Sagar Mahapatra

Results-driven banking professional with 1.5+ years of experience in credit evaluation, loan processing, and risk assessment at HDFC Bank. Skilled in CIBIL score analysis, income document verification, KYC compliance, and RBI regulatory adherence. Proven track record of cross-functional coordination to reduce NPAs and streamline loan disbursements. Seeking a challenging Credit Manager role to leverage domain expertise.

Credit Operations Executive - HDFC Bank Ltd. - Bhubaneswar, Odisha

(2023-12)

• Analysed business loan applications by evaluating CIBIL scores, income documents, ITR filings, and bank statements to determine creditworthiness and ensure policy compliance.
• Coordinated with Sales, Legal, and Operations teams for KYC verification, documentation, and credit limit approvals — reducing turnaround time and improving customer satisfaction.
• Monitored repayment trends and identified early warning signs of financial stress, enabling timely intervention and reducing potential Non-Performing Assets (NPAs) in the portfolio.
• Ensured strict adherence to RBI guidelines and internal credit policies across all loan stages; maintained zero compliance violations and met all audit requirements consistently.
• Prepared credit appraisal reports and maintained accurate loan records in Finacle core banking system, supporting regulatory submissions and internal audit readiness.

Bachelor of Commerce - Commerce - University of North Bengal (2020)

12th – Senior Secondary - CBSE Board (2016)