Satish Mishra
Credit Manager
Satna,MP
Summary
Credit professional steering Senior Credit Manager responsibilities across secured lending portfolios. Reviews LAP and Business Loan cases within 24 hours through statement analysis, collateral checks, and policy-based risk assessment before approval decisions. Supports faster disbursement cycles while protecting portfolio quality through disciplined delinquency control.
Overview
2
2
Languages
10
10
years of professional experience
Work History
Branch Credit & Operations Manager
Cholamandlam Investment & Finance Comp Ltd
01.2024 - Current
- Manage secured Business Loan and LAP underwriting, including personal sanctioning and disbursement authority.
- Reduce application Turnaround Time by 25% while maintaining strict credit risk policy adherence.
- Assess ABB banking behavior, ITR, and GST documents to support credit appraisal decisions.
- Coordinate with legal and technical vendors to validate property titles, market valuation, and zoning compliance.
- Monitor LAP and BL portfolio quality, keeping 30+ DPD under X% across the managed book.
- Support disbursement controls and risk checks for high-ticket files through credit verification and fraud detection.
Branch Credit Manager
ITI Finance LTD
12.2022 - 12.2023
- Manage [number]% loan approvals and rejections by evaluating case details against delegated lending authority.
- Review [number] loan applications per week to assess creditworthiness and risk profile.
- Evaluate borrower financial statements to support accurate credit appraisal and lending decisions.
- Monitor portfolio performance and credit exposure to identify emerging risk and repayment concerns.
- Maintain MIS reporting and data tracking to support branch-level credit oversight and decision-making.
- Coordinate with subordinates to track case status, disbursement activity, and workflow follow-up.
- Draft clear credit correspondence and communicate case updates professionally with internal stakeholders.
Credit Manager
TVS credit Financial Services LTD
03.2021 - 12.2022
- Maintained branch delinquency within acceptable limits by tracking repayment behavior and escalating weak accounts early.
- Completed credit appraisals using financial statement analysis and delegated lending authority to support sound approvals.
- Managed turnaround time across branch activity while balancing quality business and operational follow-up.
- Prepared clear mail drafting and MIS reporting to support branch coordination and management updates.
- Coordinated vendor follow-ups when needed to keep disbursement management and related workflows moving smoothly.
Credit Relationship Manager
HDB Financial Services Ltd
09.2018 - 03.2021
- Verified borrower authenticity and cash flow viability through personal discussions and business place visits.
- Processed end-to-end deviation approvals within delegated lending authority, balancing business growth with risk mitigation.
- Trained junior underwriters and sales teams on regional risk parameters and property-backed loan policy updates.
Branch Team Leader
Shriram Finance Ltd
03.2016 - 01.2018
- Underwrote credit and operations cases, applying financial statement analysis, risk assessment, and delegated lending authority.
- Maintained disbursement timelines and TAT across branch processing activities.
- Provided leadership support and trained junior staff through team motivation activities.
- Drafted branch communications and reports using mail drafting, Excel, Word, and PPT.
- Coordinated vendors and monitored portfolios to support fraud detection and branch control.
Education
Master of Business Administration - undefined
SVN university Sagar
05-2015
Bachelor of Computer Applications - undefined
MIMS sagar (MCU university)
05-2013
Higher Secondary - undefined
Anibesent Higher Secondary School Ranjhi Jabalpur
05-2008
High School Diploma - undefined
Saraswati Shishu Mandir Hatta (Damoh)
05-2004
Skills
Credit underwriting
Credit appraisal
Risk assessment
Financial statement analysis
Delegated lending authority
Mail drafting
Portfolio monitoring
Disbursement management
MIS reporting
Vendor coordination
Fraud detection
Personal Information
Date of Birth: 26/10/1988
Marital status : Married
Nationality : indian🇮🇳
Address : Village Hinauta, post chhirhai, Teh- Ramnagar, Satna M.P. 485881
References
- Satosh, Singh Gaharwar, Shriram Finance / Zonal Business Manager
- Alok, tiwari, cholamandlam investment & Finance company Ltd / Resional Business Manager
Interests
Learning new skills, writing poems and articles, Traveling
Signature
Satish mishra
Timeline
Branch Credit & Operations Manager
Cholamandlam Investment & Finance Comp Ltd
01.2024 - Current
Branch Credit Manager
ITI Finance LTD
12.2022 - 12.2023
Credit Manager
TVS credit Financial Services LTD
03.2021 - 12.2022
Credit Relationship Manager
HDB Financial Services Ltd
09.2018 - 03.2021
Branch Team Leader
Shriram Finance Ltd
03.2016 - 01.2018
High School Diploma - undefined
Saraswati Shishu Mandir Hatta (Damoh)
Higher Secondary - undefined
Anibesent Higher Secondary School Ranjhi Jabalpur
Bachelor of Computer Applications - undefined
MIMS sagar (MCU university)
Master of Business Administration - undefined
SVN university Sagar