Summary
Overview
Work History
Education
Skills
Certification
Interests
Timeline
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Debasish Bhagawati

Credit Manager (Level 2) | Credit & Risk Specialist
Mumbai

Summary

Credit & Risk Management professional with 4+ years’ experience in underwriting, risk analysis, and chargeback operations, now expanding into Product Management. Achieved 30% faster loan turnaround, underwrote 300+ loans with 95% accuracy, and resolved 2,000+ chargeback cases with 98% precision. Skilled in cross-functional collaboration, process optimization, and customer experience, with strong leadership, mentoring, and interpersonal skills.

Overview

8
8
years of professional experience
5
5
Certifications
2
2
Languages

Work History

Credit Manager

Home First Finance Company
11.2022 - Current
  • Underwrote 3000+ home loans worth ₹5–30 lakhs with 95% accuracy, ensuring disbursement within 48 hours.
  • Reduced loan turnaround time by 30%, improving operational efficiency and customer satisfaction.
  • Worked with leadership to improve the credit evaluation process, reducing approval time and delinquency by 20%.
  • Collected data and performed trend & variance analysis to mitigate risk.
  • Worked cross-functionally with sales, management, and other departments to maintain effective operations.
  • Trained 50+ sales staff on documentation and credit standards, improving loan application quality by 40% and reducing rework.
  • Won multiple cricket trophies representing HomeFirst, reinforcing teamwork and leadership skills.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.

Chargeback Analyst

Teleperformance
01.2020 - 08.2021
  • Resolved 2,000+ chargeback cases with 98% accuracy within the 60-day compliance period.
  • Investigated disputed transactions using Salesforce & Portfolio Viewer, reducing fraud resolution time by 25%.
  • Recovered ₹15+ lakhs in disputed amounts by raising chargebacks against banks/merchants.
  • Improved customer experience by cutting merchant-side escalations 30%.
  • Awarded Best Trainee at Teleperformance for outstanding performance and quick learning.

HR Recruiter (Intern)

Nico Digital Pvt. Ltd
03.2018 - 03.2018
  • Managed hiring through Naukri & Indeed portals, shortlisting 50+ candidates monthly.
  • Led end-to-end hiring process, reducing onboarding time by 20% and increasing successful placements by 25%.

Education

MBA - Finance

ICFAI Business School
Mumbai, India
04.2001 -

B.Com (Hons) - Accounting & Finance

University of Calcutta
Kolkata, India
04.2001 -

XII - Commerce

Delhi Public School
Nazira, India
04.2001 -

Skills

  • Credit & Risk Management: Loan Underwriting, Risk Scoring, Fraud Detection, Compliance
  • Financial Analysis: Modelling, Ratio & Cash Flow Analysis, Portfolio Review
  • Product & Process: Workflow Optimization, Customer Journey Mapping, Cross-Functional Collaboration
  • Tools & Tech: Salesforce, Tableau, Excel (Advanced)
  • Soft Skills: Strong Interpersonal Skills, Leadership, Team Collaboration, Conflict Resolution, Coaching & Mentorship, Building partnerships

Certification

NISM Series VIII: Equity Derivatives

Interests

Team Sports (Cricket – multiple trophies, Football)

Formula 1

Networking & Social Events

Travel & Cultural Exchange

Music

Timeline

Credit Manager

Home First Finance Company
11.2022 - Current

Chargeback Analyst

Teleperformance
01.2020 - 08.2021

HR Recruiter (Intern)

Nico Digital Pvt. Ltd
03.2018 - 03.2018

MBA - Finance

ICFAI Business School
04.2001 -

B.Com (Hons) - Accounting & Finance

University of Calcutta
04.2001 -

XII - Commerce

Delhi Public School
04.2001 -

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Debasish BhagawatiCredit Manager (Level 2) | Credit & Risk Specialist