Santosh kumar Jena
Branch Manager
Gadakan Mancheswar Bhubaneswar,Odisha
Summary
Branch Manager steering secured business loan operations across portfolio growth, collections, and disbursement activity. Manages a ₹8.5 Cr portfolio with 195 clients, drives monthly target achievement, and coordinates Stage-1, Stage-2, and NPA collections with field staff. Supports customer sourcing, personal discussion visits, and loan disbursement to keep branch performance on plan.
Overview
3
3
Languages
7
7
years of professional experience
Work History
Branch Manager
Cholamandalam Investment Finance Company Ltd
10.2025 - Current
- Manage approximately 8.5 Cr portfolio with 195 clients while driving monthly target achievement across the Secure Business Loan vertical.
- Oversee collection management across Stage-1, Stage-2, and NPA buckets, supporting recoveries and escalation handling.
- Conduct field visits with staff to source customers and support PD activities.
- Handle the disbursement process for business loans, coordinating documentation and branch operations support.
- Support secured business loan sourcing for ticket sizes from 5 Lac to 12 Lac while maintaining client follow-up and loan pipeline discipline.
Branch Manager
UNITY SMALL FINANCE BANK LTD
06.2024 - 09.2025
- Manage [number] client visits daily while balancing branch service needs and follow-ups.
- Oversee branch operations, coordinating daily workflows and escalation handling for SME business loan activity.
- Coordinate customer acquisition and field visits to support business loan sourcing across the local market.
- Monitor portfolio performance, collections, and NPA recovery to keep lending quality under control.
- Support team supervision and sales target management while maintaining client relationship follow-through.
Banking Unit- Manager
Bandhan Bank Ltd
04.2023 - 06.2024
- Coordinated loan disbursement, KYC verification, and documentation checks for smooth branch processing.
- Supported business loan sourcing, customer acquisition, and client relationship management across field visits.
- Tracked collections, portfolio management, and NPA recovery activities to maintain branch performance.
- Coordinated sales target management, escalation handling, and team supervision to keep operations on track.
Field Staff & Assistant Manager
RBL finserve Ltd.
12.2019 - 02.2023
- Support branch operations by coordinating customer onboarding, document checks, and daily field coordination.
- Verify KYC documents and maintain accurate records for loan disbursement and business loan sourcing.
- Build customer relationships through clear communication, regular follow-up, and responsive issue resolution.
- Coordinate portfolio reviews, sales target updates, and recovery follow-up to support branch performance.
- Handle escalations and team coordination with punctual, reliable field support across assigned locations.
Education
+3 Science - undefined
Biju Pattnaik College of Science and Education
Odisha05-2015
+2 Science - undefined
Biju Pattnaik College of Science and Education
Orissa05-2010
10th - undefined
Kendriya Vidyalaya No-3
Bhubaneswar, Odisha05-2008
Skills
Branch operations management
Loan disbursement process
Customer acquisition
Field visit coordination
Sales target management
Portfolio management
Collection management
NPA recovery
Client relationship management
Business loan sourcing
KYC verification
MSME lending
Recoveries management
Team supervision
Escalation management
Personal Information
- Date of Birth: 02.10.1992
- Gender: Male
- Nationality: Indian
- Marital Status: Unmarried
- Religion: Hinduism
Interests
Net Surfing, Playing Cricket
Declaration
I hereby declare that the above cited information is true to the best of my knowledge and belief, if given a chance, I can prove myself. Place: Bhubaneswar
Timeline
Branch Manager
Cholamandalam Investment Finance Company Ltd
10.2025 - Current
Branch Manager
UNITY SMALL FINANCE BANK LTD
06.2024 - 09.2025
Banking Unit- Manager
Bandhan Bank Ltd
04.2023 - 06.2024
Field Staff & Assistant Manager
RBL finserve Ltd.
12.2019 - 02.2023
10th - undefined
Kendriya Vidyalaya No-3
+2 Science - undefined
Biju Pattnaik College of Science and Education
+3 Science - undefined
Biju Pattnaik College of Science and Education