Anurag Mishra
Kota
Summary
Analytical professional with strong background in Financial modelling and Risk management. Service-oriented Credit Manager with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Credit Manager-Credit & Policy Group
ICICI Bank
01.2022 - Current
- Appraised 100+ Small & Medium enterprises clients and Mid Corporate clients in FY2024 via credit risk assessment on the basis of business model risk, financial health and management vintage
- Conducted monthly trainings to support junior risk managers & CPAs to prepare Credit assessment memo (CAM)
- Achieved Credit productivity of 95% in Feb-2024 with recommending highest loan proposal with nil post approval errors
- Provided expert advice on complex credit transactions for senior management, facilitating informed decision making.
Credit Manager- Risk Management
HDFC Bank Limited
09.2020 - 01.2022
- Appraised 120+ Loans of Book Value:Rs.20 crore/month in New/Used Commercial Vehicle & Commercial Equipment
- Prepared 144 Covid-19 restructuring case during the financial year FY2022 and checked NPA to
- Regular Visit in Dealerships and Existing Customer Business Location around Lucknow Hub for Market review
- Coordinated with Business team for overall disbursement of > Rs
- 20 crores /month from Lucknow Hub in Q2-FY2022
- Impact: Efficiently maintaining healthy credit portfolio with Minimized 30+,90+ delay bucket cases by 45% in FY2022
- I.e
- From (11% to 6%) through optimizing the quality of portfolio & recommending as per policy to approving authority.
Engineering Trainee
Reliance Industries Limited
07.2017 - 06.2018
- Contributed in 5% efficiency increase of Ethylene Oxide Plant during planned gas turbine shutdown during Oct-2017
- Handled Role Allocation and Work Distribution Management of 150+ worker at Ethylene Oxide Plant on daily basis
- Worked as Inventory Area Engineer at Stores as MMCS and SAP learner(Material Masters Central Store).
- Optimized manufacturing processes through the application of lean principles, reducing waste and overall production time.
- Provided guidance to junior team members on best practices, fostering a collaborative work culture that encouraged growth and development.
Education
MBA - Accounting And Finance
Indian Institute of Management Kashipur
Kashipur, India02.2020
B. Tech (ME) -
Jadavpur University, Kolkata
01.2017
12th (CBSE) -
Kendriya Vidyalaya Dum-Dum,Kolkata
01.2012
10th (CBSE) -
Kendriya Vidyalaya Dum-Dum,Kolkata
01.2010
Skills
- Risk Management
- Credit appraisal
- Data Analysis
- Industry Research
- Corporate Finance
- Tableau
- Credit policy development
- Loan structuring
- Cash Flow Forecasting
- Collateral Evaluation
Certification
- Udemy- Industry assessment course on credit appraisal, watch early warning signals in loan & peer analysis, 2023
- Bloomberg Market concepts course to analyze financial markets & economic indicators, 2022
Accomplishments
- Awarded as 3rd Superstar-UP/UK contest-Q3-FY2023- ICICI Bank (Quality of CAM and TAT achievement), 2023
- Ranked Second in Academic Merit List of Mechanical Engineering at Jadavpur University ,Kolkata, 2017
Personal Information
- Age: 29 years
- Date of Birth: 07/09/94
- Gender: Male
Summer Internship
2 months, YES BANK Limited, Mumbai, Summer Intern – Corporate Strategy, 04/19, 05/19, Provided Communications Team with Competitive Benchmarking Report on Technology driven initiatives by peer banks, Conducted survey on satisfaction level of 500 employees with YES BANK’s Innovation Initiatives on Employer branding, Impact: Efficiently increased employee satisfaction level by 20% from 65% to 85% as per Employer branding survey, Reviewed 150+ Lead Generation Process and Sales Team Pitch for offers in Premium Current accounts
Hobbies and Interests
Preparing for FRM Part 1 in 2023 & Following up news about stock market and about global economy
Projects
Valuation of Ashok Leyland using Relative Valuation, Approach to determine its share price, 2020
Additional Information
ACHIEVEMENTS
· Awarded as 3rd Superstar-UP/UK contest-Q3-FY2023- ICICI Bank (Quality of CAM and TAT achievement) in December-2023
· Ranked Second in Academic Merit List of Mechanical Engineering at Jadavpur University ,Kolkata in 2017
CERTIFICATIONS
· Udemy- Industry assessment course on credit appraisal, watch early warning signals in loan & peer analysis in 2023
· Bloomberg Market concepts course to analyze financial markets & economic indicators in 2022
Timeline
Senior Credit Manager-Credit & Policy Group
ICICI Bank
01.2022 - Current
Credit Manager- Risk Management
HDFC Bank Limited
09.2020 - 01.2022
Engineering Trainee
Reliance Industries Limited
07.2017 - 06.2018
MBA - Accounting And Finance
Indian Institute of Management Kashipur
B. Tech (ME) -
Jadavpur University, Kolkata
12th (CBSE) -
Kendriya Vidyalaya Dum-Dum,Kolkata
10th (CBSE) -
Kendriya Vidyalaya Dum-Dum,Kolkata
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