Vikash Kumar Jha
Credit Manager in HDFC Bank | Credit Risk | Risk Analyst | Financial Analyst | Chartered Accountant Nov 22 | B. Com(H) in Finance
- Role
- Credit Risk Manager at HDFC Bank Limited
- Location
- Kolkata, WB, IN
- LinkedIn followers
- 500 followers
About Vikash Kumar Jha
Chartered Accountant with 3+ years of experience in SME Credit Underwriting, Working Capital Assessment, Financial Analysis, and Risk Management within the banking and manufacturing sectors. Proven expertise in handling ₹398+ Cr credit portfolios, preparing Credit Appraisal Memorandums (CAM), evaluating borrower risk, and ensuring regulatory compliance. Strong background in GST, Audit, MIS, and ERP systems (SAP, Tally) with a results-driven approach to credit decision-making.
Experience
Credit Risk Manager
Feb 2025 — Present · Kolkata, IN
Manage and monitor SME credit portfolio of F398 Cr across 158 clients, ensuring asset quality and compliance. In which delinquency management to identify stress and upcoming npa account and take early action to those accounts are the major area to Take care.• Conduct detailed financial analysis, assessing cash flows, balance sheets, and profitability to evaluate creditworthiness.• Prepare comprehensive Credit Appraisal Memorandums (CAM) covering business profile, industry risk, financial strength, and mitigation strategies.• Evaluate key credit parameters including DSCR, liquidity ratios, leverage, and debt-servicing capacity.• Coordinate with relationship managers, legal, and operations teams to ensure timely sanction and disbursement.• Ensure adherence to internal credit policies and RBI regulatory guidelines.• Managed trade credit facilities (LCs, BGs, OD/PCFC, buyer\'s credit) for corporate clients, ensuring adherence to approved credit limits and sanction terms.• Reviewed and approved day-to-day trade transactions in line with internal credit policy, risk appetite, and delegated authority matrix.
Education
Tantia High School - India
Higher Secondary, Business/Commerce, General
University of Calcutta
Bachelor of Commerce - BCom, Accounting and Finance
The Institute of Chartered Accountants of India
Chartered Accountant, Accounting and Finance Taxation Cost Decision making and Risk Management
2015 — 2022
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