Python
Pritam Ghosh
Credit Risk Analyst
Kolkata,We
Summary
Seasoned Credit Risk Analyst and Underwriting Specialist with 13 years of extensive experience in the mortgage industry. Demonstrated expertise in credit risk assessment, credit underwriting, and team leadership. Proficient in evaluating and mitigating credit risks, ensuring compliance with regulatory requirements, and optimizing underwriting processes to enhance efficiency and accuracy. Proven track record of managing high-performing teams, fostering professional development, and driving operational success. Adept at leveraging analytical skills and industry knowledge to make informed decisions and deliver exceptional results.
Overview
14
14
years of professional experience
4
4
Languages
Work History
Credit Risk Analyst
Bandhan Bank
04.2024 - Current
- Identified potential risks by analyzing trends in industry-specific data and market fluctuations.
- Reduced credit risk by implementing comprehensive risk assessment strategies.
- Enhanced portfolio performance with diligent monitoring and proactive risk mitigation measures.
- Collaborated with cross-functional teams to ensure alignment of risk management policies and procedures.
- Adhered to banking standards and government lending guidelines for loan services.
Senior Manager - Credit & Risk
Yes Bank Ltd.
9 2022 - 03.2024
- Established strong relationships with clients and stakeholders, ensuring long-term partnerships and repeat business.
- Reduced costs, optimized resource allocation, and improved efficiency in managing projects.
- Collaborated closely with peers from other departments to drive organizational success jointly as one cohesive unit.
- Utilized data-driven insights to make informed decisions that resulted in higher returns on investments.
- Promoted a culture of continuous learning through regular workshops, seminars, and training sessions for staff.
Credit Manager Retail Assets
Tata Capital Housing Finance Ltd.
05.2016 - 9 2022
- Focused on retail lending for growth of organization book size and profitability
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development.
- Established new branches for in the PCH region
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
Credit Manager
L&T Housing Finance Ltd.
09.2015 - 05.2016
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
Assistant Manager
LIC Housing Finance
07.2012 - 09.2015
- Business Development to meet annual target
- Over all end to end process development for onboading new customer
- Branch Portfolio Management
- Checking of Customer Credit worthiness as per their loan application
Management Trainee
LIC Housing Finance
07.2011 - 06.2012
Summer Intern
Bee Management Consultancy
04.2010 - 06.2011
- Study of Healt Care Market of Kolkata
- Health Care Tourism Prospect in Kolkata
Education
Advance Management Programme - Business Analyst
Indian School Of Business
Hyderabad, India 04.2001 -
MBA - Finance & Marketing
Jaipuria Institute Of Management
Noida, India 04.2001 -
Diploma - Computerized Accounting & Financial Decision
St. Xavier's College
Kolkata, India 04.2001 -
Bachelor of Science - Biotechnology
T.JOHN COLLEGE
Bengaluru, India 04.2001 -
Skills
Risk Assessment
Projects
Study of the Healthcare Sector in Kolkata, BEE Management Consultancy Pvt. Ltd., Mumbai, 05/2010, 06/2010, Aimed at conducting research on HealthCare Sector in Kolkata and gained an insight into the prevalent practices and challenges in the Healthcare sector in Kolkata with an understanding of the demand and supply gap of this sector, Imparted valuable suggestions to the company on opportunities in Kolkata's Healthcare sector, which can be utilized to expand the footprints of the company in the market
Software
R
Excel
Timeline
Credit Risk Analyst
Bandhan Bank
04.2024 - Current
Credit Manager Retail Assets
Tata Capital Housing Finance Ltd.
05.2016 - 9 2022
Credit Manager
L&T Housing Finance Ltd.
09.2015 - 05.2016
Assistant Manager
LIC Housing Finance
07.2012 - 09.2015
Management Trainee
LIC Housing Finance
07.2011 - 06.2012
Summer Intern
Bee Management Consultancy
04.2010 - 06.2011
Advance Management Programme - Business Analyst
Indian School Of Business
04.2001 -
MBA - Finance & Marketing
Jaipuria Institute Of Management
04.2001 -
Diploma - Computerized Accounting & Financial Decision
St. Xavier's College
04.2001 -
Bachelor of Science - Biotechnology
T.JOHN COLLEGE
04.2001 -
Senior Manager - Credit & Risk
Yes Bank Ltd.
9 2022 - 03.2024
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