Summary
Overview
Work History
Education
Skills
Hobbies and Interests
Personal Information
Languages
Disclaimer
Place
Timeline
Generic

Bishal Adhikary

Nadia

Summary

Experienced Credit Manager in SME and unsecured business loans, skilled in credit assessment, loan structuring, financial analysis, and decision-making, aiming to drive risk-mitigated lending and portfolio growth.

Overview

9
9
years of professional experience

Work History

Credit Manager – SME Vertical

Tata Capital
Kolkata
06.2024 - Current
  • Credit Manager – SME Vertical managing loan proposals from Rs 10 lakhs to Rs 90 lakhs, and overseeing portfolio performance.
  • Conduct credit assessment and loan processing for unsecured business loans through analysis of CIBIL, banking, and financial data.
  • Evaluate customer business and credit behaviour via personal discussions and on-site visits to ensure informed decision-making

Credit Manager-SME Vertical

Bajaj Finserv Ltd.
Kolkata
10.2021 - 05.2024
  • Serving as Credit Manager – SME Vertical, managing loan portfolios and ensuring optimal performance.
  • Responsible for comprehensive credit assessment and processing of unsecured business loans.
  • Conduct financial, banking, and CIBIL analysis, complemented by evaluation of customer business and credit behaviour through discussions and on-site visits.

Senior Associate – Business Loan & Working Capital

Kotak Mahindra Bank Ltd
Kolkata
02.2018 - 10.2021
  • Worked as a Senior Associate in the Business Loan and Working Capital Credit team.
  • Responsible for end-to-end credit processing from loan login to disbursement, including preparation of FAT (Financial Assessment Tool), CAM (Credit Appraisal Memo), and banking documentation.
  • Prepared financial assessment reports, PD notes, and managed all LOS processes; ensured completion of system-based due diligence and post-sanction documentation for disbursement.

Associate – Auto Loan Credit Team

ICICI Bank Ltd
Kolkata
11.2016 - 12.2017
  • Worked as an Associate in the Auto Loan Credit team.
  • Responsible for end-to-end credit processing from file login to disbursement, including preparation of Credit Appraisal Memos (CAM).
  • Ensured thorough review of all files in compliance with login policies and completed post-sanction documentation for disbursement.

Education

Master’s In Business Administration - Finance

The ICFAI University Tripura
01.2022

Bachelor Of Arts -

KALYANI UNIVERSITY
05-2016

H.S -

W.B.C.H.S.E
07-2012

MADHYAMIK -

W.B.B.S.E
05-2010

Skills

  • Credit Risk Assessment
  • Loan Structuring & Regulatory Compliance
  • Client Relationship Management
  • Team Leadership & Decision-Making
  • Effective Communication
  • Problem Solving
  • Due Diligence & On-Site Evaluation
  • Financial analysis

Hobbies and Interests

  • Photography
  • Playing outdoor games

Personal Information

  • Father's Name: Dilip Adhikary
  • Date of Birth: 07/29/95
  • Gender: Male
  • Marital Status: Single
  • Religion: Hindu

Languages

Bengali
First Language
Bengali
Proficient (C2)
C2
English
Advanced (C1)
C1
Hindi
Upper Intermediate (B2)
B2

Disclaimer

I hereby declare that all the information above are true and correct to the best of my knowledge.

Place

Ranaghat, Nadia

Timeline

Credit Manager – SME Vertical

Tata Capital
06.2024 - Current

Credit Manager-SME Vertical

Bajaj Finserv Ltd.
10.2021 - 05.2024

Senior Associate – Business Loan & Working Capital

Kotak Mahindra Bank Ltd
02.2018 - 10.2021

Associate – Auto Loan Credit Team

ICICI Bank Ltd
11.2016 - 12.2017

Master’s In Business Administration - Finance

The ICFAI University Tripura

Bachelor Of Arts -

KALYANI UNIVERSITY

H.S -

W.B.C.H.S.E

MADHYAMIK -

W.B.B.S.E

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Bishal Adhikary