Part 1
The Foundation
- How Banks Work, and Why Credit Matters
- The Credit Manager’s Role: Then, Now and Next
- The Bank Around You
- Documents and the Digital Shift
- The Life of a Loan File
- Understanding the Credit Mindset
New book · launches 12 November, 8 pm
The Gate Keeper
A Practical Guide for Credit Managers in India
by CA Ankush Jain · 10+ years in bank credit
Every loan passes through one desk. Learn how experienced credit managers read files, spot risks and make decisions that protect the bank, explained in plain language with real cases from my own career.
- 394pages
- 18chapters
- 10real cases
- 15industry checklists
Launches inPublic launch in
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Join the waitlist →
₹1,499 · Launches 12 November, 8 pm IST. Waitlist members get it a day early, on 11 November, 8 pm.
Get the launch alert on WhatsApp →
Waitlist early access is open. Everyone else can buy from 12 November, 8 pm IST · ₹1,499.
Buy the eBook · ₹1,499 →
PDF eBook · your personal copy by email in about 10 minutes
Why this book
One person has to decide whether the money will come back.
Sales brings the customer and operations releases the funds, but the credit manager has to say, with reasons, whether the bank should take the risk at all. The Gate Keeper shows you how to make that decision well, with worked numbers, real cases and the checks experienced bankers rely on.
I spent more than ten years in credit and business banking across four banks, handling proposals from ₹10 lakh to ₹75 crore and rising from credit analyst to Location Head. This book is everything I wish someone had taught me on my first day.
Inside, you will learn to
- Read financial statements like a banker, and spot fake ones
- Assess working capital, LAP and term loans with worked examples
- Analyse bank statements, CIBIL reports, ITRs and GST data
- Tell temporary stress from structural decline, and decide under pressure
- Write credit notes committees trust, and handle difficult stakeholders
What's inside
Four parts, eighteen chapters
From how banks make money to becoming a future-ready credit manager, followed by tools you can use at your desk.
Part 2
The Craft
- Understanding Financial Statements
- Working Capital Finance: A Deep Dive
- LAP and Term Loans: Collateral-Based Lending
- Due Diligence: Beyond the Numbers
- Common Pitfalls in Credit Decisions
Part 3
The Edge
- Digital Credit Appraisal and Automation
- Handling High-Ticket and Complex Cases
- Communication and Documentation Skills
- Training and Mentorship: Becoming a Multiplier
- Real Case Studies: Hits and Misses
Part 4
The Future Is Now
- The Evolution of Credit in India
- Becoming the Gate Keeper 2.0
Appendices: tools & resources
- Sample credit appraisal format
- Ratio analysis cheat sheet
- Recommended reading and resources
- Frequently asked questions
- Industry-wise credit checklists
Who it is for
Written for the people at the desk, and the people across it
Young bankersStarting out in credit, or moving from sales into underwriting.
Credit analysts and managersWho want a sharper, more structured way to read a file.
CA and finance studentsWho want to see how lenders actually use financial statements.
MSME ownersWho want to understand how a bank looks at their loan application.
About the author
CA Ankush Jain
CACSM.ComUGC NET
I spent more than ten years in credit roles at IndusInd Bank, HDFC Bank, Kotak Mahindra Bank and ICICI Bank. The files on my desk ranged from ₹10 lakh to proposals of ₹75 crore and above, across working capital finance, business loans and loan against property.
I began as a credit analyst, moved into underwriting as a credit manager and later became Location Head for Punjab. Since 2021 I have taught credit and banking in plain language on YouTube to more than 1 lakh learners.
Read my story →How you get your copy
Pay once, read on any device
- Pay securelyPay on the Razorpay page with UPI, a card, net banking or a wallet.
- Get it by emailYour personal copy reaches your inbox in about 10 minutes. Check Promotions or Spam if you don't see it.
- Read and keep itA PDF you can read on your phone, tablet or laptop, and print for your own use.
Your copy is made for you. Your name, email and order number appear on every page. It doesn't affect reading or printing, and it keeps the book affordable for everyone. Please don't share or upload the file.
- Format
- PDF eBook
- Pages
- 394
- Language
- English
- Edition
- First edition, 2026
- ISBN
- 978-93-345-5910-1
- Delivery
- By email, in about 10 minutes
Questions
Frequently asked
When is the book launching?
On 12 November, 8 pm IST. Waitlist members get it a day early, on 11 November, 8 pm: the buy link comes to the email they signed up with.Waitlist early access opened on 11 November, 8 pm. Everyone else can buy from 12 November, 8 pm IST.It’s out now. You can buy it at the top of this page.
What does it cost?
₹1,499 for the PDF eBook. The price is the same for everyone, including waitlist members; they simply get it a day earlier.
Is this a printed book?
No. It is a PDF eBook delivered by email. You can print it for your own use.
When will I receive it?
Usually within 10 minutes of payment. Please check your Promotions or Spam folder. If it hasn't arrived within an hour, write to [email protected] with your payment ID (it starts with pay_).
Why are my name and email on every page?
Each copy is personalised to protect the work and keep the book affordable. It does not affect reading or printing.
I typed the wrong email address. What now?
Write to [email protected] with your payment ID and the correct email, and I'll send your copy there.
Can my team or institute buy several copies?
Yes. For bank teams, training centres and coaching institutes, write to [email protected]. The price per copy is the same for everyone.
Can I get a refund?
It's a digital product delivered instantly, so sales are final once your copy is delivered. A duplicate payment is refunded in full, and so is an order we can't deliver. See the refund policy.
The Gate Keeper
Learn the judgement the job demands.
Join the waitlist →
₹1,499 · Launches 12 November, 8 pm IST. Waitlist members get it a day early, on 11 November, 8 pm.
Get the launch alert on WhatsApp →
Waitlist early access is open. Everyone else can buy from 12 November, 8 pm IST · ₹1,499.
Buy the eBook · ₹1,499 →
PDF eBook · your personal copy by email in about 10 minutes
By buying, you agree to the terms. Read the refund policy, delivery policy and privacy policy.
