Headline

MBA-IIM | Ex-Manager - BOI | CAT 98.34%ile | Credit Risk · Equity Research · Investment Banking | Open to Finance & Consulting Roles

About

MBA candidate at IIM Sirmaur (CAT 98.34%ile | DILR 99.69%ile) with nearly 6 years of experience in credit risk, financial analysis, and portfolio management at Bank of India. 🔹 FINANCE: Managed end-to-end credit underwriting across a ₹20 Cr portfolio across 10+ retail and MSME products — maintaining zero NPA slippage through rigorous financial statement analysis, cash flow assessment, and collateral evaluation. Built DCF, EV/EBITDA, and P/B valuation models in academic projects. Completed IBEP (Investment Banking Experience Program) at Finlatics — covering M&A analysis, LBO mechanics, and PE/VC deal frameworks. 🔹 CONSULTING: Strong background in translating financial data into business decisions — evaluated 78+ branches for credit strategy, led risk reviews, and partnered with cross-functional teams to drive compliance and portfolio outcomes. 🔹 MARKETING: Spearheaded B2B market intelligence across 23 industrial sectors at SLTL Group, built OEM prospect databases, designed targeted email campaigns, and applied chi-square consumer research for Dabur India. 📊 Tools: Advanced Excel (DCF models, scenario analysis) | R | Python | LSEG Workspace exposure 🎓 Coursework: Corporate Valuation | M&A | Private Equity & VC | Financial Risk Management | Project Finance 🏅 KPMG Lean Six Sigma Green Belt | Odisha State Rank 10 (Class X) | NRTS State Rank 2 I am actively seeking roles in Investment Research, Equity Analysis, Corporate Finance, Credit Risk, Financial Risk Management, Consulting, or Marketing Strategy. 📩 Open to connect: gckar10@gmail.com

Location

Puri

Work experience

Marketing Trainee at SLTL Group - Sahajanand Laser Technology Ltd, Apr 2025 - Jun 2025 · 3 mos, Remote, ▸ Spearheaded market intelligence project spanning 23 industrial sectors — generated actionable competitive insights to reposition SLTL's fiber laser and IoT-integrated product portfolio for B2B market penetration. ▸ Built OEM prospect database of 30+ high-value global accounts (keg & airbag manufacturers) — enabled data-driven prioritisation of international outreach. ▸ Developed and executed targeted B2B email campaigns, contributing to lead generation pipeline growth and improved prospect conversion rates. ▸ Benchmarked SLTL's product capabilities against global competitors — identified whitespace opportunities and informed product positioning for industrial manufacturing buyers. ▸ Delivered 100% on-time task completion in a remote, cross-functional environment.

Manager - Credit & Risk at Bank of India, Jul 2018 - Apr 2024 · 5 yrs 10 mos, Puri, Odisha, India, ▸ Managed end-to-end credit underwriting for a ₹20 Cr retail & MSME portfolio across 10+ loan products (Home Loan, Vehicle Loan, LAP, Education Loan, PMMY/MUDRA, Gold Loan, LATDR, Personal Loan, Credit Cards etc.) — maintained zero NPA slippage through rigorous pre- and post-sanction monitoring. ▸ Evaluated creditworthiness using financial statement analysis, ratio analysis, cash flow assessment, and collateral verification; approved/rejected proposals in line with RBI master circulars and bank credit policy. ▸ Selected as Team Member, Zonal Retail Business Centre (FY 2021-22) — successfully disbursed sanctioned credit to 78 branches within strict regulatory deadlines. ▸ Proactively identified Early Warning Signals (EWS), initiated SASCL classifications, and negotiated One Time Settlement (OTS) for stressed assets — contained portfolio NPA risk. ▸ Led Key Risk Indicator (KRI) reviews and surprise cash/gold verification audits across multiple branches — ensured internal control compliance. ▸ Managed P&L reconciliation, RBI-mandated currency chest remittances, ATM cash flow, KYC/AML compliance, and government portal updates (CERSAI, CFR, Vidya Lakshmi). ▸ Drove adoption of government-backed investment products (PPF, NPS, SCSS, APY, SGB) and digital banking solutions — consistently achieved DFS targets.

Education

Master of Business Administration - MBA, Finance, Marketing, Operations, IT & Analytics, HR, Indian Institute of Management Sirmaur