ALOK DAS
BRANCH CREDIT MANAGER
Gondia
Summary
Credit manager with 04 years of experience and all over 09 years credit experience in overseeing credit operations, evaluating credit risks. Proven ability to manage credit portfolios, analyses financial data, and optimize credit processes to enhance profitability. Proficient in negotiating payment terms and maintaining strong relationships with clients. Adept at leading a team to achieve organizational goals and a demonstrated history of reducing delinquencies and improving overall credit performance. My vision in credit risk management have consistently resulted in improved financial metrics and strong company-wide collaborations.
Overview
9
9
years of professional experience
6
6
Certifications
2
2
Languages
Work History
Branch Credit Manager
U Gro Capital Ltd.
04.2025 - Current
- Evaluation and granting of LAP (mortgage loans)
- Underwriting of LAP cases; personal discussion with the customers.
- Analyze the financial statement and financial ratios.
- Detailed banking analysis, in conjunction with the current year's financial numbers.
- Measuring financial and operational performances of clients using financial tools like ratios, trend analysis, sales forecasting, budgeting, etc.
- Handling legal and technical initiation to reports check.
- Effective management and communication with vendors for legal, technical, and other vital reports, critical to the health of a given loan funding, thereby understanding the major legal and technical challenges, and critical documents related to property.
- Checking litigation, Teal reports, and CERSAI.
- Reducing branch delinquency and building a good portfolio.
Branch Credit Manager
India shelter finance co. ltd
05.2022 - 03.2025
- Evaluation and granting of home loans, lap, mortgage loans
- Underwriting of HL & LAP cases, personal discussion with the customers
- Analyze the financial statement and financial ratios
- Detailed banking analysis in conjunction with the current year financial numbers
- Measuring financial & operational performances of clients using financial tools like ratios, trend analysis, sales forecasting, budgeting etc
- Effective management and communication with vendors for legal, technical and other vital reports critical to the heath of a given loan funding, thereby understanding the major legal & technical challenges & critical documents related to property.
- Reducing branch delinquency and building a good portfolio
Ass.Credit Manager
Mahindra rural housing finance ltd. (Affordable segment)
10.2021 - 05.2022
- Evaluation and granting of home loans, lap, mortgage loans
- Underwriting of HL & LAP cases, personal discussion with the customers
- Analyze the financial statement and financial ratios
- Detailed banking analysis in conjunction with the current year financial numbers
- Measuring financial & operational performances of clients using financial tools like ratios, trend analysis, sales forecasting, budgeting etc. Effective management and communication with vendors for legal, technical and other vital reports critical to the heath of a given loan funding, thereby understanding the major legal & technical challenges & critical documents related to property.
Credit Operation Executive
India shelter finance co. ltd
02.2021 - 09.2021
- Checking all necessary documents
- Data entry on software
- Generate CIBIL/Highmark
- Loan disbursement after sanction.
Credit executive
Shriram city union finance ltd.
08.2016 - 02.2021
- Credit assessment
- Banking analysis
- Income analysis by income proof or credit PD based
- Personal discussion with customer
- System process of case
- Disbursement of case.
Education
B.B.A -
National Institute of Technical and Management Studies
H.S.C - undefined
G E S Junior college Kamtha
03.2006
S.S.C - undefined
Shri Haribhai Patel Highschool Khatiya
04.2004
Skills
- Well versed in Financial analysis
- Well versed in Perfios and scoreme
- Well versed in Highmark and CIBIL
- Well versed in Credit Verification
- Well versed in Credit Underwriting
- Well versed in Legal and technical checking
- Well versed in Teal and CERSAI
Certification
Inclusive Banking by Indian Institute of Banking and Finance
Disclaimer
I hereby declare that the above information provided by me is true to best of my knowledge. Date: Place: ALOK P DAS
Websites, Portfolios and Profiles
https://www.linkedin.com/in/alokpdas1/
Timeline
Branch Credit Manager
U Gro Capital Ltd.
04.2025 - Current
Branch Credit Manager
India shelter finance co. ltd
05.2022 - 03.2025
Ass.Credit Manager
Mahindra rural housing finance ltd. (Affordable segment)
10.2021 - 05.2022
Credit Operation Executive
India shelter finance co. ltd
02.2021 - 09.2021
Credit executive
Shriram city union finance ltd.
08.2016 - 02.2021
H.S.C - undefined
G E S Junior college Kamtha
S.S.C - undefined
Shri Haribhai Patel Highschool Khatiya
B.B.A -
National Institute of Technical and Management Studies
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