Kuntal Dash
HDFC Bank Ltd.| PPO holder at UPL Ltd. | Student Placement coordinator CCS NIAM | AGROVON Committee | PGDM (ABM) 2021-23, C.C.S NIAM, Jaipur
- Role
- Credit Manager at HDFC Bank Limited
- Location
- Purulia, WB, IN
- LinkedIn followers
- 500 followers
Experience
Credit Manager
Jan 2024 — Present · Bhagalpur, IN
Credit Manager | HDFC Bank Ltd.Responsible for credit appraisal, risk management, and portfolio monitoring for large-ticket loan proposals while ensuring asset quality and regulatory compliance.Key Responsibilities:Underwrite and process large ticket size loan proposals sourced by Relationship Managers by assessing borrower creditworthiness, financial strength, cash flows, and risk parameters.Manage and monitor portfolio ensuring strong portfolio hygiene through continuous review, early warning signal identification, and proactive risk mitigation.Coordinate with external vendors, including advocates and property valuers, to complete legal and technical due diligence for secured lending.Review and evaluate property valuation reports, legal opinions, and collateral documentation to support sound credit decisions.Track portfolio performance and take timely corrective actions to minimize delinquencies and credit risk.Prepare and manage detailed portfolio MIS, providing accurate and timely insights to senior management.Ensure strict adherence to internal credit policies, risk frameworks, and regulatory guidelines.
Education
Ramakrishna Mission Vidyapith, Purulia
12th, Physics, Chemistry, Mathematics, Biology
2015 — 2017
Shri Guru Ram Rai University
B.Sc.(Hons.) Agriculture, Agriculture
2017 — 2021
C.C.S National Institute of Agricultural Marketing, Jaipur
PGDM (ABM) 2021-23, Agri Business Management
2021 — 2023
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