Puspendu Saha

**Review loan applications and customer financial documents. **Analyse the customer's income, repayment capacity, and existing liabilities. **Evaluate credit bureau reports such as CIBIL. **Assess the customer's creditworthiness and repayment history. **Identify high-risk customers before loan approval **Evaluate loan proposals according to company credit policies. **Ensure compliance with lending guidelines and eligibility criteria. **Approve or recommend loans within the delegated authority. **Identified potential credit risks and implemented preventive measures to safeguard loan portfolio. **Maintain a healthy balance between business growth and credit quality. **Maintain WIP file within TAT **Ensure proper KYC and customer documentation. **Verify income proof, bank statements, and other financial documents. **Ensured legal and technical verification for all loan applications. **Check the accuracy and completeness of loan files before disbursement. **Prevent fraudulent applications and documentation. **Ensure loans are disbursed only after completing all credit conditions. **Coordinate with sales, operations, Technical, Legal, FI, FCU and RCU teams. **Verify compliance with sanction terms and conditions. **Monitor the accuracy of loan amounts, tenure, interest rates, and repayment schedules. **Monitor monthly EMI repayment performance. **Track overdue accounts and bounced EMIs. **Coordinate with collection teams for timely recovery. **Monitor overdue buckets such as 1–30, 31–60, 61–90, and above 90 days. **Identify reasons for payment defaults and recommend corrective action. **Monitor the company's overall loan portfolio. **Control delinquency and NPA levels. **Analyse portfolio quality and identify risky segments. **Monitor PAR (Portfolio at Risk). **Developed strategies to reduce loan defaults and enhance collection efficiency. **Guide and supervise credit officers and credit analysts. **Set targets and monitor team performance. **Train team members on credit policies and risk assessment. **Coordinate with sales, operations, Technical, legal, and collection departments. **Ensure smooth coordination between business growth and risk management. **Prepare daily, weekly, and monthly credit reports. **Monitor loan sanctions and disbursement. **Prepare overdue and collection performance reports. **Analyse rejection rates and approval ratios. **Submit portfolio quality and risk reports to senior management. **Ensure compliance with company lending policies. **Follow applicable RBI guidelines for regulated lending entities. **Ensure proper KYC and AML compliance. **Maintain transparency in loan processing and customer communication. **Support internal audits, statutory audits, and regulatory inspections.

• Collaborated with team members to achieve target results.
• Managed complaints with calm, clear communication and problem-solving.
• Maintained clean, safe working environments to eliminate accident risks.