BALARAM PANDA
Cluster Head
Baleshwar
Summary
Results-driven Banking & Financial Services Professional with over 17 years of experience in Banking, Credit, Microfinance, Sales, Portfolio Management, and Team Leadership. Proven expertise in managing multi-branch operations, large loan portfolios, business development, credit appraisal, collections, and staff development while ensuring portfolio quality and regulatory compliance.
Overview
1
1
Language
18
18
years of professional experience
Work History
Cluster Head
HDFC Bank Ltd.
09.2024 - Current
- Managed operations across 12 branches in Odisha.
- Managed a ₹102 Crore loan portfolio while maintaining portfolio quality.
- Led and mentored a team of 72 staff members, serving 31,340 active members.
- Member of the Strategic Planning Team and Zonal Credit Committee for loan approval and sanction.
- Managed the complete lending lifecycle, including credit appraisal, sanction, disbursement, follow-up, and recovery.
- Monitored branch operations, delinquency, credit quality, and business performance to achieve organizational targets.
- Identified new business opportunities while ensuring compliance and portfolio quality.
- Conducted regular training and coaching sessions to improve team productivity and customer service.
Regional Manager
Satin Creditcare Network Ltd.
04.2018 - 08.2024
- Managed operations across 13 branches in Odisha.
- Managed a ₹79 Crore Loan portfolio while maintain portfolio quality.
- Led and mentored a team of 69 employees across multiple branches.
- Achieved 99.60% collection efficiency through effective portfolio monitoring.
- Drove business growth by acquiring new customers and expanding the branch portfolio.
- Conducted regular training performance reviews, and coaching sessions to improve the productivity and performance of branch team.
Area Manager
ADHIKAR MICROFINANCE PVT. LIMITED
Odisha
03.2016 - 03.2020
- Managed operations across 05 branches in Odisha.
- Managed a ₹26 Crore Loan portfolio while maintain protfolio quality
- Led and mentored a team of 63 staff members, serving 10,140 active members .
Transaction Assistant
HDFC BANK LTD
06.2014 - 02.2016
- Where I am going to field for checking original documents and house verification of ladies group like SHG / JLG by HDFC Direct Lending, I managing Micro Loans, Micro RD, cross sell like gold loan / PL/ Auto loan / Two wheeler loan/ CA/SA. and help to RM for Office work as Assistant Branch Manager.
FIELD CREDIT ASSISTANT
ASMITHA MICROFIN LIMITED
06.2008 - 05.2014
- Job Profile-Where we generate group & give loan & take Recovery.
Education
MBA - undefined
EIPS University
Delhi01-2019
Bachelor of Arts -
Shobhit University
Delhi01-2013
CHSE -
Odisha board
Simulia College Markona 01-2007
HSE -
Odisha board
R.N High School Markona01-2003
Skills
Computer Learn (MS-Word, MS-Excel, Power point, Internet)
Business Accounting
E-accounts (Tally)
Banking Operations
Credit Appraisal
SHG / JLG Lending
MSME & LAP Lending
Business Development
Portfolio Management
Team Leadership
Collections & Recovery
Risk Management
Customer Relationship Management
Compliance & Audit
Strategic Planning
Positive Attitude
Leadership Skills
Team Management
Problem Solving
Adaptability
Customer Relationship Management
Personal Information
- Date of Birth: 1988-04-03
- Marital Status: Married
Disclaimer
Date- Place- Balaram Panda
Timeline
Cluster Head
HDFC Bank Ltd.
09.2024 - Current
Regional Manager
Satin Creditcare Network Ltd.
04.2018 - 08.2024
Area Manager
ADHIKAR MICROFINANCE PVT. LIMITED
03.2016 - 03.2020
Transaction Assistant
HDFC BANK LTD
06.2014 - 02.2016
FIELD CREDIT ASSISTANT
ASMITHA MICROFIN LIMITED
06.2008 - 05.2014
MBA - undefined
EIPS University
Bachelor of Arts -
Shobhit University
CHSE -
Odisha board
HSE -
Odisha board