Summary
Overview
Work History
Education
Skills
References
Timeline
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Chayan Kabra

Indore

Summary

Dynamic finance professional with a proven track record at Bandhan Bank Limited and HDFC Bank Limited, excelling in judgmental lending and underwriting. Skilled in leading teams to enhance portfolio quality and minimize credit risks, demonstrating exceptional financial analysis and oral communication abilities. Achieved significant reductions in delinquencies through strategic risk assessments and cross-functional collaboration.

Overview

6
6
years of professional experience

Work History

Credit Analyst for Mid and Large Corporates

Bandhan Bank Limited
Indore
10.2024 - Current
  • Conduct detailed financial analysis of large corporates and mid-sized businesses (top line > INR 250 Cr) across diverse sectors, including manufacturing and trading in agri and non-agri segments.
  • Perform credit appraisals and risk assessments to evaluate borrowers' financial health and determine loan eligibility.
  • Develop and present comprehensive credit memos, cash flow projections, and borrower profiles to internal committees for decision-making.
  • Collaborate with cross-functional teams to identify potential deals and provide strategic insights on fundraising options.
  • Oversee end-to-end credit approval processes, including underwriting, documentation reviews, and final disbursement sign-offs.
  • Authorize deviations and ensure compliance with credit policies while monitoring post-disbursement documentation (PDD) and customer discussions for high-value cases.
  • Manage vendor relationships (legal, technical valuation, and stock audits, commodity audits) to resolve queries and expedite report submissions.
  • Lead and mentor a team of credit approvers to maintain portfolio quality and reduce delinquencies.
  • Engage in the development, implementation, and refinement of credit programs while providing training to enhance team competencies and efficiency.
  • Monitor industry trends and regulatory changes to adapt risk strategies and underwriting norms to market needs.
  • Coordinate with the recovery team to analyze portfolio insights and manage delinquency trends effectively.

Area Credit Manager

HDFC Bank Limited
Indore
11.2018 - 10.2024
  • Lead a team of credit managers to ensure the timely closure of credit proposals within the defined TAT.
  • Review and sign off on credit proposals with a clear opinion regarding the feasibility and structuring of facilities involving various products, like CC, ODs, term loans, trade financing products, and PSR.
  • Ensure strict adherence to credit policies, guidelines, and regulatory requirements during the evaluation and sign-off process, and post-disbursal monitoring.
  • Managing the quality of the portfolio in the designated area, identifying the potential credit risks, and taking proactive measures to mitigate them.
  • Implementing strategies to minimize credit loss and delinquencies within the designated area.
  • Collaborating with the sales team to identify potential customers and to provide guidance on credit terms and loan structures.

Education

Institute of Chartered Accountants of India
Chartered Accountant
05-2018

Skills

  • Oral and written communications
  • Judgmental lending
  • Underwriting
  • Banking regulations
  • Financial statements expertise

References

References available upon request.

Timeline

Credit Analyst for Mid and Large Corporates

Bandhan Bank Limited
10.2024 - Current

Area Credit Manager

HDFC Bank Limited
11.2018 - 10.2024

Institute of Chartered Accountants of India

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Chayan Kabra