Ayan Das
Kolkata
Summary
Dynamic Corporate Credit Analyst with a proven track record at State Bank of India, ICICI Bank, and Bank of India. Adept in credit risk management and financial analysis. Successfully managed portfolios exceeding INR 8 billion, driving significant asset growth, and implementing strategies that maximized returns. Strong relationship management skills complement my expertise in corporate credit underwriting.
Overview
6
6
years of professional experience
1
1
Certification
Work History
CORPORATE CREDIT ANALYST |
State Bank of India
Kolkata
10.2024 - Current
- Handling a portfolio of six large corporate clients with a cumulative asset value surpassing INR 8 billion.
- Assessing creditworthiness and underwriting credit proposals of new accounts from industries such as real estate, power, engineering, etc.
- Presenting the analysis, assessment and recommendations regarding loan structure, pricing, covenants, various other terms and conditions etc. to the credit approval committees.
- Deriving the net value of accounts through cost-benefit analysis, and recommending strategies to mitigate potential losses, thereby maximizing return on risk-weighted capital.
- Conducting periodic risk assessments, addressing Early Warning Signals, covenant monitoring, and timely renewal of credit limits for the existing clients' portfolio.
RELATIONSHIP MANAGER | BUSINESS BANKING |
ICICI Bank
Kolkata
06.2023 - 10.2024
- Managed a portfolio of a diverse client base, comprising 21 MSMEs and mid-corporates, with a collective asset value of INR 4,400 million.
- Underwrote new credit proposals and initiated the renewal / enhancement of existing accounts present across industries like Real Estate, Steel, Construction, Tea, etc.
- Analyzed industry and credit risk factors through macroeconomic study, internal credit rating, financial analysis, forecasting, etc.
- Achieved an asset book growth of more than INR 1,500.00 million, and earned income of more than INR 50.00 million.
FINANCE & ACCOUNTS OFFICER |
ONGC Ltd
Silchar
07.2022 - 06.2023
- Managed accounts payable division of the company unit in order to minimize the Net Operating Cycle through strategic payment
- Prepared periodic budget for the overall company unit by optimizing fund requirements of various sub-sections through forecasting and trend analysis
ASSISTANT MANAGER [CREDIT DEPT] |
Bank of India
Kolkata
11.2018 - 06.2022
- Managed the INR 100-1,000 million segment of Corporate and MSME financing by underwriting credit proposals.
- Conducted due diligence through inspections, transaction analysis, industry analysis, etc. to ensure quality financing.
- Initiated recovery actions promptly in the NPA accounts under various provisions, like the SARFAESI Act, DRT, NCLT, liquidation of assets, etc.
- Underwrote more than 30 proposals with cumulative credit limit of more than INR 500 million
Education
MASTER OF BUSINESS ADMINISTRATION - Finance
Indian Institute of Management Indore
Indore, India03-2018
BACHELOR OF ARTS - FOUNDATIONS OF MANAGEMENT
Indian Institute of Management Indore
Indore, India05-2016
12TH (Higher Secondary) - Science
Uttarpara Govt High School
Uttarpara, WB04-2011
10TH (Secondary) -
Ramakrishna Mission Ashrama High School
Kolkata, WB05-2009
Skills
- Corporate Credit Underwriting
- Credit Risk Management
- Credit Rating
- Financial Modelling & Analysis
- Business Valuation
- Relationship Management
Certification
- FMVA Certification, Forevision, 06/17
- Certificate of Appreciation, Fraud Prevention - Bank of India, 06/19
Languages
- English
__________________________
- Bengali
__________________________
- Hindi
__________________________
Timeline
CORPORATE CREDIT ANALYST |
State Bank of India
10.2024 - Current
RELATIONSHIP MANAGER | BUSINESS BANKING |
ICICI Bank
06.2023 - 10.2024
FINANCE & ACCOUNTS OFFICER |
ONGC Ltd
07.2022 - 06.2023
ASSISTANT MANAGER [CREDIT DEPT] |
Bank of India
11.2018 - 06.2022
MASTER OF BUSINESS ADMINISTRATION - Finance
Indian Institute of Management Indore
BACHELOR OF ARTS - FOUNDATIONS OF MANAGEMENT
Indian Institute of Management Indore
12TH (Higher Secondary) - Science
Uttarpara Govt High School
10TH (Secondary) -
Ramakrishna Mission Ashrama High School
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