Module 2

Inside the Sanction Room

What Really Happens After Your Funding Proposal Lands at the Bank

A 1-Day Masterclass for NBFC Treasury, Finance and Funding Teams — 6 Hours ·
Practitioner-Led · Zero Jargon

Session - I (The Anatomy of a Credit Sanction)
9:00 AM – 11:00 AM · 2 Hrs
  • What happens the moment your NBFC proposal lands at the bank’s RM desk
  • The internal journey — RM → Credit Analyst → Risk Review → Credit Committee
  • What each desk is looking for, what they flag, and what moves the file forward
  • The full credit map decoded — seen for the first time from the borrower’s side
SESSION - II (Inside the Credit Machine)
11:30 AM – 1:30 PM · 2 Hrs
  • How the bank spreads your financials — what ratios matter and what triggers concern
  • How the internal rating scorecard works for an NBFC borrower
  • ALM mismatch, asset quality, and fund utilisation — what the bank really sees
  • Why proposals stall, get queried, or get rejected — and how to fix it before submission
SESSION - III (The Credit Committee Room)
2:30 PM – 4:30 PM · 2 Hrs
  • What the highest credit committee of a bank actually asks when sanctioning an NBFC proposal
  • The questions that kill deals — and the answers that save them
  • How to structure your proposal narrative to survive committee scrutiny
  • A pre-prepared ₹50 Crore NBFC reference case — walked through with live banker commentary
  • Leave with a bank-ready proposal checklist for your very next submission
Programme Highlights

Programme Highlights

6 Hours

One focused day. No filler. Every hour anchored to real banking practice.

3 Sessions

Anatomy · Credit Machine · Committee Room — the full sanction journey in sequence.

₹50 Cr Case

A real NBFC term loan proposal used as a reference anchor in Session 3.

1 Takeaway

A bank-ready proposal checklist your funding team can use immediately.

Who Should Attend

NBFC CFO teams, treasury teams, funding managers, and relationship officers on the borrower side — anyone who prepares, reviews, or submits funding proposals to banks. Ideal for junior to mid level executives managing bank relationships and fund-raise mandates. Customisable for NBFC leadership induction programmes.

What Your Team Takes Back

  • A clear picture of how the bank evaluates your proposal — desk by desk.
  • Ability to pre-empt bank queries before submission — fewer rejections and rework cycles.
  • Stronger financial narratives that meet Credit Committee expectations
  • Faster credit decisions and cleaner sanction outcomes through better-prepared, bank-ready proposals.
  • Sharper bank relationship management grounded in real credit process understanding.
Delivered by a practitioner who built the Corporate & NBFC book from zero to ₹35,000 Crore at Bandhan Bank. Every insight is drawn from real decisions made on real files. Experience the Bank's Credit Mindset.

Industry Leaders Say
About Sumanta

Success Speaks
Santanu Mukherjee

Santanu Mukherjee

Veteran Banker, Director, Industry Leader, Ex-MD of State Bank of Hyderabad

Sumanta was an excellent and energetic executive in the leadership role of Bandhan Bank with depth of knowledge in banking with special emphasis on risk management and credit controls. He is extremely innovative in handling important issues of Banking. I am sure he will earn success wherever he involves himself.

Ratan Kesh

Ratan Kesh

Veteran Banker, Industry Leader, Director, Executive Director & COO-Bandhan Bank, Ex- Axis Bank

It has always been a pleasure working with Sumanta and at a personal level, I found him to be knowledgeable, committed, articulate having expertise to add value to his domain. His ability to break down complex banking concepts with clarity and precision always enhanced stakeholder’s understanding.

Deepankar Bose

Deepankar Bose

Veteran Banker, Director, Industry Leader, Ex-CGM, SBI & Head CC, Bandhan Bank

It has always been a pleasure working with Sumanta since he brings profound knowledge and clarity to the domains of credit & risk management. His ability to elucidate complex banking concepts with clarity and precision, always facilitate better understanding among stakeholders.

