Biplab Saha
Summary
Credit and operations professional with over 10 years of experience in banking and NBFC, specializing in credit risk management, financial analysis, and portfolio management. Proven expertise in leading teams and managing loan sanctioning for both secured and unsecured loans, with a strong focus on auto loans including commercial vehicles, farm equipment, and corporate funding.
Overview
11
11
years of professional experience
Work History
Regional Credit Manager
Toyota Financial Services
08.2025 - Current
- Managed credit risk assessments for regional accounts and portfolios.
- Oversaw operations in North-2 Region, ensuring alignment with regional goals.
- Collaborated with sales teams to streamline financing options for customers.
- Developed training programs for staff on credit policies and procedures.
Area Credit Operations Manager
Chola
07.2024 - 08.2025
- Managed credit and operations across North East region to enhance service delivery.
- Coordinated cross-functional teams to streamline credit operations and improve processing times.
- Monitored compliance with regulatory requirements in credit transactions to ensure risk mitigation.
Area Credit Manager
Bajaj Finance Ltd
Assam
09.2019 - 07.2024
- Managed credit assessment processes for diverse customer segments, improving decision accuracy.
- Developed strategies to enhance customer engagement and satisfaction.
- Oversaw risk management practices for credit approvals, ensuring compliance with policies.
Senior Officer
ICICI Bank
04.2017 - 08.2019
- Supported daily operations at Siliguri Main Branch, contributing to smooth branch functioning.
- Managed daily banking activities ensuring compliance with policies and regulations.
- Conducted training for staff on financial products and customer service best practices to enhance service delivery.
Customer Service Officer
ICICI Bank
08.2015 - 08.2017
- Provided customer service support in banking operations.
- Processed customer transactions while ensuring compliance with bank policies.
Education
PG Diploma -
NIIT
Guwahati 01.2015 - 07.2015
Bachelor of Commerce - Business Accountancy
KCDCC
GuwahatiNATIONAL PIONEER COLLEGE
GuwahatiSkills
Languages
- Bengali
- Hindi
- Assamese
- English
Timeline
Regional Credit Manager
Toyota Financial Services
08.2025 - Current
Area Credit Operations Manager
Chola
07.2024 - 08.2025
Area Credit Manager
Bajaj Finance Ltd
09.2019 - 07.2024
Senior Officer
ICICI Bank
04.2017 - 08.2019
Customer Service Officer
ICICI Bank
08.2015 - 08.2017
PG Diploma -
NIIT
01.2015 - 07.2015
Bachelor of Commerce - Business Accountancy
KCDCC
NATIONAL PIONEER COLLEGE