Summary
Overview
Work History
Education
Skills
Interests
Disclaimer
CUSTOM SECTION
Timeline
Generic
Santosh Kumar Dakua

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, India
03-2011

10th - ODIA

BSS HIGH SCHOOL
BHUTASARASINGI
03-2006

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
Santosh Kumar DakuaSenior Credit Manager