Bhoroto Kumar Sustry
Dy. Credit Manager In Credit
Paralakhemundi
Summary
I seek challenging opportunities where I can fully use my skills for the success of the organization and self development by implementing innovative ideas & knowledge.
Overview
4
4
Languages
2
2
Certifications
10
10
years of professional experience
Work History
Dy. Credit Manager
Satya Microcapital Ltd
03.2019 - Current
- Analyzed financial statements and credit history to assess borrower risk before extending credit.
- Streamlined financial ratio generation within the system to improve customer data updates and review speed.
- Reviewed 4 states from the Kolkata state office, coordinating credit activity across West Bengal, Assam, Tripura, and Chhattisgarh.
- Conducted underwriting reviews against borrower criteria, financial institution standards, and company policies.
- Consulted with credit analysts and financial advisors to validate risk assessments and lending decisions.
- Led team activities in a credit-focused role and supported day-to-day branch operations.
- Advanced to Deputy Credit Manager after 2.3 years, reflecting consistent performance in a broader credit oversight role.
Credit Officer
Muthoot microfin Ltd
06.2016 - 01.2019
- Review [number] loan files weekly for completeness before forwarding cases for approval.
- Prepared loan documentation based on field officer recommendations and supported GRT verification visits.
- Conducted field verification during GRT attempts to confirm borrower details and lending eligibility.
- Supported group lending for rural customers seeking small capital to build income-generating activity.
- Managed customer relationships and business portfolios to strengthen satisfaction and repeat engagement.
- Applied RBI and company policy at branch level while supporting compliant lending activities.
Education
PGDM - undefined
HDF school of management, cuttack ( AICTE)
cuttack01-2016
+3 - undefined
Bhanjabihari University, Berhampur
Berhampur01-2013
12th - undefined
CHSE, Odisha
Odisha01-2010
10th - undefined
HSCE, Odisha
Odisha01-2008
Skills
Credit risk analysis
Underwriting
Financial statement analysis
Loan documentation
Portfolio management
Field verification
Branch operations
Customer relationship management
Policy compliance
Team leadership
Microsoft Office
Extra Carricular Activities and Achievements:
- Volunteer work.
- Committee Authority
- Participation in Blood donation campus.
- Volleyball runership in my college career.
Certification
DCA
Personal Information
- Date of Birth: 09th Oct.1992
- Gender: Male
- Nationality: Indian
- Marital Status: Single
Declaration:
I hereby declare that the above written particulars are true to the best of my knowledge and beliefs.
Timeline
Dy. Credit Manager
Satya Microcapital Ltd
03.2019 - Current
Credit Officer
Muthoot microfin Ltd
06.2016 - 01.2019
10th - undefined
HSCE, Odisha
12th - undefined
CHSE, Odisha
+3 - undefined
Bhanjabihari University, Berhampur
PGDM - undefined
HDF school of management, cuttack ( AICTE)