Anwesha Chatterjee
@anweshachatterjee1
I lead credit appraisal and portfolio risk management across retail, SME, and mortgage lending.
IndiaWhat I'm looking for
At Union Bank of India, I lead end-to-end credit appraisal and underwriting for retail, SME, and mortgage lending, from borrower assessment and cash-flow analysis to risk grading and sanction recommendations.
I manage and monitor a retail asset portfolio exceeding INR 500 Crores, using exposure monitoring, Early Warning Signals, delinquency analysis, and portfolio reviews to protect asset quality. I increased personal lending business by 25% while maintaining prudent credit risk standards and contributed to a Top-20 national regional ranking.
I'm expanding my capabilities in Python, SQL, Power BI, financial analysis, and FinTech to support data-driven credit decisioning, portfolio analytics, risk transformation, and digital lending initiatives.
Experience
Work history, roles, and key accomplishments
RAM Credit & Risk Manager
Union Bank of India
Apr 2021 - Present (5 years 5 months)
Leading end-to-end credit appraisal and underwriting for retail, SME, and mortgage lending. Managing a retail asset portfolio exceeding INR 500 Crores, ensuring portfolio quality through risk assessment and proactive reviews.
Deputy Branch Head
Union Bank of India
Jun 2019 - Mar 2021 (1 year 9 months)
Managed branch credit operations, loan origination, documentation, and lending processes across retail and SME portfolios. Strengthened portfolio monitoring, exposure tracking, and asset quality through continuous risk assessment.
Assistant Manager
Union Bank of India
Jul 2016 - May 2019 (2 years 10 months)
Supported retail and SME credit processing, underwriting, borrower due diligence, and documentation verification. Assisted in preparing credit proposals and financial assessments in line with internal credit policies.
Education
Degrees, certifications, and relevant coursework
Narsee Monjee Institute of Management Studies
MBA, Finance
MBA in Finance from Narsee Monjee Institute of Management Studies, Mumbai, completed in 2024.
University of Calcutta
B.Tech., Electronics & Communication Engineering
B.Tech. in Electronics & Communication Engineering from the University of Calcutta, Kolkata.
University of Calcutta
B.Sc. (Hons.), Physics
B.Sc. (Hons.) in Physics from the University of Calcutta, Kolkata.
Tech stack
Software and tools used professionally
Availability
Location
IndiaAuthorized to work in
Social media
Job categories
Skills
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