Sagar Sen

Results-driven finance professional with 3+ years of combined experience in personal loan origination, credit operations, KYC/AML compliance, and financial product distribution at Bajaj Finance Limited. Hands-on expertise in loan application management, compliance adherence, disbursement coordination, and customer relationship management. Recipient of the KUDOS Award for Exceptional Contribution (Nov 2025) at Bajaj Finance.

Holds a PG Certification in Credit Operations from Non Engineers and a Business Forecasting certification from IIT Bombay (NPTEL). Actively pursuing an MBA to deepen domain expertise. Seeking an entry-level role in Credit Analysis, Credit Underwriting, or Loans & Advances Operations within Indian banking, NBFC, or fintech organisations.

PLCS – Sales Officer (Personal Loan Credit & Sales) - Bajaj Finance Limited - Hailakandi, Assam

(2025-10 - 2026-03)

• Loan Application Management: Drive end-to-end Personal Loan (PL) origination–sourcing, profiling, credit assessment, and file preparation–consistently meeting monthly sanctioned-volume targets.
• Compliance & Regulatory Adherence: Scrutinise KYC documents (Aadhaar, PAN, Voter ID) and ensure 100% compliance with RBI/KYC/AML norms and NBFC credit policies before forwarding files to the underwriting team.
• Credit Evaluation: Review CIBIL scores, income proofs (salary slips, bank statements, ITR), employment stability, and FOIR to assess applicant creditworthiness; liaise with the underwriting desk for deviation approvals.
• Customer Relationship Management: Build and manage borrower relationships through transparent communication, needs-based product recommendation, and post-sanction query resolution.
• Loan Disbursement & Post-Sanction Activities: Coordinate disbursement workflows, verify post-sanction conditions, and maintain accurate MIS on pipeline, approval ratios, and rejection reasons.
• Utilise Salesforce CRM and Zoho Books to track leads, manage customer records, and generate disbursement reports for senior review.

PL Emerging – Trainee (Personal Loan Operations) - Bajaj Finance Limited - Hailakandi, Assam

(2025-05 - 2025-09)

• Assisted the credit and operations team in personal loan processing–customer onboarding, document collection, KYC verification, and credit file preparation.
• Performed financial document scrutiny: validated bank statements, salary certificates, Form 16, and CIBIL reports to support the underwriting function.
• Managed compliance documentation–ensured all loan files met AML and internal audit requirements prior to sanction.
• Supported fraud-check processes by cross-verifying applicant-declared information with bureau data and field investigation reports.
• Gained hands-on exposure to loan management systems (LMS), digital disbursement workflows, and post-sanction condition fulfilment.
• Coordinated with field executives and credit managers to reduce file discrepancies and improve login-to-sanction conversion rate.

POS Agent – Banking & Financial Services - Airtel Payments Bank - Hailakandi, Assam

(2020-01 - 2023-01)

• Onboarded 500+ new customers with full KYC verification as per RBI guidelines, maintaining zero non-compliant account activations.
• Facilitated digital payment literacy among rural and semi-urban customers, contributing to financial inclusion goals.
• Managed daily reconciliation of POS transactions–experience directly transferable to loan operations back-office functions.
• Identified cross-sell opportunities for banking and insurance products through needs-based customer profiling.

Science & Mathematics Teacher - Private School - Hailakandi, Assam

(2023-03 - 2025-03)

• Applied strong quantitative and analytical reasoning skills–competencies central to credit analysis and financial assessment.
• Designed structured evaluation frameworks; transferable to data-driven assessment methodology used in credit operations.

Master of Business Administration (MBA) - Business Administration - Shoolini University (2024-01)

Bachelor of Science (B.Sc.) - Science - Srikishan Sarda College, Hailakandi (2019 - 2023)

Higher Secondary (12th) - Science - Srikishan Sarda College, Hailakandi (2019)

Secondary (10th) - Dholai Molai High School, Hailakandi (2015)