Biswajit Das

Biswajit Das

Veteran Banker, Senior Business & Risk Leader, Ex- ICICI, CRO, CTO-Bandhan Bank

Sumanta has played a stellar role in setting up the Credit Risk function in Bandhan Bank. He has been bestowed with an important capability to break down the complex risk topics into chewable bits which becomes very easy for the risk owners to absorb and implement. He displays tenacity, perseverance and aptly mix his functional and managerial aptitude to take matters of importance to a befitting conclusion.

Prof. Bibek Ray Chaudhuri

Prof. Bibek Ray Chaudhuri

Professor at Indian Institute of Foreign Trade. Head of Economics Division.

The sessions are well conducted covering topics relevant for Masters in Economics students and how their knowledge is utilised in Banking. Thanks for conducting such an illuminating session.

Amitava Mukherjee

Amitava Mukherjee

Senior Industry Specialist. Equity Partner KPMG, Financial Risk Management

I strongly recommend Sumanta for his profound understanding of banking processes, regulatory frameworks and risk management, developed through his extensive experience with SBI and Bandhan Bank. His ability to simplify complex banking concepts and adapt the level of detail to suit diverse audiences demonstrates his exceptional communication and thought leadership skills.

Saurabh Jain

Saurabh Jain

Senior Banker, Head of Business, Lending Kart. Ex- ICICI, ABN-Amro, Deutsche & Bandhan Bank.

I’ve known Sumanta for more than 7 years. Earlier with the largest Bank and later with a new age Private bank has given him a well-rounded experience in Credit Risk. From Micro finance and small ticket retail loans to Commercial banking and Institutional lending. He has aided in launch and scale up of various products. He never let his calmness take the better of his stand on matters which needed to have a counter view and opinion. There’s lots that one can learn by just spending few hours with him.

Achira Bhowmik

Achira Bhowmik

Senior Banker, Vice President-Citi. Ex- Bank of Baroda

Sumata is a very knowledgeable and thorough professional with a deep understanding of all the nuances of his subject. Having worked for over 17 years in Banking, his forte is to make the subject simple and easy to comprehend. He always had a flair for teaching, making the most complicated concepts simple breaking down it into parts that are easy to understand and relate. Have always known that his passion is to spread his knowledge. Wishing him the very best!

Shilpi Kanoria

Shilpi Kanoria

Senior Advisor, South Asia- Climate Bond Initiative. Ex- VP, SBI Caps, Ex- IndusInd Bank.

I have been interacting with Sumanta da since his stint with SBI. He has always been conceptually very sound and more importantly, makes banking simple and easy for the clients. Communication is his strong point and he has the ability to put his points forth in a logical and easy to understand manner which enables one to move towards a win-win solution.

Ranjit Dash

Ranjit Dash

Senior Banker, Credit Head, AGM-ICICI

I know Sumanta for more than a decade as a colleague as well as a peer. What stands out about Sumanta is his strong analytical mind which helps him to relate theoretical concepts effortlessly to practical problems. With almost two decades of experience as a senior banker in credit and risk function with engagements at various levels starting with a junior credit analyst to highest level of Board of Directors of a universal bank as well as Regulators has helped him to hone his knowledge and skills. These attributes combined with his natural creative persona will certainly guide him to professional success in the field of education and mentoring. I wish him all the best for his future endeavours.

Partha Ray, FIII

Partha Ray, FIII

Industry Specialist. Senior Consultant, Cognizant.

Sumanta Chakraborty is a doyen in the field of banking and finance with in-depth knowledge and expertise in credit and risk. He demonstrated his razor-sharp analytical skills and exceptional leadership capabilities in his 18+ years of distinguished career with many feathers in his cap.

Nilanjana Biswas Mukherjee

Nilanjana Biswas Mukherjee

Ex Director- Delloite. Head ECL & Model Validation- Tata Capital

Sumanta Chakraborty is a seasoned banker with exceptional judgment and a sharp command of risk management. His ability to anticipate challenges, balance prudence with growth, and make data-driven decisions consistently delivers strong outcomes. With a calm, disciplined approach and deep industry insight, he is a trusted leader in navigating complex financial environments.