Priyank Mishra

Results-driven Banking & NBFC professional with 7 years 2 months of experience in branch operations, credit appraisal, portfolio management, collections and recovery, and team leadership in Microfinance and MSME lending. Proven ability to drive portfolio growth, maintain asset quality and achieve business targets. Managed a ₹4.5+ crore portfolio with 99.5% collection efficiency and a team of 5+ members. Strong command of RBI guidelines, compliance, risk management and customer relationships.

Senior Branch Manager - AU Small Finance Bank - Kaptanganj, Azamgarh

(2026-08 - 2026-10)

Senior Branch Manager - Spandana Sphoorty Financial Ltd. - Prayagraj

(2024-04 - 2026-05)

• Managed a ₹4.5+ crore loan portfolio with 99.5% collection efficiency.
• Led 5+ employees and drove branch performance and profitability.
• Handled sourcing, appraisal, disbursement and recovery of JLG loans (ticket size: ₹50,000 - ₹2,00,000).
• Monitored PAR / NPA and delinquency trends; implemented corrective actions.
• Conducted centre meetings, customer verification and field visits.
• Ensured RBI guidelines, KYC compliance and documentation accuracy.
• Generated MIS reports and analysed key performance metrics.

Branch Manager - Muthoot Microfin Ltd. - Azamgarh

(2022-11 - 2024-03)

• Managed branch operations and consistently achieved business targets.
• Handled loan disbursement, collections, recovery and customer service.
• Monitored portfolio quality and compliance with company policies.
• Supervised team performance, training and development.

Branch Manager - Fusion Micro Finance Ltd. - Prayagraj

(2022-01 - 2022-07)

• Handled end-to-end branch operations and portfolio management.
• Managed credit appraisal, disbursement and recovery.
• Led the team, built customer relationships and achieved targets.

Audit Officer - Cashpor Micro Credit - Prayagraj

(2017-05 - 2020-06)

• Conducted internal branch audits and ensured process compliance.
• Verified loan documentation, KYC and field verification reports.
• Identified process gaps and recommended improvements.
• Ensured adherence to company policies and regulatory guidelines.

MBA (Distance) - Shobhit University (2014)

MA - Kanpur University (2012)

B.Com - University of Allahabad (2009)

12th - UP Board (2006)

10th - UP Board (2004)