Happy Kataruka
Kolkata
Summary
With over 6 years of experience in credit management and a passion for financial strategy, my track includes leading teams to achieve significant credit risk management.
Overview
7
7
years of professional experience
Work History
Associate Vice President
Kotak Mahindra bank
12.2021 - Current
- Looking after Credit appraisals of All Corporate and Non Corporate clients.
- Monitoring of EWS/Delinquent cases and also helping in Collections of NPA clients.
- Managed the Credit Cycle for accounts of more than 500 customers.
- Negotiated complex credit terms with high-profile clients, facilitating the growth of the corporate loan portfolio.
- Presented vital credit risk findings to upper management, shaping the corporate credit policy and safeguarding against market volatilities.
- Negotiated and structured workout arrangements for high-risk accounts, preserving customer relationships and minimizing losses.
- Directing a credit team of 7, implementing strategic initiatives to reduce.
Manager
ICICI bank
08.2018 - 11.2021
- Performed rigorous financial statement analysis, contributing to the risk profiling and creditworthiness evaluation of prospective clients.
- Performed analysis of Financial and Tax Audit Report along with Customer’s Banking Conduct and preparation of Supporting documents for Client’s Credit/Loan Approval
- Identified Potential credit risks in Lending by Analysis of Financials, performed initial follow up with customers for credit reviews after evaluation of their financials
- Monitored Borrowing trends, Payments and credit Exposure from Individual & Commercial CIBIL, Bank Statement
- Took Responsibilities in Loan Renewal Process
Education
Chartered Accountant -
ICAI
Kolkata, India11-2017
B. Com -
Umesh Chandra College
Kolkata, India05-2013
CBSE (Class XII) - Commerce
Assembly Of God Church School
Puruliya, India05-2010
ICSE (Class X) -
St Xaviers School
05-2008
Skills
- Credit Risk Management
- Portfolio Management
- Team Leadership
- Inclination for Learning new things and socializing
Languages
English
Hindi
Bengali
Hobbies
Playing cricket, volley ball and carrom.
Timeline
Associate Vice President
Kotak Mahindra bank
12.2021 - Current
Manager
ICICI bank
08.2018 - 11.2021
Chartered Accountant -
ICAI
B. Com -
Umesh Chandra College
CBSE (Class XII) - Commerce
Assembly Of God Church School
ICSE (Class X) -
St Xaviers School
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