Debodooty Sarkar
Kolkata
Summary
Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services.
Overview
8
8
years of professional experience
Work History
Area Credit Manager
Hero Fincorp Ltd
Kolkata
04.2023 - Current
- Handling Team of Credit Managers and Analysts and reporting directly to NCM
- Analysing and approving high value unsecured loans
- Taking care of portfolio of East and designing credit policies
Area Credit Manager
Tata Capital
Kolkata
01.2022 - Current
- Underwriting of commercial vehicle and construction equipment loans.
- Train my subordinates to follow process flow smoothly
- Take care of delinquent accounts and do regular followups with sales and collections
Credit Manager
Yes Bank Ltd
Kolkata
07.2019 - 10.2021
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Monitored accounts for signs of fraud and non-payment issues.
- Reviewed and analyzed loan procedures.
- Optimized credit approval and collection processes, improving operational efficiencies.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Involved in underwriting unsecured business loans, personal loans and auto loans
Credit Manager
ICICI Bank
Kolkata
09.2018 - 07.2019
- Referred delinquent accounts to collections department or outside resources.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Prepared a variety of different written communications, reports and documents to ensure smooth operations.
Senior Associate
PWC SDC
Kolkata
03.2018 - 08.2018
- Tracked stock using company inventory management software.
- Developed auditing program to address risks and evaluate regulatory requirements.
- Produced audit reports which comprised evaluation of internal control systems.
- Performed strategic planning, execution and finalization of audits.
Education
BCOM(H) - Accounts And Finance
Calcutta University
Kolkata06-2014
Chartered Accountant - Accounts And Finance
ICAI
Kolkata11-2017
Skills
- P>Fraud knowledge
- P>Credit reports
- P>Risk mitigation
- P>Performance monitoring
- P>Credit report pulling
- P>Planning and Coordination
- P>Report monitoring
- P>Computer skills
Languages
English
Bengali
Hindi
Interests
Cricket
Music
Timeline
Area Credit Manager
Hero Fincorp Ltd
04.2023 - Current
Area Credit Manager
Tata Capital
01.2022 - Current
Credit Manager
Yes Bank Ltd
07.2019 - 10.2021
Credit Manager
ICICI Bank
09.2018 - 07.2019
Senior Associate
PWC SDC
03.2018 - 08.2018
BCOM(H) - Accounts And Finance
Calcutta University
Chartered Accountant - Accounts And Finance
ICAI