1. ABHISHEK AGARWAL
ACA, CS, B. Com (H)
Qualified CA and Qualified CS with 2.5 Years of post qualification work experience in banking industry In
the Field of Underwriting and Analysis. A keen credit analyst with distinction in analyzing, reviewing,
understanding the quantum of risk in financing that leads to a healthy bank exposure. Demonstrated
excellence in ensuring all the policies and regulations is being adhered to. Involved in the Process
Improvements of the activities for timely completion of work effectively. Strong set of Customer skills,
Leadership skills, team player, and a problem-solving attitude.
HDFC Bank, Kolkata (April 2015- Present)
Credit manager Wholesale Credit Risk (Manager)
Key Responsibilities Include:
Credit analysis and appraisal of cases for financing/funding SME sector with Trade and Working capital
facilities fund based and non-fund based requirements (enterprises having turnover more than Rs 7.5 Crore
and Below Rs 200 Crore)
Detail analysis of the credit proposals with adherence to credit processes leading to proper assessment of
proposals within acceptable risk parameters & within pre specified TAT.
Monitoring health of portfolio (312 customers of Asset size of 323.45 Crore) including close watch on
delinquencies, adherence to covenants placed at the time of assessment, anomaly if any, early warning
signals, conduct of stock audits in a timely & satisfactory manner, timely exit of accounts identified for exit
Analysis of the case financials, banking account, business model, promoter's background etc. Meeting the
customers to reaffirm business model, financial strength, market reputation.
Contact with customers & Branches are regular to maintain desirable profile of customers wherein the
antecedents, promoters background checks, commercial Cibil and past conduct is thoroughly checked before
sanction and disbursing of exposure.
To ensure highest level of Portfolio Quality in the area. To highlight concern in various markets and take
remedial action with help of other stake holders Business / Collection /Policy / Product / Audit etc :
Stock Audit agencies are provided specific account related noting to work upon during the Audit process,
which can provide an Early Warning Signal to us.
Level Year Institution Performance
FINAL Nov, 2014 The Institute of Chartered Accountants
IPCC May, 2010 56%
CPT June, 2009 61%
Professional June, 2013 The Institute of Company Secretaries
Executive December, 2011 60%
2. Academic Qualifications
Examination Year School/College Board/ University Performance
B.Com (Hons.) 2012 Umesh Chandra College University of Calcutta 61%
2009 Maria’s Day School I.S.C 92%
Secondary 2007 Maria’s Day School I.C.S.E 85%
Article Trainee at S. Jaykishan (Chartered Accountants), Kolkata (August 2010- February 2014)
(As a part of CA curriculum requirement)
Major assignments where I was involved as a key team member include:-
Name of Client and
Nature of Industry
Howrah Mills Co. Ltd, Jute
Saini Earthmovers Pvt. Ltd,
Analysis of Debtors and Creditors-Ageing, Recovery
Period, Balance Confirmation Procedures and legal
Fixed Assets and Stock Verification & Valuation.
Compliance with the provisions of Income Tax Act,
1961 and preparation of tax audit report.
Prateek Coke Ltd, Textile
Pushkar Banijya Ltd, NBFC
Howrah Mills Co. Ltd, Jute
Checking for compliance made w.r.t. amounts
transferred to Statutory Reserves and reviewing of
net owned fund (NOF) & Non-performing assets
(NPA) classification as per RBI guidelines.
VAT Audit Saini Earthmovers Pvt. Ltd,
KTC Export Pvt. Ltd,
Compliance with the provisions of VAT Laws Act,
1961 such as timely payment, Return Filing, Input
Tax credit taken & preparation of VAT audit report.
Various Companies Preparation and Filing of ROC Forms, Preparing and
verifying Minutes and other statutory registers,
Performing due diligence. Formation of Companies.
Took up varied assignments in different sectors, which provided me the opportunity to:
Obtain exposure on Indian accounting and auditing standards, Companies act and CARO;
Finalization of annual accounts, tax audits, preparation of papers for Income tax scrutiny matters while
performing Statutory Audit & Tax Audits of various companies and firms;
Consolidation of branches for stand-alone financials for limited reviews and financial preparations;
Working Knowledge of Computerized Accounting with various ERP Software such as Tally.ERP (also
Tally 9 & 7.2), ERP, Exactly Gold, Jute Act, Laser soft System.
Microsoft Office (Word, Excel, Power Point), Internet Browsing & Email.
Father’s name : Kamal Agarwal
Address : 493/B G.T. Road, Flower Valley, Block A-2, Howrah – 711102
Date of Birth : 11th
Hobbies & Pursuits : Travelling, Watching Movies.
Language Proficiency : English, Hindi, Bengali