Tanmoy Ghosh
Credit Manager
Kolkata,WB
Summary
- Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
- Astute Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth, and bottom line profitability.
Overview
14
14
years of professional experience
Work History
Credit Manager
Bandhan Bank Ltd
Kolkata
01.2023 - Current
- Managed credit risk assessments for new and existing clients.
- Review and decision-making of Business Loan and Personal Loan files.
- Analyzed financial statements and credit reports to assess the creditworthiness of borrowers.
- Personal discussion with a customer of high-value ticket size of salaried cases above 15 lacs, and SENP cases of above 25 lacs.
- Identified areas of potential risk associated with lending decisions.
- Taking care of audit queries and maintaining good audit score. Taking care of the collection of front-end cases and maintaining the portfolio.
- Monitored portfolio performance by analyzing delinquency trends, loss severity levels.
- Conducted regular reviews of outstanding accounts for collection purposes.
- Manage CPV agency.
- Maintained the proper turnaround time (TAT) of the sanctioned file for the organization's profitability.
- Ensured compliance with regulatory requirements, internal policy, and audit parameters.
Branch Credit Manager
HDB Financial Services
Kolkata
02.2017 - 12.2022
- Credit Management (Risk Analysis/Credit Approval): Performed an analytical review of the financial statements, along with the variance analysis of the Profit and Loss account and the Balance Sheet, trend analysis, and ratio analysis.
- Handling the end-to-end process from the login of files, underwriting, and up to the stage of final disbursement and closure of all PDD.
- Trained and mentored junior staff on credit policies and procedures.
- PD (Personal Discussion) with the customer, as per policy.
- Appraising credit proposals and judging the appropriateness of relevant documents for risk mitigation before sanctioning, performing the functions of assessing the creditworthiness of clients.
- Checking the validity and authenticity of the documents furnished by customers.
- Take lending decisions based on available information and interactions with the clients.
- Close coordination with internal functions like Sales, Branch Banking, RIC, Collections, and Ops, and with external functions like Legal and Technical vendors, CPA, and CPV agency, to maintain a smooth flow of activities at the location.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
CPA Manager in Auto Loan Department
I-Process Services (India) Pvt Ltd
kolkata
08.2013 - 01.2017
- Working as a CPA Manager in the Auto Loan Department of ICICI Bank under the payroll of I-Process Services (India) Pvt. Ltd.
- Documentation checking of login files, as per policy. Process the files as per the Process Rules, and insert the data into the system.
- Preparation of CAM for the sales team to pitch it for credit approval, and sending the rate for pricing approval.
- Initial checking with CIBIL, FI, Finnone, dedupe, and Possidex. Actively reducing TAT and sales error, timely MIS, and information to management, enabling key decision-making.
- Review of files with respect to post-approval documentation. Resolution of discrepancies by coordinating with sales and credit personnel.
- Leading a team to manage a delinquent portfolio of auto loans in Kolkata.
CPA Executive in CV and PC Loan Department
E-NXT FINANCIAL LIMITED
Kolkata
09.2011 - 08.2013
- Working as a CPA Executive for Tata Motors Finance Ltd under the payroll of E-NXT FINANCIAL LIMITED, a Tata enterprise.
- Documentation checking and login files, preparation of CAM for the sales team to pitch it for credit approval.
- Preparation of MIS and reporting to immediate managers on a daily basis, working in Excel for validating the customer details (financial, track, and banking).
- Documentation checking before pre-disbursement, with supporting documents and CAM, with credit approval.
- Processing of CV and PC loans under the SAP [CRP and R3P] environment independently.
Education
PGDBA - Finance
SCDL
Pune01.2021
B.Com (Hons) - Accounting
Dum Dum Motijheel Rabindra Mahavidyalaya
Dum Dum - Kolkata01.2008
Higher Secondary - Commerce
WBCHSE
Dum Dum - Kolkata01.2005
Secondary -
WBBSE
Dum Dum01.2003
Skills
- Credit risk assessment
- Financial statement analysis
- Loan processing
- Underwriting expertise
- Credit analysis
- Finnone
- Microsoft Office – Word
- Excel
- Outlook
Personal Information
- Date of Birth: 05/10/87
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Hobbies and Interests
- Listening to music.
- Travelling.
- Reading story book.
Disclaimer
I hereby declare that the above-furnished information is true & correct to the best of my belief & knowledge.
Languages
- English
- Hindi
- Bengali
Qualification Summary
- PGDBA, SCDL, 2021
- B.Com (Hons), Calcutta University, 2008
- Higher Secondary, WBCHSE, 2005
- Secondary, WBBSE, 2003
Accomplishments
Promoted as Credit Relationship Manager in HDB Financial Services (January 2019 – March 2022).
Timeline
Credit Manager
Bandhan Bank Ltd
01.2023 - Current
Branch Credit Manager
HDB Financial Services
02.2017 - 12.2022
CPA Manager in Auto Loan Department
I-Process Services (India) Pvt Ltd
08.2013 - 01.2017
CPA Executive in CV and PC Loan Department
E-NXT FINANCIAL LIMITED
09.2011 - 08.2013
PGDBA - Finance
SCDL
B.Com (Hons) - Accounting
Dum Dum Motijheel Rabindra Mahavidyalaya
Higher Secondary - Commerce
WBCHSE
Secondary -
WBBSE