Mohuya Das

Seasoned Credit Manager with 9+ years of experience in banking and financial services, specializing in secured and MSME lending. Proven expertise in Cash Credit (CC) funding with limits of ₹1 Crore and above, LAP and mortgage loan underwriting, financial analysis, risk assessment, and portfolio management. Strong track record in maintaining asset quality, regulatory compliance, audit management, and cross-functional coordination across banks and NBFCs.

Credit Manager - Slice Small Finance Bank

(2023-01)

• End-to-end credit appraisal and underwriting of Cash Credit (CC) facilities with sanctioned limits of ₹1 Crore and above for MSME customers.
• Detailed analysis of audited financial statements, GST returns, bank statements, stock statements, CMA data, and assessment of drawing power.
• Underwriting of LAP (Loan Against Property) and mortgage loans for secured retail and MSME segments, including assessment of collateral coverage and risk mitigants.
• Evaluation and scrutiny of legal, technical, valuation, and title search reports to ensure enforceability and compliance.
• Preparation of credit notes, sanction terms, covenants, and deviation justifications in line with internal credit policy and RBI norms.
• Close coordination with Sales, Operations, Legal, and Risk teams to ensure timely sanction and disbursement while maintaining strong TAT.
• Ongoing monitoring of CC accounts, review of stock statements, renewal proposals, and identification of early warning signals.
• Portfolio monitoring and support to collections team to control delinquency and NPAs, ensuring sustained asset quality.
• Handling internal and external audits, resolving observations, and ensuring zero major audit findings.

Branch Credit Manager - HDB Financial Services Ltd

(2015-05 - 2019-08)

• Managed end-to-end credit operations from login to disbursement for Personal Loans, Business Loans, and Mortgage products.
• Conducted personal discussions with customers at business locations and evaluated financials, eligibility, and repayment capacity.
• Credit decision-making, recommendation to sanctioning authorities, and deviation handling.
• Evaluation of legal and technical reports for mortgage proposals and secured lending.
• Vendor management including FI agencies, valuation agencies, and legal firms.
• Led a team of 16 executives, 3 sales managers, credit associates, and operations staff.
• Portfolio management, front-end collections oversight, and audit compliance.

CPA – Credit - Axis Securities Ltd

(2010-12 - 2015-05)

• Credit appraisal and underwriting of Home Loans and LAP proposals.
• Builder and developer project appraisal and master file evaluation.
• Coordination with external agencies for CPV, field verification, and reference checks.
• Audit and regulatory compliance at location level.
• Loan processing and data entry in FinnOne system.

MBA - Manipal University

B.Com - Guwahati University