AMIT KUMAR PANDA
Kendrapara
Summary
Dynamic Credit Manager with a proven track record at HDFC Bank Ltd., excelling in credit underwriting and risk assessment. Recognised for exceptional portfolio monitoring and compliance, leveraging strong interpersonal skills to drive team success, and enhance operational efficiency. Consistently achieved top performance awards, reflecting a steadfast commitment to excellence in the financial services sector. Strategic thinker dedicated to fostering relationships that promote growth and mitigate risk.
Overview
11
11
years of professional experience
Work History
Credit Manager
HDFC Bank Ltd.
Raipur
08.2019 - Current
- Underwriting of agri working capital loans (including large tickets).
- Analyzed applicants' financial status, and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Analyzed customer data, such as financial statements, to determine the level of risk involved in extending credit.
- Govt. Sponsored schemes (AIF, Stand Up India, CG FMU, PM FME under CGTMSE, CG FMU guarantee).
- Commodity finance (pledge funding)
- Portfolio monitoring through visits to delinquent customers, repayment, and churning tracking.
- Vendor management: new empanelment, audit, and timely review with the bill process for existing vendors.
- TSR, valuation, vetting, and vaulting tracking.
- PAR (Post-Approval Review) monitoring for the state.
- Audit compliance on existing accounts, surprise post-sanction visits, and annual mutation check.
Credit Analyst
DCB Bank Ltd.
Raipur
02.2015 - 08.2019
- Underwriting of all retail loans (KCC, tractor, trade advance, commercial vehicles, and car).
- Visit every fresh KCC case, as well as a few tractor and commercial vehicle cases, prior to sanction.
- Monitor the KCC portfolio (timely review/renewal, interest servicing, churning, and PDD), as well as the repayment of tractor, CV, and car loan cases.
- Taking care of legal (Sec. 138 & DRT in NPA/Critical cases).
- Surprise visits in post-disbursed cases.
- Delivering product and process training to the respective concerns.
Education
PGDM - Finance
Regional College of Management
Bhubaneshwar05-2015
B Com - Commerce
Kendrapara Auto College
Kendrapara05-2013
12th - Commerce
Kendrapara Auto College
Kendrapara04-2010
10th -
Kansar Sahaspur High School
Kendrapara04-2008
Skills
- Quick learner
- Credit underwriting expertise
- Revenue projection
- Asset performance tracking
- Compliance auditing expertise
- Data analysis
- Optimistic mindset
- Prioritization and scheduling
- Cross-functional teamwork
- Responsive to new challenges
- Demonstrated leadership ability
Accomplishments
- Silver Star Award for quality underwriting
- Wow card for the month of Sep 2020 and May 2021 for quality underwriting and vendor management
- ESQ star for KCC portfolio management from the Product and Credit Head, Retail Agri loans
- Top Performer – Retail Credit Award for the FY 2017 – 18 (H1)
- Nominated as a smart credit analyst in terms of the rejection of cases
- Best Debutant Award for the FY 2015-16 from the MD and CEO of DCB Bank
Area Of Interest
- Credit risk analysis
- Portfolio monitoring
- Valuation and financial modeling
- Investment banking
Personal Information
- Date of birth: 05/16/93
- Marital status: married
Languages
Hindi
First Language
English
Proficient (C2)
C2
Timeline
Credit Manager
HDFC Bank Ltd.
08.2019 - Current
Credit Analyst
DCB Bank Ltd.
02.2015 - 08.2019
PGDM - Finance
Regional College of Management
B Com - Commerce
Kendrapara Auto College
12th - Commerce
Kendrapara Auto College
10th -
Kansar Sahaspur High School
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