Abhishek Datta
Noida
Summary
Credit and risk professional with extensive experience at Axis Bank Limited, Tata Motor Finance, and Magma Fin Corp. specializing in credit analysis and team leadership. Proven ability to manage compliance and improve operational efficiency, utilizing strong problem-solving skills to enhance loan processing and portfolio management. Committed to delivering innovative financial solutions that meet client needs.
Overview
15
15
years of professional experience
Work History
Area Credit Manager
Axis Bank Limited
Delhi NCR
12.2018 - Current
- Conducted credit analysis to assess borrower worthiness and processed loan proposals.
- Verified qualifications of prospective borrowers through inspections of individuals and firms.
- Compiled and submitted comprehensive credit worthiness reports following thorough due diligence.
- Addressed inquiries from vetting authority concerning credit assessments and recommendations.
- Ensured compliance with data regulations for portfolio management and report submissions.
- Managed a team of 08 credit underwriters and executives to enhance operational efficiency.
Area Credit Manager
Tata Motor Finance Limited
UP East
12.2015 - 12.2018
- Core underwriting of commercial vehicle loan proposals.
- Handling a large geography for the state of Uttar Pradesh, which includes 12 branches spread across the state.
- Managing a monthly business volume of 100 crore.
Credit Analyst (Assistant Manager)
Magma FinCorp Ltd
05.2012 - 12.2015
- Auto Loans, Working Capital (Trade Advance)& Small Commercial Vehicles with approval authority of INR 10 Lakhs.
Intern
National Bank for Agriculture and Rural Development
Kolkata
05.2010 - 06.2010
- Identifying the factors contributing to the success/failure of the scheme of support provided to the various agencies vis-à-vis the approach adopted by them in implementing the scheme.
- Studying the empowerment and group dynamics of the SHGs promoted under the scheme vis-à-vis other SHGs.
- Evaluating the effectiveness of the scheme as a tool for up scaling the SHG-Bank linkage programme.
- Project Title: Impact Evaluation of Promotional Support to Self Help Promoting Institutions under SHG-Bank Linkage Programme in West Bengal.
Education
MBA - Finance, MKGT
Indian Institute of Social Welfare & Business Management
12.2012
Bachelor of Science - Genetics
West Bengal University of Technology
12.2009
12TH Standard - Science Stream
West Bengal Board
12.2006
10TH Standard -
West Bengal Board
12.2004
Skills
- Oral and written communication
- Credit analysis
- Loan processing
- Risk assessment
- Portfolio management
- Regulatory compliance
- Data analysis
- Team leadership
- Financial reporting
- Problem solving
- Accounting and financial concepts
- Positive attitude
- Collaboration skills
- Innovation
- Solution orientation
- Client relationship management
- Ownership and accountability
- Independent task execution
- Pressure management
Disclaimer
I hereby declare that the above information has been provided by me and it wholly conforms to my knowledge and skills.
Timeline
Area Credit Manager
Axis Bank Limited
12.2018 - Current
Area Credit Manager
Tata Motor Finance Limited
12.2015 - 12.2018
Credit Analyst (Assistant Manager)
Magma FinCorp Ltd
05.2012 - 12.2015
Intern
National Bank for Agriculture and Rural Development
05.2010 - 06.2010
MBA - Finance, MKGT
Indian Institute of Social Welfare & Business Management
Bachelor of Science - Genetics
West Bengal University of Technology
12TH Standard - Science Stream
West Bengal Board
10TH Standard -
West Bengal Board
Similar Profiles
AKASH MARTURKARAKASH MARTURKAR
Relationship Officer at DEPUTED AT AXIS BANK LIMITED ( Quess Crop Limited)Relationship Officer at DEPUTED AT AXIS BANK LIMITED ( Quess Crop Limited)
Zimi BalevaZimi Baleva
Deputy Manager at Axis Bank LimitedDeputy Manager at Axis Bank Limited
LATHESHA KOTIANLATHESHA KOTIAN
Senior Manager at Axis Bank LimitedSenior Manager at Axis Bank Limited
Ritesh SalianRitesh Salian
Vice President, Trade Operations at Axis Bank LimitedVice President, Trade Operations at Axis Bank Limited
Sunil BhatSunil Bhat
Business Head IDBI Vertical at Ageas Federal Life Insurance Company LtdBusiness Head IDBI Vertical at Ageas Federal Life Insurance Company Ltd