Vasav Santhosh
CMA (India) || Credit Manager CTG @ HDFC Bank
- Role
- Credit Manager- Ctg at HDFC Bank
- Location
- Kochi, KL, IN
- LinkedIn followers
- 500 followers
About Vasav Santhosh
Certified Cost and Management Accountant (CMA) with 1+ years of experience in making numbers behave — whether that means underwriting ₹50 Cr+ loans, auditing costs into submission, or making Excel spreadsheets do backflips.Currently working as a Credit Manager – Commercial Transportation Group at HDFC Bank, where the mission is simple: assess credit risk like a hawk, ensure compliance like a watchdog, and still have time left to enjoy a cup of coffee without thinking about NPAs.Career foundation includes:Diving deep into stock & receivables auditsFiling GST and TDS returns with near-Olympic precisionSpotting risk and opportunity in balance sheets faster than you can say \"depreciation\"Graduated in Financial and Cost Accounting (IGNOU) and officially became a CMA in 2023 — after surviving a fair share of cost sheets and tax tables.Specialties include:Credit Appraisal & Loan UnderwritingPortfolio Risk MonitoringCost Optimization using CAS (aka cost-saving wizardry)Audit & Compliance (keeping the finance gods happy)Fluent in: Advanced Excel (a second language at this point), Tally ERP, and reading 100-page financial statements without crying.Languages spoken: English, Hindi, Malayalam, Tamil (and fluent in “Audit Speak”)Industry fluency: Banking, Manufacturing, Trading, ServicesOpen to connecting with fellow finance pros, audit enthusiasts, and anyone else who enjoys a well-formatted ledger. Let’s chat if you’re into credit risk, cost control, or the magic of clean books.
Experience
Credit Manager- Ctg
Feb 2024 — Present · Kochi, IN
Underwriting ₹50 Cr+ commercial loan proposals with deep analysis of financial statements, guarantor credentials, and risk profiles- Created 100+ detailed credit appraisal reports, directly supporting internal credit decisions and reducing risk exposure- Improved risk grading through both qualitative and quantitative models, reducing NPA potential via early warning systems- Collaborated with cross-functional teams for due diligence and regulatory compliance per RBI and internal policies.
Education
Institute of Cost Accountants of India
Accounting and Finance
2019 — 2023
Indira Gandhi National Open University
Bachelor of Commerce, Financial and Cost Accounting
2019 — 2021
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