Smruti Ranjan Sahoo
AREA CREDIT MANAGER
Khordha
Summary
Skilled credit manager with history of superior performance, proficient in executing detailed credit analysis to oversee and enhance client payment punctuality.
Overview
3
3
Languages
7
7
years of professional experience
Work History
Area Credit Manager
BERAR FINANCE LIMITED
01.2026 - Current
- Led high-performing credit and collections teams across the region, establishing a culture of accountability, continuous improvement, professional development, and performance excellence.
- Directed credit assessment, approvals, credit limits, portfolio monitoring, and collections to balance business growth with credit risk.
- Oversaw credit assessment, approval, limit management, monitoring, and collections activities, ensuring sound risk-return decisions and compliance with internal policies and regulatory requirements.
- Reduced delinquency and bad debt through proactive monitoring, recovery strategies, customer negotiations, and cross-functional collection efforts.
- Streamlined credit approval and collection processes, improving turnaround times, operational efficiency, and decision-making.
- Partnered with Sales and senior management to align credit policies with business strategies and support profitable market growth.
- Analyzed financial statements, credit reports, customer data, and market trends to evaluate creditworthiness and identify risk and growth opportunities.
- Managed complex credit decisions and high-risk accounts, implementing appropriate mitigation strategies and payment solutions.
- Developed KPI dashboards and reports covering credit exposure, delinquency, collections, cash flow, and bad debt for senior management.
- Established SOPs, internal controls, audit procedures, and compliance practices to strengthen credit governance and operational consistency.
- Trained and coached credit teams, improving performance, technical capabilities, and achievement of departmental targets.
- Maintained compliance with regulatory requirements and industry best practices while proactively adapting credit policies to changing conditions.
- Collaborated with Finance, Sales, Customer Service, Billing, and executive leadership to resolve financial issues and improve overall business performance.
DEPUTY CREDIT MANAGER
YES BANK LTD
09.2024 - 12.2025
- Responsible or appraise / underwrite the loan proposal.
- Handling small - medium ticket for LAP and Home loans.
- Manage the entire credit application process, right from login to disbursement.
- Managing quality of portfolio by evaluating eligibility and repayment capacity of salaried and self employed clients. Identifying risk associated to the lending and finding alternatives to mitigate them.
- Preparing detailed reports of the loans during the appraisal process.
- Manage post disbursement documents and partly disbursed cases.
- Co-ordinate with legal, technical, FI and Risk Containment Unit agency for processing the file / docket.
- Training of CPA and sales team.
- Ensuring compliance with retail credit policy and guidelines of the Bank, Reserve Bank and other regulatory bodies.
- Responsible for TAT of delivering sanction letter and disbursement.
BRANCH CREDIT MANAGER
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD
03.2023 - 08.2024
- Responsible for Credit Appraisal & Sanctioning
- Handling small - medium ticket for LAP and Home loans
- Evaluating LAP (loan against property) for salaried and self employed clients. Identifying risk associated to the lending and finding alternatives to mitigate them.
- Ensuring compliance with retail credit policy and guidelines of the Bank, Reserve Bank and other regulatory bodies.
- Preparing detailed reports of the loans during the appraisal process.
- Coordinating with different teams like legal, Technical, FCU, document prep, draw down for smooth disbursement of the loans.
BRANCH CREDIT MANAGER
BAJAJ FINSERV LTD
03.2019 - 03.2023
- Manage, handle and responsible for Credit Appraisal of Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.
- Approve loans within specified limits and refer loan applications outside those limits to management for approval.
- Analyze applicants' obtaining the information, financial status, credit, and property evaluations to determine feasibility of granting loans and credit approval.
- Pre-approval process, documents QC, CIBIL scrutiny, inspections (business & residence premises), and loan process. Ensure policy adherence and meeting the Credit TAT.
- Acceptance of files, collection of documents and review loan agreements to ensure that they are complete & accurate according to policy. Compliance of all the post disbursement audit queries within the given time.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information. Review and update credit and loan files.
- Training of Branch Credit on Policies & Processes MSME products other Products as & when launched.
- Coordinate with Sales & ensuring mechanism in place for processing of files within desired TAT.
- Coordination with various HO / Cross functional departments & providing feedback.
- Underwriting cases with desired level of quality and enabling achievement of Business target by proper training.
- To evaluate proposals of customers for Business Loan, LAP and HL, Salary Loan, professional Loan.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- Learn credit policies, credit lines, procedures, and standards in conjunction with senior managers.
- Seek compliances of circulars/guidelines issued by RBI and making changes in policies accordance to the newly issued circulars and guidelines.
Education
Bachelor of Commerce - Accounting & Finance
Prananath Autonomous College Khordha
Khorda, Orissa04-2017
Inter in Commerce (+2) - Accounting & Finance
Prananath Autonomous College Khordha
Khurda, Orissa04-2014
Matriculation -
Gurujanga H.S
Khurda, Orissa04-2012
Skills
Evaluating financial statements
Loan policy management
Risk analysis (credit)
Analytical decision making
consumer banking
Team leadership
Market trend analysis
Portfolio strategy development
Timeline
Area Credit Manager
BERAR FINANCE LIMITED
01.2026 - Current
DEPUTY CREDIT MANAGER
YES BANK LTD
09.2024 - 12.2025
BRANCH CREDIT MANAGER
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY LTD
03.2023 - 08.2024
BRANCH CREDIT MANAGER
BAJAJ FINSERV LTD
03.2019 - 03.2023
Bachelor of Commerce - Accounting & Finance
Prananath Autonomous College Khordha
Inter in Commerce (+2) - Accounting & Finance
Prananath Autonomous College Khordha
Matriculation -
Gurujanga H.S
AREA OF EXPERTIZE
- Manage and handle company’s business credit appraisals, operations, business goals, administration, Audit, KYC documents and ensure that branch operations in place, with at most customer satisfaction.
- Build and maintain healthy business relations customer service, effectively manages the operations environment of the branch. actively identifies and establishes the company standard processes in place. Handling end to end credit appraisal management and ensure service delivery within the timelines.
- Strategize office / branch operations, area of function. Monitor and improve branch process/operations productivity.
- Showing growth in business targets on book size, yield, fee-based income, and customer quality for the functional area.
- Support an environment that promotes providing a level of care that makes customers feel welcomed, significant, and engaged. Driving company initiatives for achieving desired clientele to secure business volumes.
- An enterprising individual with good interpersonal skills strong analytical, comprehensive problem-solving abilities & a willingness to learn.
- A proactive learner with a flair for adopting emerging trends & addressing industry requirements to achieve organizational objectives & profitability norms.
- Analyzing marketing trends and tracking competitor’s activities, providing valuable inputs for product enhancement and fine-tuning sales & marketing strategies.
- Understanding customer issues and solving their day to day issues, providing service on time with provided solutions.
PROFESSIONAL ATTRIBUTES
- Focused Approach
- Active & Positive
- Team Player
- Result Driven
- Interpersonal Skills
- Creative Approach
- Time Management
- Problem Solving Skills
- Planning & Execution
- Hard Working
- Work Under Pressure
- Excellent Communication
DECLARATION
I hereby declare that the above information is true to the best of my belief and knowledge.
Smruti Ranjan Sahoo