Saurav Kumar
Ranchi
Summary
Seeking challenging assignments in the domain of Account, Finance, Auditing & Taxation with growth-oriented organization where I can utilize my professional knowledge by seeking opportunities for professional growth and advancement and to contribute towards organization 's goals
Overview
2
2
years of professional experience
Work History
Credit Manager
IndusInd Bank Ltd.
Varanasi
02.2025 - 07.2025
- Evaluating creditworthiness of retail and business loan applicants through financial statement analysis, repayment history, and risk profiling.
- Managing end-to-end credit appraisal processes for secured and unsecured lending, ensuring alignment with internal policy and regulatory standards.
- Collaborating with relationship managers, underwriters, and risk teams to structure viable credit solutions that balance business growth with asset quality. Performing detailed due diligence, ratio analysis, and compliance checks before sanctioning loan limits.
- Monitoring portfolio health and proactively identifying early warning signs to minimize delinquency and maintain credit hygiene.
Manager Finance & Accounts
Abhishek Anand & Associates
Ranchi
04.2024 - 01.2025
- Company Overview: (Dipanshu Promoter & builder Pvt. Ltd.)
- Efficiently worked as Audit Assistant, and worked as an effective team member for handling the Statutory Audits & Tax Audit assignments
- (Dipanshu Promoter & builder Pvt. Ltd.)
Deputy Manager
HDFC BANK LTD.
Ranchi
02.2023 - 03.2024
- Detection & Prevention of Risks involved in Retail Asset Finance- Personal Loan/Business Loan/Education Loan/Two-Wheeler Loan/Auto loan/Commercial Vehicle Loan/LAP/ Agri Products/Consumer Durable/Payments Business/ SME Working capital Loans
- Fraud Investigations
- Analysis of Fraud due to process failure and accordingly build system to enhance the process
- Conducting Audit Checks
Education
C.A - FINAL -
ICAI
02.2023
B.COM (Hons.) -
Vinoba Bhave University
Hazaribagh01.2012
XII -
Bihar School Examination Board
01.2009
X -
Bihar School Examination Board
01.2007
Skills
- Successfully completed 100 hours of Information Technology Training in accordance with the requirements of 'The Institute of Chartered Accountants of India'
- Successfully completed 100 hours of Advance Information Technology Training in accordance with the requirements of 'The Institute of Chartered Accountants of India'
- Comfortable in working with various Windows based packages like MS Office and Accounting packages like Tally and Busy Software etc
Accomplishments
- Got appreciation from seniors and from clients during Article ship training
- Got 67% marks in FINANCIAL REPORTING paper of CA Final
- Got 68% marks in accounting paper of CA Intermediate
- Got 83% marks in accounting paper of B.COM(Hons.)
Languages
- Hindi
- English
Working Exposure
- Deputy Manager, HDFC BANK LTD., Ranchi, Jharkhand, Detection & Prevention of Risks involved in Retail Asset Finance- Personal Loan/Business Loan/Education Loan/Two-Wheeler Loan/Auto loan/Commercial Vehicle Loan/LAP/ Agri Products/Consumer Durable/Payments Business/ SME Working capital Loans, Fraud Investigations, Analysis of Fraud due to process failure and accordingly build system to enhance the process, Conducting Audit Checks, 02/01/23, 03/01/24
- Manager Finance & Accounts, Abhishek Anand & Associates (Dipanshu Promoter & Builder Pvt. Ltd.), Ranchi, Jharkhand, Efficiently worked as Audit Assistant, and worked as an effective team member for handling the Statutory Audits & Tax Audit assignments, 04/01/24, 01/01/25
- Credit Manager, IndusInd Bank Ltd., Varanasi, Uttar Pradesh, 02/01/25, Present
PERSONAL DETAILS
- Father's Name: Roy Ranjeet Sahay
- Nationality: Indian
Timeline
Credit Manager
IndusInd Bank Ltd.
02.2025 - 07.2025
Manager Finance & Accounts
Abhishek Anand & Associates
04.2024 - 01.2025
Deputy Manager
HDFC BANK LTD.
02.2023 - 03.2024
C.A - FINAL -
ICAI
B.COM (Hons.) -
Vinoba Bhave University
XII -
Bihar School Examination Board
X -
Bihar School Examination Board
Similar Profiles
Pratyush MishraPratyush Mishra
Chief Manager (Inclusive Banking Group)) at IndusInd Bank Ltd.Chief Manager (Inclusive Banking Group)) at IndusInd Bank Ltd.
ROHIT SWAROOPROHIT SWAROOP
Deputy Vice President-1 at IndusInd Bank Ltd.Deputy Vice President-1 at IndusInd Bank Ltd.
HARISH MENONHARISH MENON
Regional Head-AVP- Debt Collection Management at IndusInd Bank Ltd.Regional Head-AVP- Debt Collection Management at IndusInd Bank Ltd.
FATAH GAUSFATAH GAUS
Sr. Service Engineer at Werfen (Instrumentation Laboratory India Private Limited)Sr. Service Engineer at Werfen (Instrumentation Laboratory India Private Limited)
AKASH RAJAKASH RAJ
Bridge Engineer at L N Malviya Infra Projects Pvt LtdBridge Engineer at L N Malviya Infra Projects Pvt Ltd