Prasenjit Goon
Credit Manager at HDFC Bank (Wholesale Banking Group)| PhD Scholar (Embedded Finance)
- Role
- Credit Manager at HDFC Bank
- Location
- Guwahati, AS, IN
- LinkedIn followers
- 500 followers
About Prasenjit Goon
Banking professional with experience in credit appraisal, risk assessment, and relationship management in the Indian banking sector. Currently working as a Credit Manager at HDFC Bank, handling credit evaluation, financial analysis, and decision-making for retail and business banking portfolios.Skilled in analysing financial statements, assessing business viability, evaluating cash flows, and identifying credit risks to ensure quality asset creation. Experienced in managing customer relationships, compliance requirements, regulatory compliance, and maintaining portfolio health while supporting business growth.Alongside professional banking experience, I am pursuing a PhD in Business Administration from Assam University with research focused on “Embedded Finance by Indian Commercial Banks: A Study with Special Reference to Assam.” My research explores digital financial ecosystems, embedded finance adoption, and their impact on customer acquisition and banking performance.With a strong blend of practical banking exposure and academic research orientation, I aim to contribute to modern, technology-driven banking by combining analytical thinking, risk management expertise, and customer-centric financial solutions.
Experience
Credit Manager
Apr 2021 — Present · Guwahati, IN
Assessing the creditworthiness of Business before issuing any type of credit limit /Working Capital. This includes evaluating credit reports, earning statements, bank records and tax returns.* Approving or rejecting loan requests upto Rs.15 crore based on credibility and potential revenues and losses* Ensure all lending procedures comply with Company Policy * Maintain records of loan applications* Ensure timely renewals* Maintaing the Overall TAT*Entrusted with Sanctioning Power of Rs.3 cr with individual sanction power of Rs.1 cr
Education
Ramanuj Gupta Junior College
12th (HSSLC), Commerce
2010 — 2012
Silchar Collegiate School
10th (HSLC), Matriculation
1998 — 2010
Assam (Central) University
Master of Business Administration - MBA, Marketing and finance
2015 — 2017
Gurucharan College (GC College), Silchar
Bachelor of Commerce - BCom, Business Management
2012 — 2015
Assam (Central) University
Doctor of Philosophy - PhD, Embedded Finance
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