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.
