Nilotpal Biswas
Banking and Finance
Summary
Experienced and Achievement-driven Professional with a demonstrated history of working in the Banking Industry. Skilled in Marketing, Client Acquisition & Portfolio Management, Credit Appraisal, Financial Analysis, Credit Rating, Compliance, Monitoring, Risk Assessments, and Control, MIS Reporting, Customer Relationship Management (CRM); adept at handling budget limitations, deadlines, and high-pressure situations.
Overview
14
14
years of professional experience
2
2
Languages
Work History
Chief Manager
State Bank of India
11.2017 - Current
- Acted as a multi-functional Credit Admin Team Head, overseeing end-to-end processes for SME and Mid Corporate Finance, from sourcing to disbursement.
- Developed effective strategies to penetrate new business by marketing bank products for Working Capital, Project Finance, and Foreign Trade.
- Conducted financial, sectorial, market, and management data analysis to assign credit ratings.
- Managed project appraisal using financial analysis techniques such as ratio analysis and credit rating.
- Completed comprehensive due diligence, documentation, and disbursement processes.
- Monitored and analyzed credit portfolios to maintain portfolio health and manage stress and NPAs.
- Directed marketing efforts leading to increased brand awareness and a growing customer base.
- Provided strong leadership to enhance team productivity and morale.
- Established team priorities, maintained schedules and monitored performance.
- Managed a team of professionals to achieve organizational goals and maintain high productivity levels.
Senior Manager
Indian Overseas Bank
11.2015 - 11.2017
- Led the credit team at BP Road Branch, Kolkata, managing the end-to-end credit process for SME Finance.
- Consistently met or exceeded annual performance targets set by senior leadership.
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Assisted management in credit monitoring and evaluation, implementing preventive and corrective measures.
- Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty.
Manager
Union Bank of India
08.2010 - 11.2015
- Served as a Credit Processing Officer, performing analytical reviews of financial operations and credit data.
- Analyzed credit data, financial statements, and conducted credit rating for risk assessment.
- Assisted in achieving management goals and supporting the credit team.
- Cultivated partnerships with external stakeholders to maximize business opportunities and extend network reach within the industry sector.
- Streamlined workflows by identifying bottlenecks in existing systems and proactively addressing these challenges through appropriate solutions implementation.
Education
MBA in Finance -
University Of Calcutta
07.2008 - 05.2010
Python For Data Science - Data Science
Great Learning
01.2018 - 05.2018
MSME & Working Capital Lending - Banking And Financial Support Services
CRISIL1 Academy
04.2001 -
Skills
Corporate Banking
Quick Learning
Adaptability
Ability to Work Under Pressure
Ability to work in a team
Ability to Multitask
Advanced Analytical Thinking Skill
Python
Microsoft Office
Customer Service
Effective Time Management
Team leadership
Business Development
Business Loan
Commercial Credit
Commercial Credit
SME Credit
Risk Management
Credit Management
Managerial Skills
Websites
Extracurricular Activities
Project Report, University of Calcutta, Kolkata, 09/2009, 11/2009, Has took up a Project on "INDIAN GOVERNMENT'S STIMULUS FOR RECOVERY OF THE ECONOMIC DOWNSWING DURING SUB-PRIME CRISIS"
- Researched and analyzed Indian government's stimulus packages to assess their impact on the economy.
Timeline
Python For Data Science - Data Science
Great Learning
01.2018 - 05.2018
Chief Manager
State Bank of India
11.2017 - Current
Senior Manager
Indian Overseas Bank
11.2015 - 11.2017
Manager
Union Bank of India
08.2010 - 11.2015
MBA in Finance -
University Of Calcutta
07.2008 - 05.2010
MSME & Working Capital Lending - Banking And Financial Support Services
CRISIL1 Academy
04.2001 -