Souvik Choudhury
Assistant Vice President- Centre Head - Axis Bank | IMT Ghaziabad | ISB&M | CU | TL- University of Michigan
- Role
- Assistant Vice President Centre Head - Small Business Banking at Axis Bank
- Location
- Siliguri, WB, IN
- LinkedIn followers
- 500 followers
About Souvik Choudhury
Highly analytical and results-driven banking professional with 14+ years of experience, specializing in credit assessment and portfolio management within Wholesale and Business Banking. Expert in evaluating Working Capital and Trade Finance portfolios, with proven ability in financial statement analysis, risk mitigation, and deal structuring to drive sound credit decisions and maintain portfolio quality. Recently completed an Executive MBA (Finance) focusing on financial analytics and strategic decision-making.
Experience
Assistant Vice President Centre Head - Small Business Banking
Apr 2025 — Present
Promoted to Assistant Vice PresidentManaged and reviewed a 420+ Cr Working Capital portfolio, applying stringent credit standards to ensure portfolio quality, optimize yield, and support growthAssess borrower risk through financial statement analysis, industry analysis, promoter background, business model and collateral / security assessment.Utilized portfolio segmentation (industry/product/ticket-size) for risk assessment and strategic business planning.Evaluate financial statement, CMA data, bank statement, GST returns, cash flows and projections to ensure accurate financial analysis and informed decision makingSpearheaded end-to-end credit appraisal and sanctioning processes for working capital proposals.Lead the team of 9 RMs and twelve ROs by providing strategic inputs and plans for deeper market penetrationSupported business planning, target setting and productivity initiatives aligned to regional strategyTrack industry trends and competitor offerings to support pricing, product positioning and client acquisitionIdentified process and operational gaps impacting portfolio performance and business delivery
Education
Indian Institute of Banking and Finance
JAIIB, Banking and Financial Support Services
IMT CDL Ghaziabad
PGDM-Executive ( Online ), Major - Finance
International School of Business & Media
MBA ( Regular ), Major- Marketing , Minor - Retail
2009 — 2011
University of Calcutta
B.Sc ( HONS ), Microbiology and Immunology
2005 — 2008
Balurghat High School
Intermediate, Physics, Biology, Chemistry, Mathematics
Skills
- Loans
- Deal Sourcing
- Field Investigations
- Risk Financing
- Collections
- Marketing
- Persuasion
- Erp
- Customer Satisfaction
- Field Investigation
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