Sourav Pandey

Chartered Accountant and Credit Manager with 2+ years of experience in SME and Working Capital Credit Underwriting at ICICI Bank. Experienced in underwriting 20–25 proposals monthly, exercising sanctioning authority up to ₹1 Cr, and independently evaluating/recommending facilities involving exposures up to ₹30 Cr. Currently manage a diversified credit portfolio of approximately ₹100 Cr.

Strong expertise in financial statement and CMA analysis, cash-flow assessment, DSCR, leverage, liquidity and interest coverage, credit structuring, risk mitigation, borrower due diligence, site visits, portfolio monitoring, and EWS.

Credit Manager - ICICI Bank - Guwahati

(2024-06)

• Credit Underwriting: Underwrite 20–25 SME working capital proposals monthly across CC, OD, Term Loan, BG, and LC, with ownership of credit decisions and sanctioning authority up to ₹1 Cr.
• End-to-End Appraisal: Assess financial statements, CMA, cash-flow forecasts, and key indicators (DSCR, leverage, liquidity, interest coverage) to evaluate repayment capacity.
• Exposure & Portfolio: Independently evaluate and recommend facilities involving exposures up to ₹30 Cr; currently manage an ~₹100 Cr portfolio across manufacturing, trading, healthcare, services, and government contractors.
• Credit Risk & Structuring: Identify business and financial risks and structure mitigants including collateral, guarantees, covenants, and escrow mechanisms.
• Due Diligence & Monitoring: Conduct borrower due diligence and site visits; monitor portfolio risk and early warning signals (EWS).
• Turnaround Time & Mentoring: Partnered with Relationship Managers and credit teams to deliver faster, consistent credit decisions and improved proposal turnaround time (TAT). Train and mentor new team members and review proposals before recommendation.

Assurance Consultant - EY GDS - Kolkata

(2023-11 - 2024-04)

• Audit & Assurance: Managed balance confirmation processes for 20+ clients, improving completeness and reliability of audit evidence; prepared/reviewed audit working papers, lead schedules, and financial statements.
• Audit Readiness & Compliance: Maintained audit documentation in full compliance with applicable standards/regulatory requirements and supported statutory audit conclusions through analytical procedures and reconciliations.

Article / Paid Assistant - UK Rathi & Co - Guwahati

(2018-05 - 2022-09)

• Audit & Tax Execution: Executed tax audits for 50+ corporate and non-corporate assessees with on-time delivery; conducted statutory, internal, and tax audits across manufacturing, construction, pharmaceuticals, education, and charitable organisations.
• Financial Reporting & Regulatory Compliance: Prepared standalone and consolidated financial statements ensuring accuracy and compliance; managed ROC filings including AOC-4, MGT-7, and DIR-3 KYC with timely submissions.
• Bank Audit: Supported Statutory Branch Audit of Bank of India and Concurrent Audit of State Bank of India.

Chartered Accountant - ICAI (2023)

B.Com (Hons.) - Gauhati Commerce College (2018)

Class XII - AHSEC (2015)

Class X - SEBA (2013)