Rashmi Ranjan Jena
Branch Credit Manager
Berhampur
Summary
Professional in credit management with extensive experience in overseeing branch credit operations and managing risk. Skilled in evaluating creditworthiness and implementing strategies to enhance financial stability. Valued for collaborative approach and results-driven mindset.
Overview
8
8
years of professional experience
3
3
Languages
Work History
Branch Credit Manager
Light Microfinance Pvt Ltd
02.2024 - Current
- Credit Appraisal & Analysis: Evaluate credit proposals, assess customer business and income streams, and perform due diligence of individual loan clients.
- Loan Management: Approve or reject credit applications, set credit limits, and determine repayment terms.
- Risk Management: Identify potential risks in proposals and ensure compliance with the company's credit policies.
- Field Visits (PD Visits): Conduct physical field visits (Personal Discussions) to evaluate the borrower's business and repayment capacity.
- Disbursement Coordination: Review and sign off on files after checking for documentation, coordinating with the operations team for timely disbursements.
- Team Leadership: Lead or oversee disbursement officers and ensure portfolio quality.
- Portfolio Quality: Monitor delinquencies (PAR) and work on maintaining healthy collection ratios.
- Reviewed and approved large credit applications, exercising sound judgment in line with company policies and risk appetite.
- Identified opportunities for business expansion through careful analysis of market trends and competitor offerings within the region''s commercial lending landscape.
- Streamlined interdepartmental communication channels to facilitate seamless information flow between the branch''s sales, operations, and risk management functions.
Senior Customer Service Executive
Muthoot Fincorp Ltd
01.2018 - 02.2024
- Core Responsibilities & Duties
- Vault & Asset Management: Jointly responsible for the vault key (along with the Branch Manager), ensuring secure storage and custody of pledged gold packets.
- Gold Valuation & Verification: Conducting accurate appraisal and weight verification of gold ornaments during pledging and releasing to ensure 100% compliance.
- Branch Operations: Handling daily operations, including cash management, maintaining daybooks, weekly reports, and assisting with auditing tasks.
- Sales and Marketing: Supporting the branch in achieving targets for gold loans, insurance, NCDs (Non-Convertible Debentures), and money transfers.
- Customer Service & Verification: Processing loans, maintaining customer relationships, and verifying KYC documentation.
Education
Graduation (B.COM) -
Binayak acharjya college
01-2014
Intermediate - undefined
Sbr Govt. women’s college
01-2011
Matriculation - English Medium
St. Xavier’s high school
01-2009
Skills
Underwriting expertise
Team management
Portfolio management
Credit analysis
Risk analysis
Risk mitigation
Financial forecasting
Research and due diligence
Windows xp, 7,8, Ms office package & Tally Erp9
Authorizations
Credit risk management
Credit evaluations
Financial analysis and reporting
Interests
Reading News paper and Magazines
Custom
- Exceptional motivational and leadership skills.
- Excellent communication skills in written and verbal both.
- Remarkable patience with reliability and responsibility.
- Ability to make a strong and healthy relation among the employees.
Timeline
Branch Credit Manager
Light Microfinance Pvt Ltd
02.2024 - Current
Senior Customer Service Executive
Muthoot Fincorp Ltd
01.2018 - 02.2024
Intermediate - undefined
Sbr Govt. women’s college
Matriculation - English Medium
St. Xavier’s high school
Graduation (B.COM) -
Binayak acharjya college