confidence Group, and Pacific Jeans Group.

Client Service & Advisory: Acted as a Relationship Manager offering tailored solutions and top-tier service to meet client needs.

Business Development: Contributed to portfolio growth by deepening existing client relationships and acquiring new high-quality customers.

Credit Structuring: Designed credit solutions aligned with prudent banking practices while balancing risk and return.

Risk & Asset Quality: Ensured sound asset quality using practical risk management tools and maintained compliance with regulatory parameters.

Portfolio Management: Maximized returns from assigned portfolios while contributing to overall team performance.

Credit Review & Approval: Oversaw credit proposal preparation with in depth financial analysis and timely approval.

Compliance Assurance: Ensured strict adherence to all financial and non-financial covenants in line with internal and regulatory requirements.

Client Engagement:Provided proactive support to meet clients’ business performance needs, ensuring timely disbursement and portfolio monitoring with NIL overdue and PAR.

Managed total credit exposure of 1,500 million, securing 200 million and awaiting disbursement of 2,500 million.

Conducted financial analysis to evaluate client financial health.

• Appraised corporate credit proposals for procurement.
• Facilitated client visits and ensured compliance with regulatory reporting.
• Engaged with corporate clients including Seacom Group and Rancon Group.
• Prepared regulatory statements to meet compliance requirements.

• Drove sales initiatives that resulted in increased market share.
• Delivered tailored solutions creating positive client experiences.
• Built lasting relationships with key stakeholders through consistent engagement activities.
• Implemented innovative ideas for better relationship management practices.
• Identified potential risks, ensured proper risk management measures were in place.
• Managed complex client portfolios to maintain profitable relations.
• Increased client retention, fostered trust and loyalty by resolving complaints efficiently.

Handling Total Credit Exposure of 7500 Milion as a team member.

Dealt with proposal of large groups [i.e. KDS, T.K., SeaCom, Saad Musa]
Preparation of Corporate, SME Credit ( Fresh & Renewal) Proposal.
Preparation of Agriculture Credit & Recovery Credit ( Fresh & Renewal) Proposal.
Preparation of Bank Guarantee , EM, Work order & SOD ( Fresh & Renewal) Proposal.
Obtaining apporval, documention and disbursement.
Business visit and preparation of visit report.
Project appraisal & credit analysis. (Preparation of CRG & ICRR.)
Preparation of monthly, quarterly, half yearly and yearly statement

Preparation of CL report.
Regulatory reporting (CIB collaterlal,ISS, CIB reporting).
Preparation of Fact Sheet.
Audit Compliance (In House and External)
General Banking:- Account opening and related documentation, accounts department related
activities(i.e. asset maintenance, expenditure approval, closing activities, branch maintenance),
issuance of security instruments.

Prepared reports detailing the degree of risk involved in extending credit or lending money, aided decision making processes.