ARKAJYOTI BASU
Senior Credit Manager
Sonarpur,WB
Summary
Dynamic Senior Credit Manager with extensive experience at HDFC Bank, excelling in credit underwriting and risk management. Proven track record in delivering high-quality credit proposals and leading a team of 17 CPAs. Adept at financial analysis and fostering collaboration across departments to enhance decision-making and customer service.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Senior Credit Manager
HDFC BANK LIMITED
04.2018 - Current
- Doing Credit Appraisal, Credit Underwriting for borrowing requirements of clients.
- Reviewing new and existing portfolios as well as identifying risk areas keeping in view company policies and procedures.
- In-depth analysis of financial statements, credit history and bank accounts along with various other parameters to better understand the creditworthiness of the customers.
- Analysis of monthly/quarterly variances, current year performance, industry risks and opportunities.
- Benchmarking companies against its peers in the industry, conducting sensitivity and scenario analysis for stress testing on loans.
- Drafting credit assessment memo with insights of financial risks, industry risks, business and management risks, independent feedback (Pd, Tpc, customers and suppliers).
- Quality submission of credit proposals with recommendations and feedback.
- Prioritizing on creating high quality portfolio.
- Managing the complete life-cycle of loan process, through credit application till disbursement.
- Keeping track of market factors, indices, policies & regulations and identify the impact on credit portfolio and decisioning.
- Working closely with internal teams such as legal, technical valuation, field investigation, risk containment amongst others.
- Having L2 RBA Decisioning Authority (CAD) Wherein Fellow Credit Managers Recommend Cases for Reviewing Their CAM.
- Handling a Team of 17 CPA's and Providing them Training Regarding Credit Policies and Process of the Company.
- Focusing on delivering best in class service, E2E TAT and transaction experience to customers in every engagement.
- Working as a FPR from East Region for Launch of Softcell Software (Lentra) Regarding Credit Decisioning.
- Coordinating with Central Team for UAT Testing of the software to Avoid Glitches and Smooth Functioning.
Credit Manager
BAJAJ FINANCE LIMITED
07.2016 - 04.2018
- Underwriting and Risk analysis of Personal Loan, Emerging Business Loan.
- Reviewing Client Application forms, Supporting documents, KYC'S, Signatures etc.
- Conducting Personal discussion (PD) by meeting clients personally. Visiting Business Locations, Residence, Verifying KYC's and business-related financials.
- Checking Cibil, High Mark and other credit bureau reports, Analyzing Financials, Banking and asking for relevant documents if required.
- Analysis of potential customer depending on sales volume, purchase, cash flow, business related financials.
- Doing Audit of Sales Team who sources PL and BL Files on Monthly Basis.
- Preparing Credit Observation Report (COR) and then decisioning the case following Credit policy and guidelines.
Credit Officer
HEWLETT-PACKARD [HP]
05.2014 - 07.2016
- Analyzing Financials, Preparing Credit Appraisal Reports (CAR), Recommending cases for decisioning to approving authorities from UCO Bank All India HEAD OFFICE at Kolkata.
Financial Analyst
SUGUNA FOODS LIMITED
06.2012 - 07.2013
- Preparation of Project Viability along with Proposal for a New Project to be presented to the Management.
- Comparing Project Actual Cost with Project Budget.
- Generation of Project Report through ERP.
- Participating in preparing Project Budget.
- Preparing Financial Projections for a New Project.
Credit Analyst
ICICI BANK LIMITED
09.2010 - 05.2012
- Credit Appraisal/Underwriting of Loan Applications within defined policies, guidelines and accordingly taking decisions.
- Due Diligence Check of All Loan Applications.
- Preparing Credit Appraisal Memo (CAM) for different Loan Applications like BL, PL.
- Decision making within TAT.
Education
Master of Business Administration - Finance
Symbiosis University
03-2025
Data Analytics -
IVY Professional School
12-2015
Post Graduate Diploma - Banking Operations
NIIT-IFBI University
03-2011
B.Com - Hons.in Accounting And Finance
Calcutta University
09-2010
DOEACC O Level -
DOEACC SOCIETY (Ministry of Information Technology Govt.of India)
01.2009
Class XII - CBSE Board
B.D.M.I
04-2007
Class X - CBSE Board
B.D.M.I
04-2005
Skills
- Credit underwriting and appraisal
- Credit assessment and analysis
- Credit risk management
Certification
Certification in Fundamentals of Credit, Corporate Finance Institute, 100%
Languages
- English
- Hindi
- Bengali
Professional Highlights
- An Experienced Credit Underwriter with More Than 14 Yrs. of Experience in Various Fields Like Credit Underwriting, Credit Appraisal, Credit Monitoring, Credit Analysis, Credit Assessment, Credit Evaluation, Credit Risk.
- Products Handled - Business Loan, Education Loan, Personal Loan, Government Sponsored Products.
Accomplishments
- I have received three Silver Star certificates and a WOW card for delivering the best performance as a Senior Credit Manager from HDFC Bank Limited in the entire East Zone
- I have received back-to-back two Sprinter awards for delivering the best performance as a Credit Manager from Bajaj Finance Limited in the entire East Zone
- Had scored an overall 95.87% in the internal audit of ICICI Bank Limited with a seven-star rating (highest audit rating in ICICI Bank Ltd)
Timeline
Senior Credit Manager
HDFC BANK LIMITED
04.2018 - Current
Credit Manager
BAJAJ FINANCE LIMITED
07.2016 - 04.2018
Credit Officer
HEWLETT-PACKARD [HP]
05.2014 - 07.2016
Financial Analyst
SUGUNA FOODS LIMITED
06.2012 - 07.2013
Credit Analyst
ICICI BANK LIMITED
09.2010 - 05.2012
Master of Business Administration - Finance
Symbiosis University
Data Analytics -
IVY Professional School
Post Graduate Diploma - Banking Operations
NIIT-IFBI University
B.Com - Hons.in Accounting And Finance
Calcutta University
DOEACC O Level -
DOEACC SOCIETY (Ministry of Information Technology Govt.of India)
Class XII - CBSE Board
B.D.M.I
Class X - CBSE Board
B.D.M.I
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