SAUMYARANJAN DASH
BHADRAK
Summary
Dynamic credit professional with extensive experience at Bajaj Finance Ltd, excelling in credit underwriting and risk assessment. Proven track record in enhancing portfolio management and ensuring KYC compliance.
Overview
9
9
years of professional experience
Work History
Branch Credit Manager
BAJAJ FINANCE LTD
MANGALPUR
09.2022 - Current
- Responsible for underwriting secured and unsecured proposals for loan customers, as per the laid-down policies and procedures, to honor the agreed SLAs and manage business volumes.
- Reviewing loan applications to determine whether applicants meet the criteria for creditworthiness, and reviewing credit reports and other financial records to assess applicants’ ability to repay loans.
- Conduct a personal discussion with customers to establish creditworthiness.
- Control and contain front-end delinquencies by calling up customers on first presentation.
- Making sure to complete credit/KYC documents and verification: telephonic, field, and collateral visits.
- Coordinate with sales to achieve targets, and ensure SLAs are met.
- Ensuring credit policy adherence to the accepted standards.
Assistant Manager- Credit Operation
BAJAJ FINANCE LTD
Banki
12.2019 - 09.2022
- Managed customer service inquiries and complaints in a timely manner.
- Maintained up-to-date knowledge of company products and services.
- Verifying customers' residence and financial status.
- Handling cash transactions, processing payments, and ensuring accurate record-keeping, while also providing customer service, and adhering to financial procedures and security protocols.
- Managing the entire lifecycle of gold loans, from appraisal and processing to disbursement and closure, ensuring compliance with regulations and company policies.
- Preparing daily, weekly, and monthly reports for daily business and officials.
Credit Field Executive
HDFC Bank
Bhadrak
12.2018 - 11.2019
- Reviewing loan applications to determine whether applicants meet the criteria for the creditworthiness of JLG members.
- Working with the credit administrator on policies and procedures.
- Ensured enforcement and adherence to the company credit policy in processing all loan application files.
- Reviewing the applicant's obligations compared to income.
- Verifying the applicant's residence status as well as stability.
Credit Verification Officer
Indusind Marketing & Financial services
Bhadrak
03.2016 - 11.2018
- Pre-screened the KYC documentation annexed to the TW loan applications.
- Verifying customers' residence and financial status.
- Utilizing the provided software to score credit applications.
- Reviewing TW loan applications to determine whether applicants meet the criteria for creditworthiness.
- Handling cash transactions, ensuring accurate record-keeping, providing customer service, and adhering to financial procedures and security protocols.
- Making sure to complete credit/KYC documents and verification: telephonic, field, and collateral visits.
- Coordinate with sales to achieve targets, and ensure SLAs are met.
- Taking follow-up with FEMI unpaid customers and NPA cases to maintain the branch portfolio.
- Giving training to sales officers regarding errorless application log in and submit the file within the predefined TAT.
Education
Bachelor of Commerce - Accounting And Finance
BHADRAK AUTO. COLLEGE
BHADRAK08-2014
12th - Commerce
C.H.S.E, Odisha
Randia07-2011
10th -
BSE, Odisha
Kaupur04-2009
Skills
- Credit underwriting
- Loan assessment
- KYC compliance
- Credit analysis
- Customer service
- Credit evaluations
- Risk assessment
- Portfolio management
- Loan underwriting
- Sales coordination
Languages
Odia
First Language
English
Upper Intermediate (B2)
B2
Hindi
Proficient (C2)
C2
Timeline
Branch Credit Manager
BAJAJ FINANCE LTD
09.2022 - Current
Assistant Manager- Credit Operation
BAJAJ FINANCE LTD
12.2019 - 09.2022
Credit Field Executive
HDFC Bank
12.2018 - 11.2019
Credit Verification Officer
Indusind Marketing & Financial services
03.2016 - 11.2018
Bachelor of Commerce - Accounting And Finance
BHADRAK AUTO. COLLEGE
12th - Commerce
C.H.S.E, Odisha
10th -
BSE, Odisha
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