Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 12 years of financial industry expertise.
Hi, I’m
Subrata Dey
Area Credit Manager
Asansol,JH
Summary
Overview
12
years of professional experience
4
Languages
Work History
Cholamandalam Investment & Finance Company
Area Credit Manager
03.2024 - Current
Job overview
- Established strong communication channels between various departments involved in the credit management process, fostering better collaboration and efficiency.
- Streamlined the application review process, resulting in faster credit decisions for clients.
- Optimized the collections process by identifying areas for improvement and implementing best practices accordingly.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Optimized credit approval and collection processes, improving operational efficiencies by 100 %.
- Enhanced team productivity by providing regular training sessions on credit management topics.
- Reduced delinquency rates with consistent monitoring and timely follow-ups on overdue accounts.
- Provided exceptional customer service while resolving disputes or addressing inquiries related to payment terms, or other financial concerns.
- Managed a diverse portfolio of clients, maintaining low delinquency rates through proactive account management.
- Handles the entire West Bengal 2 locations like Asansol, Durgapur, Rampurhat, Behampore, Burdwan, Suiri, Bankura, Purulia, Bolpur etc.
- Handle a Team size of 9 persons.
- Looks after two products MLAP- Ticket size of 5 Lac to 50 Lac and Prime LAP- Ticket size of 20 Lac to 7.5 Cr.
HDFC Bank
Credit Manager
08.2021 - 03.2024
Job overview
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
- Mentored junior team members in credit management best practices to enhance overall department performance.
- Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
- Reporting authority for the Management Trainee.
- Handled BL-Unsecured (including SEP)-Ticket Size-3 Lac to 1.25 Cr, BL-Secured-Ticket Size- 11 Lac to 3 Cr.
- Looked after the locations like Entire Odisha and CG.
Ujjivan Small Finance Bank
Cluster Credit Manager
12.2017 - 08.2021
Job overview
- Credit appraisal of all retail loan product like BL, LAP and Overdraft
- Perform Credit Administration including credit appraisals, document verification and loan approval for bank.
- Ensure proper handling of property documents and their submission.
- Manage overall sanction and disbursement process.
- Facilitate collection team discussions to devise recovery strategies.
- Resolve customer issues and delinquent cases and exercise vigilance over slots fraudulence.
- Train continuously on new products and policy updates for credit appraisers and sales team.
- Handling all post sanction formalities including documentation, disbursement and follow up of loan accounts.
- Effectively manage loan portfolio in terms of recovery and regularization of accounts.
- Handle Audit (Internal & External) of loan portfolio and compliance thereof on regular basis.
- Maintain portfolios of lenders and ensure quality of PAR with bank standards.
- Review New and Existing portfolios and identify risk areas.
- Prepare Loan presentations and analyze credit for various financial statements.
- Looked after the locations like Kolkata, Odisha, Assam and Jharkhand.
- Handled ticket size of 10 lac to 5 Cr with team size of 5 persons.
HDB Financial Services
Credit Officer
12.2012 - 12.2017
Job overview
- Files checking for document sufficiency as per the policy.
- Create the file for processing in the tracking systems.
- Handling credit tools such as CAM, reference checks, cash flow analysis.
- Give proper guidance to Branch and Sales team.
- Preparation of Credit Appraisal Memo.
- Forwarding the eligible proposals to Regional Manager for decisioning.
- Coordinate with sales team and BM and ensuring smooth disbursement of loan proposals.
- Updating all the information's in system
Education
ICMAI
from Cost Accounting
University Overview
Sikkim Manipal University Kolkata
MBA from Financial Accounting
04.2001
University Overview
Raj College Burdwan
B.Com(H) from Financial Accounting
04.2001
University Overview
CMS School Burdwan
HS
04.2001
University Overview
Kendriya Vidyalaya Burdwan
SSC
04.2001
University Overview
Skills
Cash Flow analysis
Timeline
Area Credit Manager
Cholamandalam Investment & Finance Company
03.2024 - Current
Credit Manager
HDFC Bank
08.2021 - 03.2024
Cluster Credit Manager
Ujjivan Small Finance Bank
12.2017 - 08.2021
Credit Officer
HDB Financial Services
12.2012 - 12.2017
Sikkim Manipal University
MBA from Financial Accounting
04.2001
Raj College
B.Com(H) from Financial Accounting
04.2001
CMS School
HS
04.2001
Kendriya Vidyalaya
SSC
04.2001
ICMAI
from Cost Accounting
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