Sanjay Jena
Manager
Sambalpur,OR
Summary
Result-oriented and performance-driven Area Manager with over Fourteen years of experience in the Banking and Financial Services sector, specializing in Gold Loans, Vehicle Loans, Secured and Unsecured Loan Products. Proven track record of managing multi-branch operations, ensuring regulatory compliance, achieving business targets, and leading high-performing teams. Seeking a leadership role to contribute to business growth, operational excellence, and customer satisfaction.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Manager
Veritas Finance Ltd
12.2023 - Current
- Supervise operations of 2-3 branches, ensuring smooth functioning across sales, operations, and compliance.
- Manage and drive business targets for Secure & Unsecure Products like Gold Loan, Vehicle Loan, Personal Loan, and SME loan portfolios.
- Ensure adherence to regulatory and internal compliance standards.
- Conduct regular branch audits, staff appraisals, and performance reviews.
- Guide and motivate a team of Branch Managers, Credit Officers, and Sales Executives to achieve goals.
- Developed local marketing strategies to increase the customer base and loan book size.
- Monitored delinquency, minimized NPAs, and ensured healthy portfolio quality.
- Liaised with higher management for reporting, performance analysis, and business planning.
- Skilled in developing and implementing strategies to achieve business growth and profitability.
- Expertise in retail loan products: gold loan, vehicle loan, personal loan, mortgage loan, and business loan.
- Strong focus on risk assessment, credit evaluation, and portfolio quality management.
- Proven ability in team leadership, staff training, and performance management.
- Excellent knowledge of RBI guidelines, KYC/AML norms, and internal audit compliance.
- Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service.
- Responsible for overall branch operation, performance & profitability of the branch, planning for smooth functioning of the branch & developing cohesiveness with the company and co-workers.
- Focus customer engagement for new customer acquisition & retention of old customers.
Branch Operation Manager
Aavas Financiers Ltd
07.2023 - 11.2023
- Managed credit and operations, optimizing processes and improving credit decision timelines.
- Supervised underwriting processes and verified documentation for multiple loan categories.
- Expertise in finance & credit analysis of Secured and Unsecured Business Loans, Cash Credit, Term Loan, Loan Against Property, Home loan, Personal Loan, Working capital, Vehicle Loan and so on.
- Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies and procedures to honor the agreed SLAs and manage area business volumes.
- Conducted personal discussions with customers to establish creditworthiness.
- Controlled and contained front-end delinquencies by calling up customers on first presentation.
- Ensured completion of credit and KYC documents and verification through telephonic, field, and collateral visits.
- Coordinated with sales to achieve targets and ensure SLAs are met.
- Ensured credit policy adherence to the accepted standards.
- Collaborated with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team to take corrective action through new sourcing.
- Reviewed and approved credit proposals given the discretionary authority and escalated others to those with the appropriate approval authority while ensuring compliance with the bank's credit policy.
- Monitor and review the performance of the retail credit portfolio regularly, providing recommendations for adjustment where necessary.
- Contribute to portfolio management programs, i.e. limit increases, loan postponements etc.
- Recommend process changes to service efficiency and quality across the assigned area.
Branch Operation Manager
Veritas Finance Pvt. Ltd
02.2022 - 06.2023
- Assisted in credit and operation management, focusing on loan processing and risk assessment, conduct analysis on loan application.
- Underwriting credit in various loan types including MSME Loan, Home Loan, LAP, Vehicle & Use Vehicle loan, Gold loan etc.
- Managed end-to-end branch operations including loans, customer service, and compliance.
- Handled both secured (Gold, Vehicle, Mortgage) and unsecured (Personal, Business) loan portfolios.
- Built and trained a high-performing sales team, improving productivity.
- Ensured 100% adherence to audit, KYC, and regulatory norms.
Branch Head
Muthoot Finance Ltd
12.2010 - 01.2022
- Managed credit operations including loan approvals and customer service.
- Handled disbursement processes for various retail asset products.
- Responsible for overall branch operations, performance & profitability of the branch.
- Drive & participate in field marketing activities with the team to improve branch visibility.
- Plan, conduct & monitor the branch & field level marketing activities to ensure healthy pipeline of leads resulting in business conversion & branch growth.
- Focus on customer engagement & appraisal of gold ornaments being pledged in branch with correct weight & purity assessment as per company policy and auditory compliance.
- Joint custodian of the Vault with responsibility of safekeeping of pledge ornaments as per company policy.
- Verify customer KYC documents, application requests and initiate loan disbursal.
- Process foreclosure, part release, closure, interest payment transactions basis customer requests.
- Authorize transactions for disbursal, foreclosure, release and accept customer payments.
- Responsible for keeping NPAs in control through strong follow-ups from the customers for interest collections.
- Good planning abilities are required for smooth functioning of the branch & for developing cohesiveness within the company and co-workers.
- Hiring, coaching, mentoring and training employees and providing them with timely feedback on their performance.
- Maintaining quality & performance of the business, preparing various reports of the same and take necessary actions for growth of business in branch.
- Increase gold loan business plus various other third-party products.
- Manage error free valuation & appraisal of gold ornaments being pledged in branch with correct weight & purity assessment as per company policy and auditory compliance.
- Responsible for correct valuation & maintenance of 100% process compliance at branch.
- Plan, conduct & monitor the branch & field level marketing activities to ensure health pipeline of leads resulting into business conversion & branch growth.
- Conduct error free valuation & appraisal of gold ornaments being pledged in branch with correct weight & purity assessment as per company policy & audit compliance.
- Responsible for keeping NPAs in control through strong follow-ups from the customers for interest collections.
Education
PGDPM -
Sambalpur University
Sambalpur05.2013
Graduation -
G.M. College
Sambalpur05.2008
Skills
- Operations management and performance oversight
- Portfolio and risk management
- Regulatory compliance and documentation
- Problem solving and conflict resolution
- Staff training and development
- Lead generation and business development
- Cross-functional teamwork and collaboration
- Customer service and relationship management
- Data analysis and decision-making
- Audit and compliance oversight
- Policy implementation and execution
- Credit appraisal and loan product management
- Gold and vehicle loans expertise
- Secured and unsecured lending strategies
- Revenue growth initiatives and target achievement
- Strategic planning and execution proficiency
- Core banking systems (CBS) knowledge
- Microsoft Office applications expertise
- Loan origination systems (LOS) familiarity
- CRM tools and MIS reporting skills
Certification
Data Analysis & PGDCA, Data Analysis course to enhance analytical skills and understanding of data-driven decision-making.
Languages
- English, Proficient
- Hindi, Proficient
- Oriya, Native
Personal Information
- Nationality: Indian
- Marital Status: Married
Timeline
Manager
Veritas Finance Ltd
12.2023 - Current
Branch Operation Manager
Aavas Financiers Ltd
07.2023 - 11.2023
Branch Operation Manager
Veritas Finance Pvt. Ltd
02.2022 - 06.2023
Branch Head
Muthoot Finance Ltd
12.2010 - 01.2022
PGDPM -
Sambalpur University
Graduation -
G.M. College