Moumita Maity
51S B ROAD,SONARPUR 24 PARGANAS
Summary
Finance professional with 6 years of Finance Marketing experience, specialized in assessing customer financial needs and crafting strategic solutions to enhance product offerings, proven expertise in credit evaluation, risk assessment and managing financial portfolios. Strong leadership skills with a focus on optimizing team performance and ensuring efficient, compliant operations. Adept at streamlining processes to improve service delivery and operational outcomes.
Overview
7
7
years of professional experience
Work History
Manager
HDFC Bank Business Banking
Kolkata, India
07.2026 - Current
- Oversaw 450 crore portfolio, balancing risk exposure and minimizing default rates through proactive management.
- Executed risk mitigation strategies and monitored ongoing credit risks to protect financial assets and enhance stability.
- Monitored industry regulations and best practices, implementing necessary changes to ensure compliance frameworks remain robust.
- Assessed and approved loan applications for corporate clients through comprehensive financial statement analysis and credit risk evaluations.
- Executed disbursement processes for new bank cases, ensuring thorough preparation of credit notes and conducting comprehensive checks to mitigate risk compliance.
- Oversaw monitoring of high-value transactions and ensured timely submission of documentation from existing clients.
- Facilitated collaboration among employees, vendors, and stakeholders, ensuring seamless coordination of activities for effective risk remediation.
- Compiled and assessed performance data, converting information into improvement plans.
- Incorporated new and upcoming products by researching emerging offerings and building relationships with suppliers.
Deputy Manager
HDFC Bank Business Banking
Kolkata, India
07.2023 - 06.2026
- Managed and grew portfolio of corporate and SME clients (turnover of ₹10 Cr to ₹250 Cr), increasing book size and identifying new income generation avenues.
- Oversaw the entire lending lifecycle—from sourcing and credit appraisal to documentation, limit loading, and continuous credit monitoring.
- Evaluated credit risk and analyze financial statements to structure and implement innovative working capital solutions, including Cash Credit (CC), Overdraft (OD), and Bill Discounting
- Cross-sold banking products including term loans, trade finance, and general insurance to existing clients, maximizing account value.
- Collaborated with credit and risk management teams to ensure all financial solutions comply with regulatory guidelines and internal risk policies.
Assistant Manager
HDFC Bank Business Banking
Kolkata, India
07.2021 - 06.2023
- Drove revenue by cross-selling cash management and lending products (BL, OD, CC) tailored to client needs.
- Advised corporate clients on optimizing working capital, managing liquidity, and forecasting cash flow to enhance financial stability.
- Formulated and executed account plans for assigned portfolio, increasing share of wallet through targeted strategies.
- Evaluated credit risks for working capital solutions, monitored asset deterioration signals, and implemented corrective actions to safeguard client investments.
Trainee
HDFC Bank Business Banking
Chennai, India
07.2020 - 07.2021
- Evaluated client balance sheets, income statements, and cash flow cycles to identify working capital requirements
- Assist senior relationship managers in managing a portfolio of commercial clients by tracking credit usage and preparing presentation materials.
- Assisted in preparing pre-screen deal memos and term sheets for trade finance, lines of credit, and supply chain finance.
- Joined senior managers in client meetings to clarify business objectives, resolve service issues, and propose cash management solutions.
- Managed a portfolio of 50 cr ensuring balanced risk exposure and maintaining a low default rate.
Marketing Analyst Intern
American Air Filter
Bengaluru, India
01.2020 - 06.2020
- Developed targeted content for social media platforms, including Pinterest, Facebook and Instagram.
- Enhanced customer interaction through social media, blog, and website posts to support digital marketing initiatives.
- Refreshed web pages and social media profiles to implement proactive strategies and engage customers.
- Monitored social media for trending news, ideas and feedback.
- Researched latest trends and conducted market analysis.
- Collected and organized new leads through various channels to support sales efforts. to contribute to potential client growth.
- Coordinated meeting logistics, organized materials, and took notes to track discussions and implementation plans.
- Assembled multimedia presentations for use in meetings with key stakeholders and senior management.
- Observed strict information security practices to prevent likelihood of data breaches.
Education
Post Graduate Diploma in Management - Finance and Marketing
Institute of Finance And International Management
Bengaluru, India06-2020
Bachelor of Pharmacy - Pharmaceutical Sciences
Bengal College of Pharmaceutical Sciences & Research
Durgapur, India06-2018
Skills
- Credit Analysis & Assessment
- Risk Management
- Financial Acumen
- Portfolio Management
- Regulatory Compliance
- Financial Modeling
- Working Capital Management
- Technology Proficiency
- Analytical & Decision-making skills
- Communication & Negotiation
- Client Engagement
- Project Coordination
Languages
English
Hindi
Bengali
Extra-Curricular activities and Achievements
- Got Entrepreneurship Week— I India 2015 Premier award for active participation during my B. Pharmacy term.
- Headed Digital Marketing Committee of IFIM Business School.
- Campus Ambassador for Human Welfare Council, a non—profitable organization.
- Sports team captain for consecutively 4 years in my UG and so encouraged a lot of my mates into sports.
- Badminton champion in my UG.
- Worked in a NCO named Institute for the Handicapped and Backward People, Kolkata. We work for the differently-abled vulnerable children in the rural and urban areas across West Bengal.
- I was the lead singer for my school band. I've also participated in few bands as vocalist.
- Taught underprivileged children under Shiksha Adhaar.
Timeline
Manager
HDFC Bank Business Banking
07.2026 - Current
Deputy Manager
HDFC Bank Business Banking
07.2023 - 06.2026
Assistant Manager
HDFC Bank Business Banking
07.2021 - 06.2023
Trainee
HDFC Bank Business Banking
07.2020 - 07.2021
Marketing Analyst Intern
American Air Filter
01.2020 - 06.2020
Post Graduate Diploma in Management - Finance and Marketing
Institute of Finance And International Management
Bachelor of Pharmacy - Pharmaceutical Sciences
Bengal College of Pharmaceutical Sciences & Research