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Bikash Kamila
  • Odisha
  • India
  • Credit Analysis, Accounting
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Profile Information

Job Niche Focus or Specialty or Expertise
Credit Analysis, Accounting
Currrent Job Title
Senior Credit Officer
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Post your Resume/CV Summary (4000 words) - This information could be seen by search engines.
My C.V

Bikash Kamila
Mail Id –
Mobile.No. – +91-7987024590

Seeking a profile in mid-level position and excel by leveraging on my own through work experience, interpersonal skills, domain knowledge and organizational acumen.
Looking out for a challenging and rewarding opportunity where I can utilize my skills and knowledge which could contribute to organizational as well as my career growth.
Professional Snapshot:

Professional with 3.8 years experience in entire credit handling, banking operation, team management, client management and sales.
Have performed effectively and efficiently in credit for east region (Chhattisgarh and Orissa).
Proficient in handling quality customer with maintaining business with good records.
Have handled entire credit team of Chhattisgarh.
Have trained team effectively of business and credit team both.
Maintained top monthly audit record in Pan India.
Have achieved assigned target in sales.
Have attended ICICI Bank 1 month training programme at Indian Sales Administration.
Completed training in Marketing and Finance.

Competencies Overview:

1). Organization : Magma Housing Finance Ltd.
Department: Credit
Designation: Credit Operation Executive
Duration: 21th Sep 2017 to Till Date
Location: Balasore, Odisha

Managing 2 departments and 2 products – Credit and Operation for Housing Loan and Loan against Property.
Following the process of Company and ensuring compliance in scrutinizing the sourced case. Finding credibility of the case through different parameters and to decide whether a case is doable or not based upon the laid down parameters of the Finance Company.
To have regular customer visit for understanding there requirements and cultivating relation with them for customer retention and regular payment maintenance.
Imparting product training to the business team at frequent intervals for identifying improvement areas.
Quarterly session with business team for improving and enhancing the quality and quantity of files.

2). Organization: Mahindra Rural Housing Finance Ltd.
Department: Credit.
Designation: Credit Officer
Job Profile: Credit Analysis
Duration: 29th Sep 2016 – 11th Sep 2017.
Location: Bhilai

Have empanelled Lawyers for Housing mortgage process for 8 branches.
Managed Credit analysis for 8 branches.
Have handled team of 8 members.
Have audited Housing loan in Balodabazar, Chhattisgarh
Successfully developed the Housing business in newly started branches with quality business.
Accountable for training to new credit Officers and reverting to audit queries of entire Chhattisgarh region branches.
Streamlined the process of excess documentation for loan disbursement.

3). Organization: ICICI Bank Ltd.
Designation: Officer
Job Profile: Analysis credit portfolio and enhance credit book
Duration: 23th June 2014 – 27th Sep 2016.
Location: Raipur, Chhattisgarh

Started my carrier with ICICI Bank as Credit Officer to start agri sector funding in Chhattisgarh.

Have empanelled lawyers for Agri mortgage process.
Managing 2 departments – Credit and Operation for 3 products - Farm Equipment, Kisan Credit Card, Agri Term Loan.
Conducting the Risk check of the case and sampling of the cases if deemed necessary.
Availing 360 degree feedback of the customers.
Conducting telephonic verification of every single case and cross field investigation of cases on sample base.
Implementing different policies for all round development of organization as well as reducing over all cost of the bank through various means.


Passing Year

ICICI Bank Training (Marketing and Finance)
ITM University
PGDCA (Post Graduation in Diploma and Computer Application)
B.A (English)
S.S College, Amarda, Balasore
F.M University
Std. XII
S.S College, Amarda, Balasore
Std. X
Sambhunath Vidyalaya, Basta, Balasore

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