My tenure as Area Sales Manager in Kolkata further solidified my skills in credit management, sales, and business development. I managed to disburse an impressive Rs 35crs annually in Passenger Vehicle loans across three branches. I take immense pride in the fact that, under my leadership, we maintained delinquency levels below 2% of our portfolio size, showcasing my commitment to risk assessment and financial analysis. Furthermore, my experiences as Area Credit Manager, Credit Underwriter, and Credit Analyst have honed my proficiency in credit management, loan documentation, investigation analysis, risk assessment, and financial analysis. The "Star Performer" recognition during my tenure as a Credit Analyst and my consistent achievements as an Area Sales Manager stand testament to my dedication and results-driven approach.