Santosh Kumar Dakua
Senior Credit Manager
Berhampur
Summary
With over Seven years of experience as a Credit Manager specializing in Home Loans (HL), Loan Against Property (LAP), and unsecured business loan products, I excel in navigating the financial landscape. I bring expertise in credit risk management, loan application evaluation, and regulatory compliance. My strong financial analysis and risk assessment skills allow me to make informed decisions, minimizing potential financial losses. With a focus on maintaining high-quality customer service and attention to detail, I specialize in analyzing credit data and financial statements to assess the creditworthiness of borrowers and uphold a high-performing loan portfolio.
Overview
7
7
years of professional experience
6032
6032
years of post-secondary education
3
3
Languages
Work History
Senior Credit Manager
Shriram finance
01.2025 - Current
- Looking at various business profiles of affordable LAP, and salaried LAP customers.
- Loan amounts handled range from 10 lakhs to 1 crore.
- Review and assess a broad range of complex loan applications within defined parameters.
- Guidelines and accordingly take decisions or recommend for approval to higher authorities.
- Currently, I am looking for 10 branches across Odisha with 6 team members.
- Managed a team of credit analysts responsible for assessing customer applications for loan products.
- Provided guidance on best practices when making decisions about granting or denying customer requests for increased line of credits.
- Identified areas where processes could be improved upon in order to increase efficiency within the department.
Deputy Credit Manager
DCB Bank
02.2023 - 01.2025
- Spearheaded credit underwriting for Home Loans (HL) and Loan Against Property (LAP) as the Credit Manager, ensuring adherence to credit policies and procedures.
- Ensured the accuracy of all documents associated with the loan process, including promissory notes, security agreements, and collateral appraisals.
- Reviewed customer financial statements to assess creditworthiness.
- Evaluated credit applications to assess risk and ensure compliance.
- Reviewed financial statements to determine creditworthiness of clients.
Branch Credit Manager
cholamandalam finance and investment pvt ltd
08.2022 - 01.2023
- Credit underwriting for home loans (HL) and loans against property (LAP) as the credit manager, ensuring adherence to credit policies and procedures.
- Analyzing financial data to assess credit risk.
- Established standards for evaluating customer creditworthiness prior to approving loan applications.
- Developed and maintained effective credit policies.
- Analyzed risk factors associated with new loans or existing portfolios.
Credit Manager
Vistaar Finance
05.2022 - 08.2022
- Credit underwriting for home loans (HL) and loans against property (LAP) as the credit manager, ensuring adherence to credit policies and procedures.
- Assessed customer creditworthiness based on financial reports, payment histories, and other sources of information.
- Prepared monthly departmental reports summarizing the status of outstanding receivables.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
Deputy Credit Manager
Annapurna Finance
12.2021 - 05.2022
- Credit underwriting for home loans (HL) and loans against property (LAP) as the credit manager, ensuring adherence to credit policies and procedures.
- Assessed customer creditworthiness based on financial reports, payment histories, and other sources of information.
- Prepared monthly departmental reports summarizing the status of outstanding receivables.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
Credit Manager
Bajaj Finance Limited
05.2018 - 12.2021
- Analyze business potential, and execute strategies to give good decisions to the company in favor.
- Identify, qualify, and pursue business opportunities through credit in secured and unsecured surveys.
- Approve loans within specified limits, and recommend loan applications to a higher authority for a higher amount.
Education
B.Tech/B.E. - Computers
Biju Patnaik University of Technology (BPUT)
05-2014
Diploma - Computer Science
Hi Tech Institute Of Information And Technology
Jeypore, India03-2011
10th - ODIA
BSS HIGH SCHOOL
BHUTASARASINGI03-2006
Skills
Credit Appraisal
Interests
PLAYING CRICKET, MAKING NEW FRIENDS
Disclaimer
I hereby declare that the above statements are true, correct to the best of my knowledge and belief.
CUSTOM SECTION
- Name
- Santosh Kumar Dakua
Timeline
Senior Credit Manager
Shriram finance
01.2025 - Current
Deputy Credit Manager
DCB Bank
02.2023 - 01.2025
Branch Credit Manager
cholamandalam finance and investment pvt ltd
08.2022 - 01.2023
Credit Manager
Vistaar Finance
05.2022 - 08.2022
Deputy Credit Manager
Annapurna Finance
12.2021 - 05.2022
Credit Manager
Bajaj Finance Limited
05.2018 - 12.2021
B.Tech/B.E. - Computers
Biju Patnaik University of Technology (BPUT)
Diploma - Computer Science
Hi Tech Institute Of Information And Technology
10th - ODIA
BSS HIGH SCHOOL
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