BISHNU PRASAD SAHOO
Bhubaneswar
Summary
Banking and lending leader with a decade of experience driving business growth and managing high-value credit exposures in the MSME and retail lending sectors. Expertise in strategic customer acquisition, portfolio expansion, and credit risk management, ensuring sustainable asset quality and high client satisfaction.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Branch Manager – Business Growth & Lending Portfolio
Bank of Baroda
Cuttack
06.2021 - Current
- Lead branch business operations with full responsibility for MSME and retail lending portfolio growth, market development, and sales performance.
- Delivered more than double growth in branch business volumes through strategic customer acquisition and market expansion initiatives.
- Led branch teams in achieving sales targets through focused performance reviews and productivity enhancements.
- Expanded relationships within local business ecosystem, enhancing branch visibility among MSMEs and entrepreneurs.
- Managed credit underwriting and sanctioning of high-value loan proposals up to ₹10 crore.
- Ensured strong coordination with risk, operations, and compliance teams to maintain asset quality.
- Streamlined customer turnaround time and service processes, increasing client satisfaction and retention.
Assistant Manager – Lending & Business Development
Bank of Baroda
01.2016 - 06.2021
- Managed end-to-end MSME and retail lending lifecycle, enhancing client experience from sourcing to disbursement.
- Cultivated relationships with local businesses, professionals, and channel partners, resulting in portfolio expansion.
- Processed large credit exposures up to ₹10 crore while maintaining strict compliance with credit risk policies.
- Executed trade finance operations, ensuring compliance with regulations for LC, Bank Guarantees, and Forex remittances.
- Ensured strong audit, operational risk, and compliance standards.
Management Trainee
Bank of Baroda
08.2015 - 10.2015
- Gathered insights from 100+ clients to identify operational process improvements, leading to more effective service delivery.
- Facilitated seamless customer service and banking operations to enhance client experience.
- Collaborated with teams to streamline account processing procedures.
- Analyzed customer feedback to enhance service delivery quality.
- Conducted market and customer research to pinpoint service improvement opportunities, enhancing customer satisfaction.
Education
Postgraduate Certificate - Product Management
Duke University & UpGrad
05-2023
Postgraduate Diploma - Banking & Finance
Manipal Academy of Higher Education
10-2015
B.Tech - Applied Electronics & Instrumentation Engineering
Biju Patnaik University of Technology
10-2012
Skills
- Business development and MSME loans
- Credit risk management
- Sales strategy and market expansion
- Financial analysis
- Portfolio monitoring and collections
- Customer acquisition
- Channel partner development
- Team leadership and productivity
- Cross-functional stakeholder management
- Relationship building
Certification
• Certified Product Manager (CPM)
• Certified International Trade Finance Specialist-IIBF
• Certified in Commercial Credit-IIBF
• Certified Foreign Exchange Dealer-IIBF
• Treasury Management Certification-IIBF
• Certified Associate of Indian Institute of Bankers-IIBF
• Certified in MSME lending – IIBF
• Certified International Trade Finance Specialist-IIBF
• Certified in Commercial Credit-IIBF
• Certified Foreign Exchange Dealer-IIBF
• Treasury Management Certification-IIBF
• Certified Associate of Indian Institute of Bankers-IIBF
• Certified in MSME lending – IIBF
Accomplishments
• Achieved consistent business growth through strategic customer acquisition and relationship management.
• Managed large credit portfolio and loan proposals up to ₹10 crore across MSME and retail segments.
• Strengthened local market ecosystem and business networks for sustainable lending growth.
• Enhanced operational efficiency and reduced customer turnaround time.
• Managed large credit portfolio and loan proposals up to ₹10 crore across MSME and retail segments.
• Strengthened local market ecosystem and business networks for sustainable lending growth.
• Enhanced operational efficiency and reduced customer turnaround time.
Core Capabilities
- Business Development
- MSME & Business Loans
- Sales Strategy & Market Expansion
- Credit Risk & Loan Structuring
- Channel Partner Development
- Team Leadership & Productivity
- Portfolio Monitoring & Collections
- Customer Acquisition Strategy
- Relationship & Ecosystem Building
- Cross-Functional Stakeholder Management
Timeline
Branch Manager – Business Growth & Lending Portfolio
Bank of Baroda
06.2021 - Current
Assistant Manager – Lending & Business Development
Bank of Baroda
01.2016 - 06.2021
Management Trainee
Bank of Baroda
08.2015 - 10.2015
Postgraduate Certificate - Product Management
Duke University & UpGrad
Postgraduate Diploma - Banking & Finance
Manipal Academy of Higher Education
B.Tech - Applied Electronics & Instrumentation Engineering
Biju Patnaik University of Technology