Pranaydeep Jana
Credit Risk Professional | Seeing the economy from close quarters
- Role
- Credit Manager at HDFC Bank
- Location
- Kolkata, WB, IN
- LinkedIn followers
- 500 followers
About Pranaydeep Jana
I am a self-motivated, energetic, hard-working and goal-oriented person who can work and…
Experience
Credit Manager
Sep 2025 — Present · Durgapur, IN
Assessing all types of LAP cases such as LARR, DOD and TLs for SENP of SME segment and MCG. Also decisioning SEP and salaried profilesLooking after Durgapur-Asansol, Kharagpur-Midnapore, Tamluk-Contai industrial belts and rest of South Bengal other than KolkataDecisioning cases of average ticket size of around 500LManaging and training a team of CPAs, CCPAs and vendorsConducting PD and site inspectionsThorough financial, business, management and industry risk analysis and preparation of high quality credit notes and CAM to assess the degree of riskIn-depth property inspection of clientsConducting dedupes and necessary checks of clientsDecisioning or recommending doable proposals to higher authorities which are out of CADStudying legal and technical reports of propertiesTracking the current developments in different industries and studying industry research reports from CRISIL, CMIE, IBEF and other agencies for better case decisioningWorking closely with sales teams for closing pendency and deferrals and channeling smooth disbursementsTraining sales team to help maintain a healthy sanction to rejection ratio and onboard clients as per the desired risk appetiteConducting vendor auditsTaking necessary actions and solving audit dicrepenciesMinimizing and analysing PAR and defaulting customers to maintain a healthy portfolioMaintaining FTDR and decision TAT
Education
Manipal Academy of Higher Education
Postgraduate Degree
2019 — 2020
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