SRIKAR KUMAR PANDA
Bhubaneswar
Summary
Results-driven underwriting professional with extensive experience of more than 15 years known for productive and efficient task completion. Specialize in risk assessment, credit policy implementation, and stakeholder relationship management. Excel in decision making, problem-solving, and communication, leveraging these soft skills to navigate complex financial landscapes and drive organizational success.
Overview
15
15
years of professional experience
Work History
Area Credit Head
Jana Small Finance Bank
Bhubaneswar
07.2023 - Current
- Managed credit assessments for high-value loan applications in accordance with bank policies.
- Evaluated customer creditworthiness utilizing financial analysis tools.
- Developed strategies to reduce customer delinquency and enhance collections efficiency.
- Reviewed accounts for potential fraud and non-payment indicators.
- Analyzed market trends to shape credit risk strategies and policy formulation.
- Provided training and support to staff on effective credit management practices.
- Participated in discussions with senior management regarding overall customer credit risk strategy.
- Completed month-end and year-end closings, ensuring audit-ready records and timely transaction recording.
Audit Manager
M C B & Co.
Bhubaneswar
04.2021 - 07.2023
- Prepared individual and business tax returns using industry-standard software.
- Guided clients and stakeholders on tax-related inquiries and GST services.
- Conducted training sessions on current taxation law trends for staff members.
- Led audit teams to assess financial processes and ensure compliance standards.
- Trained staff on effective audit methodologies to enhance accuracy.
Credit Manager
Aditya Birla Finance Limited
Bhubaneswar
03.2018 - 01.2021
- Managed credit underwriting and decision-making for business, personal, and mortgage loans with approval authority up to Rs. 15 lacs.
- Ensured adherence to internal credit policies while assessing creditworthiness of potential customers.
- Maintained decision timelines, achieving end-to-end turnaround times aligned with Pan India standards for secured and unsecured loans.
- Oversaw vendor management, including empanelment and bill processing for legal and technical agencies.
- Conducted periodic training sessions and physical due diligence for cases exceeding Rs. 10 lacs.
- Performed monthly credit reviews of existing customers, collaborating with collection and sales teams on non-starter and cheque bouncing cases.
Area Credit Officer
AXIS BANK LIMITED
Bhubaneswar
02.2016 - 02.2018
- Managed underwriting and decisioning for working capital loans secured by agricultural land and property.
- Applied internal credit policies consistently to assess creditworthiness of potential customers.
- Ensured timely decision-making to align with pan India turnaround time targets.
- Prepared weekly and monthly management information system reports for performance tracking.
- Oversaw vendor management and payment processes to ensure financial accuracy.
- Conducted periodic branch visits along with pre- and post-disbursement assessments of clients.
- Facilitated daily team huddles with ACM, ASM, AOM, and CPA executives for operational alignment.
Internal Auditor & Credit Manager
HDFC BANK LIMITED
Chennai
02.2013 - 01.2016
- Conducted internal audits for retail and corporate forex and gold loan operations from February 2023 to September 2014.
- Evaluated compliance with policies and regulations to mitigate risks in retail branch.
- Identified areas of improvement in auditing processes to enhance operational efficiency
- Performed credit assessments for two-wheeler, personal, and LAS loans from October 2024 to January 2016.
- Analyzed credit data to determine loan eligibility and minimize default rates.
- Collaborated with cross-functional teams to address audit findings and implement corrective actions.
Credit Analyst
Citi Bank
06.2011 - 10.2012
- Under the payroll of VCO Consultants & Services Pvt. Ltd.
- Analysis of Financial Statements
- Computation & Analysis of Financial Ratios
- Compliance of ROC (Filing of ROC Forms)
Education
CS INTER - Executive Program
The ICSI
06-2011
CA INTER -
The ICAI
05-2007
B. Com (Hons.) -
01-2003
Intermediate Commerce -
CHSE
Odisha01-2000
Matriculation -
BSE
Odisha01-1998
Skills
- Operating systems: Windows XP, LOS, Lendperfect
- Computer skills: MS Word, Excel, PowerPoint, Tally ERP 90
- Self-motivation and independence
- Adaptability and quick learning
- Leadership and team building
- Effective communication
- Conflict resolution strategies
- Task delegation based on strengths
Languages
Language known : English, Hindi, Odia, Tamil (Manageable)
Personal Information
- Date of Birth: 1983-01-04
- Gender: Male
- Nationality: Indian
- Marital Status: Married
- Religion: Hindu
Accomplishments
- The Bank Guard Award - Axis Bank- 2017
- The Best Performer Award - JSFB - 2025
- The Stickers Award - JSFB - 2026
Timeline
Area Credit Head
Jana Small Finance Bank
07.2023 - Current
Audit Manager
M C B & Co.
04.2021 - 07.2023
Credit Manager
Aditya Birla Finance Limited
03.2018 - 01.2021
Area Credit Officer
AXIS BANK LIMITED
02.2016 - 02.2018
Internal Auditor & Credit Manager
HDFC BANK LIMITED
02.2013 - 01.2016
Credit Analyst
Citi Bank
06.2011 - 10.2012
CS INTER - Executive Program
The ICSI
CA INTER -
The ICAI
B. Com (Hons.) -
Intermediate Commerce -
CHSE
Matriculation -
BSE