---
title: "Girish Chandra Kar - Marketing Trainee in Puri | Tal"
description: "Meet Girish Chandra Kar, MBA-IIM | Ex-Manager - BOI | CAT 98.34%ile | Credit Risk · Equity Research · Investment Banking | Open to Finance & Consulting Roles based in Puri."
image: "https://tal.club/meet/girish-chandra-kar/share-image"
---

# Girish Chandra Kar on Tal

## 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

[View the original profile](https://tal.club/meet/girish-chandra-kar)

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