Sankhipta Kumar

Results-oriented credit underwriting professional with extensive experience in risk management and credit risk assessment. Proven track record in loan sanctioning and implementing credit strategies that enhance business growth. Expertise in team leadership, financial analysis, and policy development, leading to significant revenue increases. Strong decision-making and negotiation skills, effectively managing stakeholder relationships and optimizing credit controls.

ASSISTANT MANAGER CREDIT - Arohan Financial services ltd - Kolkata, India

(2025-09)

• Underwrite secured and SME loan proposals up to ₹1 crore, primarily through GST surrogate-based assessment.
• Handle centralized credit underwriting at Head Office, including process deviation cases and HTS/MEL cases.
• Conduct detailed financial analysis covering GST returns, cash flows, Profit & Loss statements, and bank statements.
• Assess borrower repayment capacity, financial strength, business performance, banking behavior, and overall creditworthiness.
• Underwrite BC funding proposals and evaluate the quality of the company's loan portfolio.
• Monitor and assess portfolio quality, delinquency trends, and NPA exposure.
• Prepare detailed Credit Appraisal Memorandums (CAMs) with appropriate risk assessment and recommendations for approval.
• Ensure compliance with credit policies, underwriting guidelines, risk parameters, and approval conditions.

AREA CREDIT MANAGER - Ananya Finance For inclusive growth Ltd

(2023-08 - 2025-08)

• Sanctioned loans based on client eligibility and risk assessment. Unsecured and Secured Loan LAP
• Analyzed financial statements and credit data, like GSR, ITR, and bank statement.
• Loan Approval
• Monitored economic and industry trends, adjusting credit strategies to mitigate potential impacts on portfolio risk.
• Determined approval or disapproval based on accepted risk profiles.

RISK MANAGER - Atyati Technologies Pvt Ltd-SIDBI - Bhubaneswar, India

(2020-12 - 2023-06)

• Led a team of 5+ members, driving project completion within strict deadlines and quality standards.
• Designed and implemented audit plan addressing specific regional risk management needs
• Submit audit report to H O
• Conducted thorough pre-audit analyses enhancing disbursement processes

CREDIT MANAGER - Sambandh Finserv PVT LTD - Bhubaneswar, India

(2019-09 - 2020-12)

• Executed loan origination process by ordering credit reports, conducting appraisals and reviewing preliminary title reports
• KYC and CPV verification of Customer Determined approval or disapproval based on accepted risk profiles
• Educated customers about conditions of credit and loans, repayment requirements and loan periods.

BRANCH MANAGER - Satin Credit care network LTD & Nabfins ltd - Bhubaneswar, India

(2017-07 - 2019-08)

• Handling 13 Cr Portfolio In Branch with 6 staff Monitoring CGT, GRT, Loan Disbursement and Collection of all Branch Prepare business data and staff performance data every week

Master of Business Administration - Finance - Dy Patil Vidhyapitha (2016)

Bachelor of commerce - Accounting - Utkal University (2012-01)