Manash Ranjan Nayak
Mumbai
Summary
Experienced Credit Analyst with over 16 years in wholesale and MSME credit underwriting. Expertise in analyzing financial statements, assessing creditworthiness, and delivering data-driven lending decisions. Adept at managing client relationships and communicating complex financial concepts effectively. Holds multiple professional certifications in banking and finance.
Overview
16
16
years of professional experience
1
1
Certification
Work History
Chief Manager – Executive Director Secretariat
Bank of Baroda
08.2024 - Current
- Ensured macro-level evaluation of credit proposals submitted for approval, ensuring compliance of Bank’s guidelines and contributed to informed decision-making and smooth approval workflows
- Ensured effective compliance with the management's directives
Chief Manager – Head, SME Loan Processing Centre
Bank of Baroda
07.2023 - 07.2024
- Lead a team of 5-6 credit analysts, ensuring timely and accurate credit application processing
- Make credit decisions within delegated authority and recommend loan proposals for sanction
- Ensure compliance with bank policies, procedures, and regulatory guidelines
- Evaluate credit risk, including borrower’s repayment ability and collateral assessment
Chief Manager – Credit Processing
Bank of Baroda
08.2020 - 07.2023
- Led credit appraisal for MSME and Corporate clients in the Hyderabad Zone
- Prepared credit appraisal notes and recommended loan proposals for sanction
- Streamlined loan processing turnaround times, improving efficiency
- Monitored economic trends to identify and mitigate potential risks
- Collaborated with Regional Heads to improve service quality and reduce delinquency rates
Senior Manager – Credit Processing
Bank of Baroda
09.2018 - 08.2020
- Performed credit analysis, risk analysis, and industry assessments for SME loan proposals
- Conducted financial statement and ratio analysis, including project and real estate appraisals
- Analyzed borrower financial profiles and conducted cash flow, IRR, and break-even analyses
- Managed credit risk ratings, exposure caps, and ensured RAROC was above hurdle rating
- Coordinated with external parties, including valuers, legal consultants, and TEV experts
Manager (Credit) - Mid Corporate Group
IDBI Bank Ltd.
10.2015 - 09.2018
- Conducted comprehensive credit evaluations for mid-corporate clients, ensuring accurate decisions
- Responsible for maintaining credit quality in the portfolio and addressing emerging risk issues
- Enhanced corporate relationships and managed account profitability while minimizing delinquencies
- Ensured adherence to bank policies, regulatory requirements, and audit standards
Assistant Manager (Credit) - SME
IDBI Bank Ltd.
07.2009 - 10.2015
- Managed credit appraisal and sanction for working capital facilities and term loans for SME clients
- Conducted financial analysis, project feasibility assessments, and credit rating
- Oversaw loan document preparation, disbursement, and repayment monitoring
- Ensured compliance with regulatory and audit requirements
Education
MBA - Finance & Marketing
KIIT School of Management
01.2009
B.Sc. - Physics (Hons.)
Sambalpur University
01.2007
Skills
- Credit Appraisal
- Financial & Ratio Analysis
- Credit Risk Management
- Client Relationship Management
- Regulatory Compliance
- Loan Processing
- Project & Working Capital Assessment
- Portfolio Management
- MS Office (Word, Excel, PowerPoint, Outlook)
- Banking Software: Finacle
Certification
- Moody's Certificate in Commercial Credit
- Chartered Associate of Indian Institute of Banking and Finance (CAIIB)
- Diploma in International Banking and Finance – Indian Institute of Banking and Finance (IIBF)
- Certification in SME for Banker – Indian Institute of Banking and Finance (IIBF)
- Certification in Trade Finance – Indian Institute of Banking and Finance (IIBF)
- Certification in AML & KYC – Indian Institute of Banking and Finance (IIBF)
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