Summary
Overview
Work History
Education
Skills
Desired Job Location - Country
Desired Job Type
Current Employer
Travelling
Timeline
Generic
DEBJYOTI DATTA

DEBJYOTI DATTA

CREDIT MANAGER
Mumbai,MH

Summary

1)Results-driven Credit Manager experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach. 2)Proactive Credit Manager with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice.

3)Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.

4) Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.

5)Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.

6)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.

7) Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 15 years of financial industry expertise.

8) To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

9) Trained in Loan Lifecycle Processing System,CIBIL,COMMERCIAL CIBIL,CRIF,PROBE 42 and Digital Lending Software use and administration with knowledge of Loans and Advances. Dedicated to excellent customer service and best-in-class collaboration.

10) Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Credit Manager position. Ready to help team achieve company goals.

11) Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

15
15
years of professional experience

Work History

Credit Manager

Bank of Baroda
07.2009 - Current
  • Currently working as Scale 2 Officer in the Designation of Credit Manager since last 15 years
  • Handling a credit portfolio of Branch with 100 cr plus advance as Credit Head.
  • Designed and maintained financial models to identify and measure risks.
  • Leveraged advanced analytics tools in assessing borrower applications which resulted in better-informed lending decisions.
  • Created financial dashboards to provide insights into key performance indicators.
  • Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
  • Created and managed financial models to evaluate corporate investments and acquisitions.
  • Expert in Retail Advances like Housing Loan,Education Loan,Auto Loan(Four Wheeler and Two Wheeler),Mortgage Loan and Personal Loan.
  • Expert in Advances to Micro,Small and Medium Enterprises which includes Working Capital Finance like Cash Credit , Overdraft and Term Loan Facility as well

Education

Bachelor's in Law -

Calcutta University

JAIIB - undefined

Indian Institute of Banking and Finance (IIBF)

CAIIB - undefined

Indian Institute of Banking and Finance (IIBF)

Certificate in KYC AND AML - undefined

Indian Institute of Banking and Finance

Certificate in Banking Code and Standard Board of India - undefined

Indian Institute of Banking and Finance

Certificate Course in Micro, Small and Medium Enterprises - undefined

Indian Institute of Banking and Finance

Certificate in Digital Banking - undefined

Indian Institute of Banking and Finance

Certificate course in Prevention of Cyber Crime and Cyber Security - undefined

Indian Institute of Banking and Finance

Executive Programme in Banking and Finance - undefined

Indian Institute of Management Calcutta

MOODY'S CERTIFICATION IN COMMERCIAL CREDIT - COMMERCIAL CREDIT

MOODY'S CERTIFICATION IN COMMERCIAL CREDIT
2022

Masters in Law (LLM) - LAW

Calcutta University
CALCUTTA
04.2012

Skills

    Debt Restructuring

    Human resources knowledge

    Critical Thinking

    Time Management

    Financial analysis and reporting

    Financial Forecasting

    Application Review

    Financial Information Systems

    Debt Recovery Strategies

    Application processing

    Effective Communication

    Verbal and written communication

    Policy application

    Loan Origination

    Fraud knowledge

    Credit Approval and Denial

    Authorizations understanding

    Risk Assessments

    Know Your Customer

    Customer Service

    Remote Video Conferencing

    Loan Appraisal

    Loan Sanction

    Loan Documentation

    Disbursement

    Desired Job Location - Country

    NEWZEALAND

    Desired Job Type

    Permanent

    Current Employer

    Bank of Baroda

    Travelling

    I like to See,Travel and Experience the venture of travelling at the most

    Timeline

    Credit Manager

    Bank of Baroda
    07.2009 - Current

    Bachelor's in Law -

    Calcutta University

    JAIIB - undefined

    Indian Institute of Banking and Finance (IIBF)

    CAIIB - undefined

    Indian Institute of Banking and Finance (IIBF)

    Certificate in KYC AND AML - undefined

    Indian Institute of Banking and Finance

    Certificate in Banking Code and Standard Board of India - undefined

    Indian Institute of Banking and Finance

    Certificate Course in Micro, Small and Medium Enterprises - undefined

    Indian Institute of Banking and Finance

    Certificate in Digital Banking - undefined

    Indian Institute of Banking and Finance

    Certificate course in Prevention of Cyber Crime and Cyber Security - undefined

    Indian Institute of Banking and Finance

    Executive Programme in Banking and Finance - undefined

    Indian Institute of Management Calcutta

    MOODY'S CERTIFICATION IN COMMERCIAL CREDIT - COMMERCIAL CREDIT

    MOODY'S CERTIFICATION IN COMMERCIAL CREDIT

    Masters in Law (LLM) - LAW

    Calcutta University
    DEBJYOTI DATTACREDIT MANAGER