Roshan Bhoi
Raipur
Summary
Experienced Credit Manager specializing in credit risk management and financial operations. Demonstrated analytical skills and relationship-building expertise enhance client interactions and facilitate effective negotiations. Achievements include improved cash flow and reduced delinquencies through strategic credit management policies.
Overview
2
2
years of professional experience
1
1
Certification
Work History
Credit Manager
IDBI Bank
Raipur
07.2024 - Current
- Evaluated and analyzed financial statements to determine organizational financial health and working capital requirements.
- Spearheaded financial due diligence processes, identifying risks and assessing business strengths to support loan decisions.
- Appraised credit proposals, addressing risk reviews and borrower profiles to ensure creditworthiness; facilitated the disbursal of approximately ₹15 Crores in business loans.
- Managed an asset portfolio valued at ₹60 Crores, conducting regular evaluations to ensure quality and compliance with RBI and IDBI standards.
- Improved asset quality by identifying early warning signals and initiating corrective actions, reporting findings to senior authorities.
- Conducted comprehensive industry analysis and credit bureau checks to support sound lending decisions.
- Collaborated with stakeholders to address potential deal-breakers and strengthen loan extension outcomes
Finance intern
Talentserve
03.2023 - 06.2023
- Performed market research to support investment analysis and informed decision-making processes
- Connected with over 50 angel investors to secure seed stage funding.
- Promoted start-up to enhance customer engagement and visibility across social media platforms.
.
Education
MBA - Finance
International Management Instutute
Bhubaneswar03-2024
Bachelor of Commerce - Accountancy
Gangadhar Meher University
Sambalpur04-2020
12th - Commerce
DAV Public School
Burla,Sambalpur04-2017
10th - General Studies
SSVM
Sambalpur03-2015
Skills
- Banking
- Financial Modelling
- Credit Appraisal
- Financial Statement Analysis
- Ms Office
- Python
- Risk Analysis
Certification
- Certification on investment risk management by Coursera
- Certification on the use of Power BI for financial data analysis by Coursera
- Certification on SAP HANA S/4
Projects
- Summer internship report on the topic 'The impact of COVID-19 on investment in Edtech start-ups, including changes in investor priorities and trends in funding'
- Capstone Project on ' Quantitative Risk Analysis in stock market : A Comparative Study of Traditional and Machine Learning Approached'
Extracurricular Activities
- Participated in various competition like TVS Credit Epic, HUL Lime & Vishleshan – The fundamental Analysis Competition by IIM Udaipur .
- Raised fund for the NGO “Smile India Foundation” as part of CSR activity during my internship.
- Pool champion at the college annual sports event, Khel-e-imi
Leadership Positions
- Senior member of finance Club- Fintelects, IMI B
- Volunteered ICBF (International Conference on Banking and Finance) as session Comparer
Accomplishments
- consistent performer award for FY 2025 at IDBI Annual R&R Meet
Languages
Hindi
First Language
English
Advanced (C1)
C1
odia
Intermediate (B1)
B1
Timeline
Credit Manager
IDBI Bank
07.2024 - Current
Finance intern
Talentserve
03.2023 - 06.2023
MBA - Finance
International Management Instutute
Bachelor of Commerce - Accountancy
Gangadhar Meher University
12th - Commerce
DAV Public School
10th - General Studies
SSVM
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