Anirban Ganguly
Chief Credit Manager
Kolkata
Summary
Skilled in building strong client and stakeholder relationships, negotiating credit terms, and driving process improvements to enhance credit management efficiency.Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. A results-driven professional specializing in assessing credit risk, managing credit portfolios, and optimizing cash flow across diverse industriesProven expertise in developing and implementing robust credit policies, conducting thorough financial analysis, and leading collections efforts to minimize bad debt and maximize profitability.
Overview
3
3
Languages
2
2
Certifications
11
11
years of professional experience
Work History
Credit Manager
Indusind Bank Ltd.
10.2023 - Current
- Overseeing departmental reporting, documentation, credit assessments, and risk mitigation to ensure accuracy and regulatory compliance.
- Collaborating with senior management and cross-functional teams to develop credit frameworks, and enhance operational efficiency.
- Coordinating with sales and other departments to improve workflows and drive seamless business operations.
- Analyzing credit risk by thoroughly evaluating financial data, payment histories, and market trends to identify, mitigate, and reduce potential losses.
- Ensuring rigorous compliance with regulatory frameworks and internal policies, minimizing audit risks, and maintaining high governance standards.
- Managed credit risk assessments and approvals for high-value client applications.
Credit Manager - PL
Tata Capital Financial Services Ltd.
05.2022 - 09.2023
- Conducted in-depth financial analysis and credit assessments to determine funding viability, specializing in high-value credit proposals.
- Ensured alignment with NBFC underwriting standards, risk management protocols, and regulatory compliance requirements.
- Led the end-to-end credit appraisal process, including due diligence.
- Led credit assessment processes to ensure accurate risk evaluation and compliance with regulatory standards.
Credit Manager - PL
HDFC Bank Ltd.
08.2018 - 05.2022
- Executed recovery strategies for overdue accounts, facilitated EMI restructuring, and minimized default risk through early engagement.
- Leveraged credit bureau insights (CIBIL, Experian, CRIF) to enhance applicant vetting and strengthen risk profiling.
- Assessed customer credit profiles by reviewing financial documents and conducting risk assessments across consumer durables, two-wheeler finance, government vendor funding, and personal loan segments.
- Mentored junior team members, fostering professional growth and improving team performance in credit analysis.
Accounts Associate
Lakhotia Logistics Pvt. Ltd.
03.2017 - 07.2018
- Conducted procurement ledger analysis, identified and corrected accounting discrepancies, ensuring accuracy of financial records.
- Managed vendor/customer correspondence and payables documentation, ensuring compliance with regulatory and audit standards.
- Cultivated strong client relationships, resulting in improved customer satisfaction and retention.
Ethics & Compliance Analyst
PwC SDC
08.2016 - 03.2017
- Administered M&A records for corporate restructuring, amalgamations, and liquidations, ensuring compliance with SLA benchmarks.
- Evaluated compliance programs to ensure alignment with regulatory requirements and internal policies.
- Conducted risk assessments to identify potential compliance gaps and recommend corrective actions.
- Developed training materials and conducted workshops to enhance compliance awareness among staff.
Cash Applicator
Genpact
08.2015 - 08.2016
- Adhered to SLA timelines and coordinated with clients to resolve issues and deliver reports.
Education
M.com - Accounting And Finance
Calcutta University
Kolkata, India01-2015
B.com - Accounting And Finance
Calcutta University
Kolkata, India 04.2001 -
12th Class - Commerce
MHMS
Kolkata, India 04.2001 -
Skills
Credit Risk Assessment
Credit Due Diligence
Loan Underwriting
Unsecured Underwriting
Credit Appraisal Process
Credit Framework Development
Risk Mitigation Strategies
Regulatory Compliance
Recovery & Restructuring
Cross-Functional Collaboration
Due diligence
Accomplishments
Promoted To Chief Credit Manager in Indusind Bank in 2026
Best Employer of the Month in Feb 2026 and June 2026
Distinguished as a Star Achiever for
surpassing targets, driving excellence,
and demonstrating unwavering
commitment to delivering superior results.
Awarded for exceptional dedication,
consistent high performance, and
significant contributions that positively
influenced team and organizational
success.
Partnered with a local NGO to coordinate
and distribute over 1,000 essential food
packages to vulnerable populations
during the COVID-19 lockdown,
exemplifying proactive leadership and
deep commitment to humanitarian efforts.
Certification
Vocational Course on Basic Computer
Interests
Listening To Songs, Watching Movie
Timeline
Credit Manager
Indusind Bank Ltd.
10.2023 - Current
Credit Manager - PL
Tata Capital Financial Services Ltd.
05.2022 - 09.2023
Credit Manager - PL
HDFC Bank Ltd.
08.2018 - 05.2022
Accounts Associate
Lakhotia Logistics Pvt. Ltd.
03.2017 - 07.2018
Ethics & Compliance Analyst
PwC SDC
08.2016 - 03.2017
Cash Applicator
Genpact
08.2015 - 08.2016
B.com - Accounting And Finance
Calcutta University
04.2001 -
12th Class - Commerce
MHMS
04.2001 -
M.com - Accounting And Finance
Calcutta University
Accomplishments
Promoted to Chief Credit Manager in 2026.Best Employer of the in Feb 2026 and June 2026.Star Award November, 2021 Distinguished as a Star Achiever for surpassing targets, driving excellence, and demonstrating unwavering commitment to delivering superior results., Outstanding Performer Award August, 2021 Awarded for exceptional dedication, consistent high performance, and significant contributions that positively influenced team and organizational success., COVID-19 Relief Initiative Partnered with a local NGO to coordinate and distribute over 1,000 essential food packages to vulnerable populations during the COVID-19 lockdown, exemplifying proactive leadership and deep commitment to humanitarian efforts.