Sourav Mahapatra
Bhubaneswar
Summary
Dynamic credit manager with extensive experience at Bank of Baroda, excelling in credit analysis and risk assessment. Skilled in fostering collaborative atmospheres that drive exponential improvements in team performance Strong communicator adept at collaborating with teams to drive performance metrics and optimize loan processing.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Manager - Home Loan
Bank of Baroda
Bhubaneswar
07.2021 - Current
- Examining the credit application to ascertain the creditworthiness of the home loan customers.
- Evaluating borrowers' income, assets, debts, and credit history to determine their ability to repay loans.
- Assess potential risks associated with each loan application, and make recommendations to minimize lending risks.
- Developing and implementing credit policies, guidelines, and procedures to ensure compliance with regulatory requirements, and internal standards.
- Collaborating with 10 sales team members to gather data for credit analysis, making the underwriting process more efficient, and saving 72 hours in application review time.
- Pre-sanction and post-sanction follow-up activities, including unit visits, performance monitoring, end-use verification, and all other activities required from time to time.
- Ensuring CERSAI registration, modification, satisfaction of collaterals, and following up with the sub-registrar noting and release thereof post-loan closure.
- Ensuring all PDDs and OTCs are closed within given timelines.
- Ensuring all MIS are prepared and published within timelines.
- Monitoring and ensuring that vendors are empaneled and are working within defined SLAs.
Assistant Manager - Home Loan
Bank of Baroda
Vadodara
06.2018 - 07.2021
- Generated leads of retail loans (home loans, car loans, personal loans) through visits to stakeholders.
- Prepared end-to-end Retail Credit proposal through LLPS (Loan Lifecycle Processing System).
- Assessed the loan repayment capacity of borrowers through an internal risk management model.
- Ensured the creditworthiness of borrowers through thorough checks in credit information agencies, i.e., CIBIL, and CRIF HIGHMARK.
- Communicated regularly with customers to gain insights into their needs.
- Maintained defined TATs between application received and proposal recommended.
- Managed customer service inquiries and complaints in a timely manner.
- Maintained up-to-date knowledge of company products and services.
- Analyzed sales data to identify trends and adjust strategies accordingly.
- Closed collaboration with the Sales Team to refine leads received, including customer visits.
Assistant Manager - Digital Banking
Bank of Baroda
Mumbai
06.2016 - 05.2018
- Active involvement in Project & Operation Team for Debit Card of Bank of Baroda.
- Managed Vendor and oversaw vendor bill payments of Manipal Card Technologies, Oberthur/ Idemia & Blue Dart.
- Managed Data and processed data in coordination with FSS Team.
- Oversaw end-to-end implementation of Key projects of Generation of GREEN PIN through ATM, Introduction of OTP based payments for VISA and MASTERCARD debit cards, Bank of Baroda IFFCO co-branded debit cards, BARODA CHAMP CARD (FIFA u-17 WORLD CUP), BARODA RADIANCE.
- Involved in Request for Proposal processes pertaining to Debit Card Issuance.
- Trained staff members regarding usage of Debit Card through Apex Academy of Bank of Baroda as guest faculty.
Education
Post Graduate Certificate - Product Management
Duke – Corporate Education
02.2023
Post Graduate Diploma - Banking & Finance
Baroda Manipal School of Banking
01.2016
Bachelor of Technology - Mechanical
Institute of Technical Education and Research
04.2013
Skills
- Credit analysis
- Risk assessment
- Regulatory compliance
- Performance metrics
- Product development and strategy
- Written and Oral Communication
- Loan lifecycle processing system (LLPS)
- Microsoft Office
- Finacle (CBS, CRM)
- Loan underwriting
- Performance monitoring
Certification
- Product Management, DUKE CE, 2023
- Certified Analyst of Commercial Credit, 2022
- Digital Banking Certified, IIBF, 2018
- Certified Associate of Indian Institute of Banking and Finance (CAIIB), IIBF, 2016
- Junior Associate of Indian Institute of Banking and Finance (JAIIB), IIBF, 2015
- KYC-AML Certified, IIBF, 2015
Timeline
Manager - Home Loan
Bank of Baroda
07.2021 - Current
Assistant Manager - Home Loan
Bank of Baroda
06.2018 - 07.2021
Assistant Manager - Digital Banking
Bank of Baroda
06.2016 - 05.2018
Post Graduate Certificate - Product Management
Duke – Corporate Education
Post Graduate Diploma - Banking & Finance
Baroda Manipal School of Banking
Bachelor of Technology - Mechanical
Institute of Technical Education and Research
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