Debasish Baruah
Credit Manager
Guwahati
Summary
**Professional Summary:**
Experienced Credit Manager with over 9 years in the banking sector. Skilled in assessing creditworthiness, managing loan portfolios, and mitigating risks. Strong background in financial analysis, customer relationship management, and regulatory compliance. Proven track record of reducing default rates and improving credit policies to enhance profitability and customer satisfaction. Excellent leadership and decision-making abilities, with a focus on delivering results and maintaining high ethical standards.
Overview
9
9
years of professional experience
2
2
Languages
Work History
Credit Manager
Canara Bank
Guwahati
08.2015 - Current
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Improved credit risk management by implementing effective underwriting policies and procedures.
Deputy Branch Manager
Syndicate Bank
Mumbai
05.2016 - 05.2019
- Managed daily operations to ensure smooth functioning of the branch and timely completion of tasks.
- Conducted regular audits of branch operations to identify areas for improvement and implement corrective actions.
- Enhanced branch efficiency by streamlining internal processes and implementing staff training programs.
- Acted as interim Branch Manager during vacations or absences from work; providing seamless leadership continuity without sacrificing operational efficiency.
Assistant Manager
Syndicate Bank
Mumbai
04.2015 - 04.2016
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Improved customer satisfaction by addressing and resolving complaints promptly.
- Developed strong working relationships with staff, fostering a positive work environment.
- Promoted teamwork within the workplace by encouraging collaboration among staff members on various projectstasks.
Education
Master Of Business Administration - Finance
North Eastern University
Meghalaya 07.2013
Bachelor Of Business Administration - Human Resources Management
Presidency University
Bangalore08.2009
Skills
Performance monitoring
Sales proficiency
Fraud knowledge
Policy application
Private Banking
Retail banking
Branch operation
LAP
Priority Lending
SME
Micro Finance
Risk management
Branch Sales
Staff Management
Budget forecasting
Revenue Generation
Sales professional
Cash handling expertise
Timeline
Deputy Branch Manager
Syndicate Bank
05.2016 - 05.2019
Credit Manager
Canara Bank
08.2015 - Current
Assistant Manager
Syndicate Bank
04.2015 - 04.2016
Master Of Business Administration - Finance
North Eastern University
Bachelor Of Business Administration - Human Resources Management
Presidency University
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