Sayantan Debnath
Credit Manager @Federal Bank
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WORK HISTORY
Credit Manager @Federal Bank
Kolkata, IN
Led and mentored a team of 5 credit analysts, driving high-quality credit appraisal across Wholesale (Working Capital, Term Loan, LC/BG) and Retail (Business LAP) segments. Oversaw end-to-end credit evaluation and sanctioning, including financial analysis, cash flow assessment, CMA review, and risk rating, enabling informed lending decisions and strong portfolio performance. Managed and monitored a diversified credit portfolio, proactively identifying early warning signals, reducing delinquency risk, and maintaining healthy asset quality with controlled NPAs. Collaborated cross-functionally with business, legal, and risk teams to structure complex deals, streamline approval processes, and ensure compliance with regulatory and internal credit policies. Enhanced team productivity and credit efficiency by implementing process improvements, standardizing appraisal formats, and guiding team members on risk assessment best practices.
EDUCATION
Indian Institute of Banking and Finance
Certified Credit Professional , Credit Management
Indian Institute of Banking and Finance
Certified in SME Finance for Bankers, Credit Management
Manipal Academy of Higher Education
Post Graduate , Banking and Finance
West Bengal University of Technology, Kolkata
Bachelor of Technology - BTech, Electronics & Instrumentation Engineering
ABOUT SAYANTAN DEBNATH
Experienced Credit Analyst and Underwriter with over 11 years in India’s commercial banking sector, specializing in SME, MSME, and retail credit evaluation. Currently working at Federal Bank, I handle end-to-end credit appraisals under delegated lending authority, utilizing systems like OCP, Orion, CACHE, and CCMS. My work has consistently contributed to healthy portfolio quality and minimal NPAs.I bring expertise in structured credit products, financial statement analysis, regulatory compliance, and risk-based lending frameworks. Let’s connect if you’re looking for a seasoned credit professional with hands-on underwriting and credit risk experience across diverse sectors.
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