Nature Lover

Take advantages of sales skills & experience and understanding types of market to become a professional sales staff and bring a lot value to customer as well as organization. I want to work in dynamic working environment with challenges to develop myself. From that, I will contribute to development of your company.

Senior Unit Manager - SMFG India Credit LTD - Panikoili

(2026-01-05)

• Managing Business Loan, Personal Loan, and Group Loan portfolios efficiently
• Handling a portfolio of over ₹12+ Crore with strong focus on quality and growth
• Leading and supervising a team of 16 members to ensure smooth operations
• Consistently achieving month-on-month targets and driving business performance
• Focused on high ticket MSME loan acquisition through quality lead generation, financial analysis, and relationship management.

Area Head (Business Loan/ Group Loan) - IDFC FIRST BANK LTD - Western Odisha

(2024-11-01 - 2025-12-25)

• Managing the 7 branches & their portfolio of 24cr having 30 members of my team.
• Recommendation for process improvement, Pre & Post Disbursement.
• Target and Manpower planning for the region.
• Ensure recruitment and training of manpower Branch manager/BCM/BOM.
• Will be responsible for meeting disbursements targets month on month. Identifying business clusters with high potential and execute penetration strategies.
• Tracking and improving branch profitability and portfolio quality.
• Meeting business target including Fee income and cross sell.
• Monitoring and mentoring the team and creating career path for team.
• Keeping a regular track of competition and reporting new products/ market developments to upstream.
• Managing the X bucket collection and overall portfolio management.
• Managing internal and external audit compliance.

Relationship Manager (Group Loan) - IDFC FIRST BANK LTD - Odisha (Jajpur)

(2021-10-25 - 2024-10-30)

• Managing the branch & their portfolio of 7 members of my team.
• Recommendation for process improvement, Pre & Post Disbursement.
• Checking KYC of Customers for Disbursement & online verification.
• Achieving 100% of my target.
• Staff Management, Digital Marketing, Lead Generation, Customer Services, Data Analysis.
• To manage the overall operational activities of the branch & giving proper serves to customer.
• Checking Of all Loan Form & KYC Documents who apply for loan.
• Daily track to Installment collection also.
• Set a bit ambitious to meet the target.
• Have complete knowledge of our customer and also our target customer.
• Professional approach / Interaction with customer.
• All Branch Report Sent to Branch Manager at Daily; weekly & monthly basis for Business Development & Portfolio management.
• Penetration of all products including insurance, saving accounts & all assets' products.
• Effectively handle queries/grievances while following with TAT
• Regular MIS and reporting.

Senior Relationship Officer - IDFC FIRST BANK LTD - Odisha (Balasore)

(2020-12-07 - 2021-10-25)

• Using written and verbal communication skills to convey information to our customers.
• Checking Of all Loan Form & KYC Documents who apply for loan.
• Daily track to Installment collection of Self also.
• Set a bit ambitious to meet the target.
• Have complete knowledge of our customer and also our target customer.
• Professional approach / Interaction with customer.
• All Branch Report Sent to Branch Manager at Daily; weekly & monthly basis for Business Development & Portfolio management.

Front Line Officer - L&T Financial Services LTD - Odisha (Karanjia)

(2019-09-01 - 2020-12-31)

• Checking Of all Loan Form & KYC Documents who apply for loan.
• Daily track to Installment collection of the branch & Self also.
• Meet customers and their family members (outside normal operating processes) to assess customer satisfaction about Jagran Provide guidance and training to Customer
• All Branch Register Maintenance Include Branch cash book all accounts parts handling by manual.

Master - Finance Control - Arya School of Management Institute & Technology (2015)

Bachelor - Commerce - Bhadrak Auto College (2012 - 2015)

Intermediate - Commerce - Simulia junior College, Markona (2012)

HSC - Baladev Jew High School, Iswarpur (2010)