Manas Bastia
Nayagarh
Summary
To pursue a challenging career and to be a part of a progressive organization that gives scope to Enhance my knowledge, skills & reach the pinnacle in this field with sheer dedication & hard work.
Overview
15
15
years of professional experience
3
3
Languages
Work History
Regional Credit Manager
Light Finance
11.2023 - Current
- Worked closely with senior management to ensure the division met its financial targets and objectives.
- Performed regular performance reviews with staff members, identifying areas for improvement and providing feedback on successes.
- Provided guidance and support to staff members when needed, helping them resolve issues or challenges encountered in their roles.
- Sharing observations with the Business Team for resolution or clarification of Credit issues.
- Preparing internal conditions and compiling lists of required documents for processes.
- Create credit scoring models to predict risks, approve or reject loan requests based on credibility and potential.
- Manage the operation, Business, quality, and Credit team handling with training, achieved day-wise targets by process and quality, Focus OD collection, daily visit to Clients at each branch during my visit and ensure process and production in Centre meeting. Check the audit report and update queries, networking with other social activities.
- Guide BCM on tracking NPA clients and encourage BCM to visit early defaulters' clients on daily basis.
Audit Manager
New Opportunity Consultancy Private Limited
11.2020 - 10.2023
- Two clusters (Nayagarh & Ganjam) 15 Branches.
- Execute of audit plan as per the plan. (Complete audit, special, process).
- Handel 5 audit executives in my two regions.
- Customer visit sample: customer to be visited as per the sample provided for the branch audit.
- Audit timelines- complete audit with the stipulated man-days allotted by the Audit manager.
- Timely preparation & circulation of the audit report.
- Report TAT: Audit report to be rolled out within the accepted timelines – Report to be rolled out within 15 days from the date of audit completion.
- Effective execution of the provided sample and audit methodology.
- Report Quality: Ensure all the issues are captured properly in the audit reports, and scoring is done correctly as per the formats as applicable. To cover all processes during the audit.
- Error in report: Report error should be < 1% for the year.
- Critical issue communicated to the Audit Head/Department Head on the same day without delay.
- Compliances.
- Daily observation sheets to be shared with the Area Head/ Zone Head.
- Audit closer meeting to be conducted with the Business head and Zonal head in the presence of the auditee.
- Compliance should be obtained for all the issues and follow-up to be done till audit closer certificate is issued.
- Issued-wise compliance pendency should not be more than 5% for the year.
Area Credit Manager
NEW OPPORTUNITY CONSULTANCY PVT. LTD
10.2019 - 11.2020
- Managed a credit team of 12 BCM and gudie them in implementing proper credit process policies during PD.
- Develop effective communication protocols with Divisional/ Regional Management for timely updates on credit outcomes, process and business risks.
- Negotiate loan terms with clients.
- Maintain records of loan applications.
- Develop, review, and update our company’s credit policies.
- Create credit scoring models to predict risks, approve or reject loan requests based on credibility and potential.
Audit Area Manager
Satya Micro capital
03.2019 - 10.2019
- Conduct timely and effective audits and release of Audit reports to inform management on key audit findings to make sure a system is lawful, functioning, and accurate.
- Performing the audit, including risk management and control management over operational effectiveness.
- Supervise the actions of the AO/SAO in my Area to scrutinize the work to make sure they follow company and regulatory protocol.
- Execute, monitor, control, supervise, Active oversight and review AO/SAO activities in my division in delivering the objectives set and in line with Satya working standards.
- Develop effective communication protocols with Divisional/ Regional Management for timely updates on audit outcomes, process, and business risks.
- MIS reporting - daily, weekly & monthly reports etc.
- Helping the Supervisor with the recruitment of Audit personnel/staff. My data analytical ability always helps my supervisor with new initiatives in HO.
Senior Audit Officer
Fusion Microfinance Pvt. Ltd.
03.2016 - 02.2019
Internal Auditor & MIS Executive
DRS Groups Pvt. Ltd
10.2010 - 02.2013
Education
Master of Business Administration -
Gauhati University
01.2015
Skills
Analytical skill
Disclaimer
I hereby declare that the above-given information by me is true and correct to the best of my knowledge. DATE: 2025-09-17 PLACE: Bhubaneswar SIGNATURE: Manas Bastia
CORE COMPETENCIES
- Profit Centre Operations
- Ability to lead teams of skilled professionals in highly challenging work environments and conditions, flexibility in approach and capability and willingness to assist other team members with their tasks.
- Ability to multitask and meet the deadlines; - Ability to assume a high degree of responsibility and accountability; - Self-starter with good work habits and positive energy; - Willingness to live and work in developing city or city’s in transition and ability to frequently undertake work-related local travel.
STRONG POINTS
- Flexible and Adaptable
- Effective Team player also Initiator
- Self-confidence and commitments
- Handling current problems during my visit
- Observation and analysis.
Timeline
Regional Credit Manager
Light Finance
11.2023 - Current
Audit Manager
New Opportunity Consultancy Private Limited
11.2020 - 10.2023
Area Credit Manager
NEW OPPORTUNITY CONSULTANCY PVT. LTD
10.2019 - 11.2020
Audit Area Manager
Satya Micro capital
03.2019 - 10.2019
Senior Audit Officer
Fusion Microfinance Pvt. Ltd.
03.2016 - 02.2019
Internal Auditor & MIS Executive
DRS Groups Pvt. Ltd
10.2010 - 02.2013
Master of Business Administration -
Gauhati University