Summary
Overview
Work History
Education
Skills
Interests
Timeline
Generic
Pallab Ghosh

Pallab Ghosh

Gengenbach

Summary

Independent, Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. 10+ years of experience in banking industry and adept at analyzing financial statements. Conducting market research and ad-hoc analyses and providing strategic Financial Recommendations.

Overview

11
11
years of professional experience

Work History

Chief Manager

Bank of Maharashtra
04.2021 - 01.2023
    • Managed portfolio of INR 3000 million focusing on increasing wallet share by cross-selling Relevant business products
    • Prepared Credit appraisal notes by understanding clients detailed financials, and collaborating with risk and due diligence team
    • Led successful cost-saving initiatives, reducing expenses while maintaining quality standards
    • Analyzed opportunities of new investments and prepare appraisal notes recommending investment to higher authorities
    • Improved communication across departments, fostering collaboration and enhancing overall operational effectiveness
    • Ensured overall sales capability keeps pace with business needs, is aligned to banking strategy and reflects compliance and governance requirements
    • Prepared statements pertaining to audit and handle Concurrent and Statutory auditors of branch independently
    • Following up with Legal advisors and Asset Reconstruction Companies for faster recovery in respect of Security Receipts held
    • High sense of responsibility in managing teams and sensitive Data

Senior Manager, Credit Analyst

Bank of Maharashtra
07.2017 - 03.2021
    • Processed Loan applications for Retail, MSME, Mid-corporate, and Medium Trading
    • Contributed to growing portfolio by 300-350 million in four years by actively seeking referrals from existing clients, participating in trade and retail expos, making cold calls and visiting prospective businesses
    • Led team of 12+ officers and associates of multicultural background, mentored two of them were promoted as credit officers
    • Performed techno-economic viability analysis and risk assessment of over 15 large scale industrial projects in diverse sectors including tourism and hospitality, textile, chemical, toll road, and agricultural sector
    • Achieved operational excellence by streamlining processes and implementing best practices.
    • Improved team performance by providing comprehensive training and fostering collaborative work environment.
    • Created strong sales and service culture
    • Quick comprehension and likes to work with people and in teams

Credit Analyst, Manager

Bank of Maharashtra
06.2014 - 05.2017
    • Negotiated with corporate clients to improve pricing including interest rate, upfront fee, processing fee, and documentation charges and improved bank's profitability
    • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
    • Continuously interacted with and interviewed clients to understand and meet their credit requirements in defined timeline, and financial histories and conveyed information regarding application process
    • Performed financial analysis, market research, and due diligence filings materials for potential borrowers.

Deputy Manager, Credit analyst

Bank of Maharashtra
08.2011 - 10.2014
  • Key roles were Credit administration, financial advisor to entrepreneurs and customer relationship management.
  • Improved team efficiency by streamlining processes and implementing innovative management strategies.
  • Managed budgets for various projects, ensuring optimal resource allocation and cost control.

Education

MBA - Finance

IBC- Hochschule Offenburg
Gengenbach, Germany

B-Tech - Electrical and Electronics engineering

Dr MGR University
Chennai, India
06.2009

Skills

    • Advance Analytical Thinking Skill
    • Sales and Marketing
    • Effective Time Management
    • Team leadership
    • Portfolio Management
    • Credit Risk Management
    • Agile project management
    • Corporate Finance
      • Finance & Controlling
      • Microsoft Office applications
      • English proficiency
      • IELTS Band 75
      • Deutsch-A1
      • Risk Management
      • Background in Economics
      • Cash Flow Management

Interests

Completed my Engineering with a first-class degree. Participated in Quiz competitions, singing contests, and inter college cricket championships during my stint at college. Completed an internship programme successfully at Honeywell India Pvt ltd and a training project at Rashtriya Chemicals and Fertilizers, Chembur, Mumbai on PLC, DCS and SCADA. Awarded certificate of merit at Lions Club of Madras for participating in quiz contests Interest: Business & Finance, Reading, Trekking, Cycling.

Timeline

Chief Manager

Bank of Maharashtra
04.2021 - 01.2023

Senior Manager, Credit Analyst

Bank of Maharashtra
07.2017 - 03.2021

Credit Analyst, Manager

Bank of Maharashtra
06.2014 - 05.2017

Deputy Manager, Credit analyst

Bank of Maharashtra
08.2011 - 10.2014

MBA - Finance

IBC- Hochschule Offenburg

B-Tech - Electrical and Electronics engineering

Dr MGR University

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