Summary
Overview
Work History
Education
Skills
Personal Information
Hobbies and Interests
PERSONAL DOSSIER
Languages
DECLARATION
Sign
Timeline
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Santosh Kumar Dakua

Santosh Kumar Dakua

Berhampur

Summary

Dedicated Credit Manager in secured and unsecured loan segment with high integrity and deep knowledge of the field bringing 6 years of related experience to support business financial needs . Specializing in credit administration.

Overview

6
6
years of professional experience

Work History

Deputy Credit Manager

DCB Bank
Jeypore
02.2023 - Current
  • Spearheaded credit underwriting for Home Loans (HL) and Loan Against Property (LAP) as the Credit Manager, ensuring adherence to credit policies and procedures.
  • Ensured accuracy of all documents associated with the loan process, including promissory notes, security agreements, collateral appraisals.
  • Reviewed customer financial statements to assess creditworthiness.

Branch Credit Manager

cholamandalam finance and investment pvt ltd
Balasore
08.2022 - 01.2023
  • Credit underwriting for Home Loans (HL) and Loan 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 credit worthiness 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
Berhampur
05.2022 - 08.2022
  • Credit underwriting for Home Loans (HL) and Loan 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.

Deputy Credit Manager

Annapurna Finance
12.2021 - 05.2022
  • Credit underwriting for Home Loans (HL) and Loan Against Property (LAP) as the Credit Manager, ensuring adherence to credit policies and procedures.
  • Analyzed financial data to identify trends and improve performance.
  • Developed and implemented financial strategies to achieve company goals.

Asst Credit Manager

Bajaj Finance Limited
Berhampur
05.2018 - 09.2021
  • Analyze business potential & execute strategies to Give Good Decision to Company Favor.
  • Identify, qualify and pursue business opportunities through Credit in Secured & Unsecured surveys.
  • Approve Loans Within Specified Limits, And Recommend Loan Applications To Higher Authority For Higher Amount.

Education

B.TECH - Computer Science

Biju Pattnaik University
Odisha
05-2014

DIPLOMA - Diploma in Computer Science

Hi-Tech Institute Of Information And Technology
Odisha
06-2011

HSE -

BSE
Odisha
02-2006

Skills

  • Credit Appraisal
  • Credit Underwriting
  • Credit Monitoring
  • Disbursement
  • Credit Research
  • Risk Analysis
  • Credit Rating
  • Credit Risk Analysis
  • Credit Policy

Personal Information

A result driven, dedicated individual with 6 years of experience in Credit in Secured, Unsecured loan Disbursement Strategy & through finance industries.

Hobbies and Interests

  • Playing Cricket
  • Learning New Things

PERSONAL DOSSIER

Name : Santosh Kumar Dakua

Mother's Name : Kumari Dakua

Father's Name : Prafulla Chandra Dakua

Date of Birth : 18 Feb 1991

Sex : Male

Marital Status : married

Nationality : Indian

Religion : Hindu

Community : SEBC/OBC

Cast : Coiffeuse

Mother's Language : Odia

Permanent Address : At-Dasiamaripalli, Po-Bhutasarasingi via-Badakharida Dist-Ganjam, Odisha (761041)

Languages

Odia
First Language
Odia
Advanced (C1)
C1
English
Intermediate (B1)
B1
Hindi
Intermediate (B1)
B1

DECLARATION

I do hereby declare that the above mentioned information is best to my update knowledge and I breathe responsibility for the correctness of the above mentioned Particulars.

Sign

Santosh Kumar Dakua

Timeline

Deputy Credit Manager

DCB Bank
02.2023 - Current

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

Asst Credit Manager

Bajaj Finance Limited
05.2018 - 09.2021

B.TECH - Computer Science

Biju Pattnaik University

DIPLOMA - Diploma in Computer Science

Hi-Tech Institute Of Information And Technology

HSE -

BSE

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