Dhaneswar Biswal

Credit Risk Professional with strong expertise in MSME and unsecured business loan underwriting, risk assessment, and portfolio quality management within the NBFC/BFSI sector. Skilled in financial analysis, bank statement assessment, bureau analysis, FOIR calculation, cash flow evaluation, and risk-based credit decisioning. Adept at identifying credit risks, ensuring policy compliance, and delivering quick, accurate underwriting decisions.

Proven ability to work closely with sales, operations, and field teams to support business growth while maintaining strong asset quality and operational efficiency.

Credit Manager – MSME / Business Loans at Belstar Microfinance Ltd (A Subsidiary of Muthoot Finance) (2023-10 – Present)

• Managing end-to-end underwriting for unsecured business loans across 4 branches
• Delivering credit decisions within 2-day TAT while ensuring policy compliance
• Conducting bank statement, GST, ITR, bureau and cash flow analysis
• Performing PD and field verification to assess borrower stability and repayment capacity
• Preparing CAM for approval and credit committee review
• Coordinating with sales and operations teams for portfolio quality and business growth

Assistant Manager – Business Development at Sahasankha Advisory & Consulting Services Pvt Ltd (A Subsidiary of Belstar Microfinance Ltd) (2020-01 – 2023-10)

• Supervised financial product operations across 22 MFI branches
• Trained and guided 200+ employees on process compliance and product knowledge
• Enhanced operational efficiency through strategic coordination with internal teams and partners

Associate Branch Relationship Officer at Aditya Birla Sun Life Insurance (2019-08 – 2020-01)

• Managed customer relationships and supported financial product advisory

Agency Recruitment & Development Manager at Reliance Nippon Life Insurance (2018-12 – 2019-08)

• Recruited, trained and mentored sales agents while ensuring process compliance

Officer – Central Operations at HDFC Bank Ltd (2016-04 – 2018-05)

• Prepared PAN India HR analytics reports including attendance MIS, attrition analysis, and manpower reporting.
• Managed PLP (Performance Linked Pay) incentive calculations for sales and recovery teams.
• Conducted PIP analysis and performance tracking for underperforming employees.
• Managed internal vacancy creation and recruitment workflow processes.
• Prepared cost analysis reports for infrastructure and operational expenses.
• Developed Key Business Objective (KBO) reports comparing monthly budget vs actual performance.

MBA in Finance & HR – Swami Vivekanand Subharti University (2022)

Bachelor of Arts in Philosophy – Salipur College, Cuttack (2014)