Sushant Pandey
Credit Manager
Kolkata,West Bengal
Summary
Results-oriented Credit Manager with a proven track record in financial statement review, auditing, and reporting. Proficient in generating detailed reports, optimizing department operations, and overseeing month- and year-end closings. Renowned for a meticulous, conscientious, and methodical approach. Exceptionally organized and reliable, adept at juggling multiple priorities with a proactive attitude. Demonstrates a strong commitment to taking on additional responsibilities to drive team success.
Overview
9
9
years of professional experience
2
2
Certification
Work History
Credit Manager
ICICI Bank Limited
06.2023 - Current
- Scrutinizing credit applications with a detailed approach to uncover and address potential risks
- Elevating the accuracy of credit assessments, accelerating the loan application workflow, and reducing turnaround time by 50%, leading to enhanced customer satisfaction
- Aggregating loan officer insights to inform data-driven analysis, streamlining the underwriting process and yielding considerable time savings in application reviews
- Instituting strategic risk mitigation measures, conducting vigilant monitoring, and implementing appropriate credit risk alleviations to decrease credit default rates
- Overseeing a team of CPAs and enhancing data entry accuracy, achieving a 20% decrease in turnaround time and significantly reducing errors.
Senior Co-Worker Finance
SOS Childrens Villages of India
07.2022 - 05.2023
- Voucher preparation, GL and Bank Book keeping, monthly reconciliations
- Fund planning- transfer of monthly budget; controlling payables
- Salary processing, maintenance of records for EPF, pension, etc.
- Achieved full compliance with the Foreign Contribution Regulation Act in accordance with organizational guidelines
- Ensuring the timely completion of statutory audits and the accurate finalization of accounts for the calendar and financial year
- Formulated a budget with 10% savings from the prior year, while upholding expenditure objectives proficiently
Senior Executive Finance
Tega Industries Limited
10.2017 - 06.2022
- Established centralized financial oversight for export incentives, resulting in an annual accrual of INR 120 million for the organization
- Controlling the accounts in SAP and monthly reconciliations
- Represented the organization in sales tax/VAT assessment, yielding a refund of INR 25 million from commercial tax authorities
- Facilitated the issuance of E1 forms from the sales tax department, enabling the collection of C forms valued at INR 430 million
- This initiative resulted in tax liability savings of INR 8.6 million
- Successfully deployed systems in conjunction with banking partners to resolve pending EDPMS and IDPMS from FY 2011-12
- Achieved prestigious Authorized Economic Operator (AEO) Tier 1 status, enhancing the organization's reputation for reliability and compliance
- Aided the treasury manager in fund planning and optimizing working capital management strategies
- Played a crucial role in crafting the process flow for bank realization certificate issuance
- Skillfully executed LC/LC advising for import and export activities, maintaining rigorous compliance with FEMA standards
- Executed A1 and A2 payment processing, delivered effective disposal instructions for timely export remittance credits, and managed trade finance with expertise
Audit Assistant
M/s M. Satnaliwala and Co
06.2014 - 01.2017
- Performed statutory audits, tax audits, VAT audits, and audits for diverse entities, including trusts and NBFCs
- Created year-end financials, statutory audit reports, and tax audit reports
- Submitted income tax returns and TDS returns, promptly and accurately
- Supported in income tax assessments with both the Income Tax Department and the Appellate Tribunal.
Artricleship Training
M/s P.K. Ajitsaria & Co, Chartered Accountants
08.2007 - 02.2011
Education
CA Inter -
The ICAI
05.2012
B.Com (Hons) -
University of Calcutta
2009
Skills
- Credit Reports
- Research and Due Diligence
- Fraud Understanding
- Risk Assessment
- Policy Implementation
- Auditing and Compliance
- Process Improvement
- Proactive and Focused
- Willing to Learn
- Customer Service
Certification
Certificate in Credit Skills for Bankers- Retail Lending
Investment Banking Certificate from Udemy
References
- Mr Rajendra Mishra, Manager- M. Satnaliwala and Co, 78908 64882
- Mr Subrata De, Manager - Taxation - Tega Ind Ltd, 98314 51959
- Mr Amar Jyoti Sarmah, Zonal Director - SOS Childrens Villages of India, 99994 76702
- Ms Vidya Nambiar, Regional Credit Manager - ICICI Bank Ltd, 97622 65215
Languages
English
Hindi
Bengali
Hobbies and Interests
- Travel
- Music
Timeline
Credit Manager
ICICI Bank Limited
06.2023 - Current
Senior Co-Worker Finance
SOS Childrens Villages of India
07.2022 - 05.2023
Senior Executive Finance
Tega Industries Limited
10.2017 - 06.2022
Audit Assistant
M/s M. Satnaliwala and Co
06.2014 - 01.2017
Artricleship Training
M/s P.K. Ajitsaria & Co, Chartered Accountants
08.2007 - 02.2011
CA Inter -
The ICAI
B.Com (Hons) -
University of Calcutta
Certificate in Credit Skills for Bankers- Retail Lending
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