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
undefinedWebsites
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 -
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