Dhanjit Singha
Bongaigaon
Summary
Proven leader in credit management with a track record of enhancing profitability and customer satisfaction at BAJAJ FINANCE LTD. Skilled in loan underwriting and team management, I have optimized credit portfolios and strengthened underwriting standards, achieving top customer satisfaction ratings. My expertise also includes streamlining operations and improving sales performance through strategic business analysis.
Overview
10
10
years of professional experience
Work History
Branch Credit Manager
BAJAJ FINANCE LTD
08.2021 - Current
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Reviewed more than 100 financial statements per month.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Enhanced branch profitability by optimizing the credit portfolio mix and mitigating potential risks within lending activities.
- Achieved consistent customer satisfaction ratings through efficient resolution of issues related to loan applications or disbursement processes.
- Strengthened underwriting standards by conducting regular audits of completed credit reviews and providing constructive feedback to analysts on areas for improvement.
Assistant Branch Manager, Operations
BAJAJ FINANCE LTD
08.2019 - 08.2021
- Analyzed business trends to identify areas of opportunity for improved sales performance within the local market segment.
- Strengthened internal controls, resulting in a marked reduction in instances of fraud and other forms of financial malfeasance.
- Enhanced branch efficiency by streamlining operational processes and implementing new systems.
- Improved customer satisfaction with prompt issue resolution and proactive communication.
- Evaluated staff performance regularly, providing constructive feedback for continuous improvement and career development opportunities.
- Managed daily operations for optimal branch performance, including staff scheduling, customer service, and financial transactions.
- Facilitated inter-departmental collaboration to optimize overall branch functionality and cohesion.
Senior Relationship Executive
Muthoot Finance Ltd.
08.2016 - 07.2019
- Responsible for Gold loan through checking purity of Gold by using different tools provided by company & evaluate value and quick disbursement.
- Making KYC by checking customer's ID, Address Proof Bank account & maintain all the branch accounts related work like cash debit credit, BRS weekly & monthly & various files and Registers.
- Increased revenue from existing clients through cross-selling, upselling, and promoting additional products and services.
- Streamlined the onboarding process for new clients, enhancing their initial experience with the organization.
Credit Officer
Bandhan Bank Ltd
06.2014 - 08.2016
- Responsible for group Personal Loan & Collection on daily Basis.
- Maintain All Branch Account's related work like cash maintain, Daily debit credit, Daily Sheet, Vault Register maintain Etc.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirement.
Education
Bachelor of Commerce - Accounting and Finance
Bongaigaon College
Bongaigaon, AS07.2012
Skills
- Team Management
- Loan Underwriting
- Credit analysis
- Portfolio Management
- Collateral Evaluation
- Credit Reports
Languages
Hindi
Upper intermediate (B2)
English
Upper intermediate (B2)
Bengali
Upper intermediate (B2)
Assamese
Advanced (C1)
Timeline
Branch Credit Manager
BAJAJ FINANCE LTD
08.2021 - Current
Assistant Branch Manager, Operations
BAJAJ FINANCE LTD
08.2019 - 08.2021
Senior Relationship Executive
Muthoot Finance Ltd.
08.2016 - 07.2019
Credit Officer
Bandhan Bank Ltd
06.2014 - 08.2016
Bachelor of Commerce - Accounting and Finance
Bongaigaon College
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