Alok Das Email & Phone Number

Credit manager with 09 years of experience in overseeing credit operations, evaluatingcredit risks. Proven ability to manage credit portfolios, analyses financial data, andoptimize credit processes to enhance profitability. Proficient in negotiating paymentterms and maintaining strong relationships with clients. Adept at leading a team toachieve organizational goals and a demonstrated history of reducing delinquencies andimproving overall credit performance.My vision in credit risk management have consistently resulted in improved financialmetrics and strong company-wide collaborations.• Evaluation and granting of home loans, lap, mortgage loans.• Underwriting of HL & LAP cases, personal discussion with the customers.• Analyze the financial statement and financial ratios.• Detailed banking analysis in conjunction with the current year financial numbers.• Measuring financial & operational performances of clients using financial tools like ratios, trend analysis, sales forecasting, budgeting etc.• Effective management and communication with vendors for legal, technical and other vital reports critical to the heath of a given loan funding, thereby understanding the major legal & technical challenges & critical documents related to property.• Reducing branch delinquency and building a good portfolio.

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  National Institute Of Technical And Management Studies

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