Subhendu Sekhar Mishra
Bhubaneswar
Summary
Dynamic credit professional with extensive experience at Bank of Baroda, excelling in credit analysis and risk assessment. Proven track record in enhancing portfolio performance, achieving significant growth in retail loans, and ensuring regulatory compliance. Adept at building strong customer relationships while driving financial success through strategic decision-making and meticulous loan processing.
Overview
14
14
years of professional experience
Work History
Manager
Bank of Baroda
04.2025 - Current
- As a Credit Officer: As A Processing Officer SME Loan Factory ( Manager)
- Analysis & appraisal of credit proposal for NTB and Existing Borrowers pertaining to SME accounts.
- Handled Loans of Ticket size From Rs 1.00 Crs to Rs 80.00 Crs for Working Capital, Term loans , Supply chain, LAP and Treds with aggregate proposal size of Rs 300.00 Crs
- Primary responsibility includes understanding customer requirements, understanding business and Industry and analyzing Financials statements, ratios, Fund flow , Cash Flows and audit reports for understanding financial, business and credit risk.
- Preparing Credit proposal with analysis/justification keeping in view banks Credit policy for recommending the same to higher authorities with appropriate pricing and Covenants.
- Responsible for Various other pre sanction activities like pre sanction visits, Credit Due diligence of borrowers and Promoters, analyzing account statements , valuation and Legal reports
- Preparation of Credit related notes like financial deviations, other deviations, concession, modifications and presenting the same to competent authorities.
Assistant Manager
Bank of Baroda
04.2019 - 03.2024
- Credit Head of a Large Branch
- Responsible for MSME and retail portfolios in branch banking.
- Presently posted at SME Loan factory as a processing Officer of SME credit proposal for Small and medium enterprises.
- Conducting timely reviews and monitoring of accounts with MSME portfolio of Rs 20 crs and Retail -Rs 231.79 Crs)
- Sourced new retail leads which helped the branch increase its retail loan portfolio by Rs 30 Crores for FY 2022-23 and Rs 16 Crores FY 2021-22.
- Responsible for Credit Monitoring of the branch’s asset portfolio with ensuring min slippages in the financial year as well as initiating various recovery action in NPA accounts.
- As a credit head responsible for various Audits including statutory audits, internal audits, credit audits and stock audits.
- During annual review, validated the profitability of the portfolio by monitoring the clients’ borrowing activities and identified additional opportunities of financing and was proactive to retain existing clients.
- Review financial statements, complete the financial analysis and evaluate the risk rating.
- Actively address situations where potential risks are identified, such as arrears, risk deterioration and declining financial results.
- Conduct due diligence of the asset portfolio during fresh and review sanction.
- Accurate documentation and ensuring adherence to prescribed policies and procedures and overall safety of the Banks position.
- Management appreciation for sourcing investment of Rs 1cr for NFO of Baroda mutual fund
- Part of two member credit team which received Management appreciation for being one of the top2 branches in the country to process maximum number of loan through digital channels
- Part of two-member credit team which received Management Appreciation for being one of the top 2 branches in sourcing and disbursement of Rs 16 Crores of retail loans in FY 21-22.
Senior Business Associate
Tech Mahindra Limited
09.2018 - 03.2019
- Responsible for analyzing resource requirements for the Security business unit.
- Examining JDs and mapping skills as per customer requirements to satisfy resource requirement from internal pool or through external hiring by resource management group (RMG) or vendors.
- Maintaining resourcing plan for various projects and tracking each resource requirement to closure.
- MIS reporting for tracking total demands of resources, replacement for internal resources, the allocation and billability of resources in various projects in coordination with PMOs, RMG to improve revenue focus and resource utilization.
Assistant Construction Manager
Larsen and Toubro Limited
07.2011 - 05.2015
- Responsible for estimating and planning of project activities.
- Overall responsibility for short/medium term planning and organization of all resources.
- Liaised with client and subcontract agencies to mitigate constraints in executing the work.
- Monitoring and ensuring adequate deployment of resources – manpower & machinery.
- Focused on reliability of service delivery and strived for continuous improvement.
- Part of multiple taskforce focused on process improvement to help generate savings for the organization.
- Preparing status reports for use in communication to project managers and other stakeholders.
- Escalated issues and areas of concern to senior managers when needed.
- Management appreciation for formulating changes by incorporating best practices in production which helped reduce RT repair percentage from 0.45% of total welded length to 0.1% of total welded length.
- Management Appreciation for maintaining workplace as a part of Utkarsh Initiative at VPC, Larsen and Toubro in the areas of safety, aesthetics, hazard identification and their impact assessment.
Education
MBA - Finance
Xavier Institute of Management
Bhubaneswar 03-2022
Mechanical Engineering
Motilal Nehru National Institute of Technology
Allahabad05-2011
Skills
- Credit analysis
- Risk assessment
- Financial modeling
- Portfolio management
- Loan processing
- Regulatory compliance
Accomplishments
· Part of SME Team for Outstanding performance in achieving targets for last 3 years
Management appreciationfor sourcing investment of Rs 1cr for NFO of Baroda mutual fund
Timeline
Manager
Bank of Baroda
04.2025 - Current
Assistant Manager
Bank of Baroda
04.2019 - 03.2024
Senior Business Associate
Tech Mahindra Limited
09.2018 - 03.2019
Assistant Construction Manager
Larsen and Toubro Limited
07.2011 - 05.2015
MBA - Finance
Xavier Institute of Management
Mechanical Engineering
Motilal Nehru National Institute of Technology
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