Santosh Kumar Singh
Bhopal
Summary
Experienced professional leveraging over 9.5 years of experience in Underwriting and Credit Risk Management seeking a dynamic and stable environment in a growing organization that will lead to a lasting relationship in the field of Banking & Finance.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Credit Risk Manager (Senior Manager)
Yes Bank
11.2019 - Current
- Lead underwriting and decision-making for Kisan Credit Card (KCC) and Farm Mechanization (FM) products.
- Vendor management.
- Recommending process/policy enhancements for improved product delivery.
- Facilitating training sessions for business teams and new team members on credit policies and process.
- Ensuring full compliance with bank credit policies and regulatory norms.
- Participating in strategic projects to support organizational goals.
- Conducting ongoing reviews to monitor hygiene, delinquency & performance of portfolio and identify strong and weak areas for improvisation.
- Conducting cross-field verifications in high Value and trigger-based cases.
Area Credit Officer (Deputy Manager)
Axis Bank
06.2018 - 10.2019
- Handled underwriting of rural lending products including KCC, Overdraft and LAP.
- Managed legal and technical valuation agencies.
- Supervised team activities, ensuring effective planning and timely completion.
- Ensured loan sanctions within Turn-Around Time (TAT) and maintained policy compliance.
- Trained new team members on company-specific processes, ensuring consistent standards across the credit department.
Branch Credit Manger (Deputy Manager 1)
ICICI Bank
11.2015 - 05.2018
- Oversaw credit decisions and disbursements for KCC, Farm Equipment, and SHG loans.
- Ensured timely, quality sanctions and disbursement while maintaining strict adherence to policies.
- Conducted SOX audit on periodically.
- Collaborated with business and sourcing teams, providing regular training and feedback.
- Conducted cross field investigations
- Managed MIS reporting and escalated high-value cases for senior review.
Education
Applied Financial Risk Management -
IIM
Indore12.2024
Retail Credit Management -
NIBM
Pune12.2024
Post Graduate Diploma in Banking -
Manipal Academy
11-2015
BBA - Finance & marketing
Barkatullah University
Bhopal, M.P.12.2014
12th -
M.P. Board
12.2011
10th -
M.P. Board
12.2009
Skills
- Analytical and problem-solving approach
- Able to work both independently and in team
- Ambitious and committed to excellence
- Self-motivated adaptable learner
Certification
2024, Retail Credit Management, NIBM - Pune
Languages
English
Hindi
Awards and achievements
- Appeared in Intelligent Knowledge Series (internal magazine) 7 times for preventing fraud in ICICI Bank.
- Awarded in Agri Credit Masters in ICICI Bank.
- Awarded as 'Y- Star of the Month' in Yes Bank.
- Awarded as 'SPOT ON' in Yes Bank.
- Awarded as 'Rising Star' In Yes Bank.
- Awarded 'Vigilant Eye Award' In Yes Bank.
Personal Information
- Father's Name: Kishan Lal Singh
- Date of Birth: 06/07/94
Timeline
Credit Risk Manager (Senior Manager)
Yes Bank
11.2019 - Current
Area Credit Officer (Deputy Manager)
Axis Bank
06.2018 - 10.2019
Branch Credit Manger (Deputy Manager 1)
ICICI Bank
11.2015 - 05.2018
Applied Financial Risk Management -
IIM
Retail Credit Management -
NIBM
Post Graduate Diploma in Banking -
Manipal Academy
BBA - Finance & marketing
Barkatullah University
12th -
M.P. Board
10th -
M.P. Board
Similar Profiles
Sheetal BarnwalSheetal Barnwal
Outward Remittance Processing and Manager at Yes BankOutward Remittance Processing and Manager at Yes Bank
ARCHANA T. RARCHANA T. R
NRI Relationship Officer at Yes BankNRI Relationship Officer at Yes Bank
Kartik ThadeshwarKartik Thadeshwar
Data Analyst at Yes BankData Analyst at Yes Bank