Nirupam Agarwal
Area Credit Manager | Unsecured Business Loans | Credit Risk & Underwriting | Driving ₹80 Cr+ Monthly Sanctions | Ex-HDFC, Aditya Birla, Hero Fincorp | MBA – Liverpool Business School
- Role
- Area Credit Manager at Poonawalla Fincorp
- Location
- Kolkata, WB, IN
- LinkedIn followers
- 500 followers
About Nirupam Agarwal
Seven years. Three marquee institutions. One consistent obsession — building credit teams…
Experience
Area Credit Manager
Nov 2022 — Present · Kolkata, IN
Lead underwriting & credit risk management for Unsecured Business Loans (UBL) across Eastern India. • Drive ₹80 Cr+ monthly sanctions while maintaining 100% TAT adherence. • Conduct portfolio stress testing & industry risk analysis for states: WB, Assam, Bihar, Jharkhand, Odisha. • Implemented digital underwriting (Lentra) and strengthened policy feedback loops to reduce turnaround time & improve decisioning. • Partner with sales, risk, and compliance teams to ensure balanced growth and portfolio health. • Awards: Multiple Spot Awards & Victor Award (FY24) for exceptional performance.
Education
Liverpool Business School
Master of Business Administration - MBA, Business Administration and Management, General
2022 — 2023
University of Calcutta
Bachelor of Commerce (B.Com.), Business/Commerce, General
2011 — 2014
Institute of Management Technology, Ghaziabad
Postgraduate Degree, Business Administration and Management, General
2021 — 2022
The Institute of Chartered Accountants of India
CA Inter
Skills
- Basketball
- Auditing
- Communication Skills
- Financial Analysis
- Internal Audit
- Tax Returns
- Accounting
- Microsoft Word
- Tax
- Microsoft Office
- Convincing Power
- Financial Accounting
- Financial Reporting
- Management
- Powerpoint
- Microsoft Excel
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