Kastle
Gyanendra Kumar Dhal
Sambalpur,OR
Summary
A result oriented professional with 10 years of experience in Credit / risk analysis. Worked in Jana Small finance bank as Area Credit head since Jun 2023 to Sep 2026. Previously worked in PNB housing finance Ltd.as Manager-II Credit, Coimbatore Branch, Tamil Nadu from Jun 2016 to Jun 2023.
Overview
4
4
Languages
1
1
Certification
16
16
years of professional experience
Work History
Executive (Internal Audit)
VGN Developers Pvt. Limited
12.2014 - 05.2016
- Preparation of financial Statement at the year end.
- Preparation & review of Bank reconciliation statements.
- Areas – Finance, Purchase, Sales, Statutory compliance.
- Verification of Service tax, Service tax(RCM), TDS & VAT.
- Calculation & verification of depreciation for deferred tax purpose.
- Physical verification of Stores & Plant and machinery.
- Understanding and documenting the operation and process.
- Analysis & verification of debtors ageing, recovery period & interest.
- VGN Developers Pvt. Limited is a leading Real Estate Developers and Residential Apartment builder in Chennai.
Area Crdit Manager
Jana Small Finance Bank
06.2023 - 09.2026
- Managed credit risk assessment processes to ensure compliance with regulatory standards.
- Developed and implemented strategies to enhance credit portfolio quality and minimize defaults.
- Led cross-functional teams in executing operational improvements within credit underwriting procedures.
- Evaluated loan applications, ensuring thorough analysis of creditworthiness and repayment capacity.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
Credit Manager
PNB Housing Finance Ltd.
06.2016 - 06.2023
- Joined as Assistant Manager-II in 2016 and got promoted to Manager-I in 2018.
- Got 5 times achievement as Master blaster in south
- Appraising & preparing credit proposals of both Salaried and Self Employed Customers and recommending the same to Regional Credit Manager Conduct personal discussion with customers to establish Credit worthiness and ensure completion of credit/KYC documents and verification.
- Decision making within defined TAT, Understanding of property/collateral related knowledge, Vendor TAT management, Vendor Visits, Vendor payments
- Approval of both Home loan and LAP as per the Delegation grid Regular interaction with the FI agency, Legal, Technical team, RCU team for timely reports Assisting RBIA audit, maintaining compliance and closure of audit Optimized credit approval and collection processes, improving operational efficiencies.
- Championed for credit approval at PAN India level for continuous 3 years.
- Coimbatore Hub Mentored junior team members in credit management best practices to enhance overall department performance.
Finance Executive
Sify Technologies Ltd.
12.2012 - 08.2014
- Preparation of financial statements such as Balance Sheet, P&L and Cash Flow
- Preparation of Hard closed documents.
- Providing inputs for preparing the budgets and analyzing the variances.
- Preparing Trend Analysis/MIS Reports viz. Ageing analysis, provision analysis
- Compliance with SOX requirement with respect to financial statement control process
- Preparation of income statement for US & UK taxation purpose.
- Consolidation of financial statements.
- Preparation of other reports for Financial Reporting Group
- Analysis of Interest cost of various loans, leases & other financials
- Finalization of Singapore branch account & preparation of documents for tax payment
- Passing journal entries & entries relating to the inter branch transactions for the adjusted financial year in the Oracle.
- Sify Technologies Ltd. is an innovative Information technology service provider to clients in various industries ranging from Manufacturing to Construction to Banking.
Articled Clerk (Pursued Article Training)
Bramhanand and Co. (Chartered Accountant)
09.2010 - 12.2012
- Accounts: Review of maintenance of books of accounts, year-end closing entries, ensuring compliance with statutory obligation.
- Audit: Conducting Internal/Statutory/Tax audits and Investigation audit as per management requirement.
- Internal audit of logistics and manufacturing companies to oversee areas viz. purchases/sales and other day to day transactions
- Statutory audit of trading companies, overseeing areas such as revenue reconciliation, finalization of books of accounts and statutory compliances
- Fixed assets and stock verification of telecom company and reporting the variances thereto
- Filing service tax return, TDS return Preparing & uploading ITR for assesse.
- Software Skills: SAP, Oracle, Tally, MS Office.
Education
CA IPCE (Inter) -
ICAI
11.2010
CWA Inter -
ICMAI
Kolkata, India06.2008
B.Com -
N. C. Collage, Jajpur, Utkal University
Jajpur01.2005
Skills
Credit / Risk analysis
Statutory/Internal/Tax Audit
Software
Lendperfect
Certification
Cash Flow based Analysis Training -CRISIL
Timeline
Area Crdit Manager
Jana Small Finance Bank
06.2023 - 09.2026
Credit Manager
PNB Housing Finance Ltd.
06.2016 - 06.2023
Executive (Internal Audit)
VGN Developers Pvt. Limited
12.2014 - 05.2016
Finance Executive
Sify Technologies Ltd.
12.2012 - 08.2014
Articled Clerk (Pursued Article Training)
Bramhanand and Co. (Chartered Accountant)
09.2010 - 12.2012
CA IPCE (Inter) -
ICAI
CWA Inter -
ICMAI
B.Com -
N. C. Collage, Jajpur, Utkal University