Summary
Overview
Work History
Education
Skills
Certification
Projects
Extracurricular Activities
Leadership Positions
Accomplishments
Languages
Timeline
Generic
Roshan Bhoi

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
Bhubaneswar
03-2024

Bachelor of Commerce - Accountancy

Gangadhar Meher University
Sambalpur
04-2020

12th - Commerce

DAV Public School
Burla,Sambalpur
04-2017

10th - General Studies

SSVM
Sambalpur
03-2015

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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Roshan Bhoi