Sanjay Naikkhathar
Credit Underwriting | Loan Sanction | Credit Risk | Banking Operations
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About
Banking professional specialising in credit underwriting, loan sanction, and credit risk assessment. Currently driving end-to-end loan processing and compliance at Bandhan Bank. MBA (Finance) with strong analytical, documentation, and problem-solving skills.
Experience
Assistant Manager – Loan Sanction Authority (SBA) - BANDHAN BANK LIMITED - Hosapete, Karnataka
(2025-02 - 2026-09)
- Evaluated loan applications for completeness, accuracy, and compliance with internal lending policies and sanction guidelines
- Identified documentation gaps and coordinated with branch teams to ensure timely resolution and regulatory adherence
- Maintained loan and sanction records for audit readiness while flagging credit and documentation risks during appraisal
MBA Intern - MANAPPURAM FINANCE LTD - Ballari, Karnataka
(2023-11 - 2023-12)
- Supported customer documentation, record management, and day-to-day finance operations during internship at Manappuram Finance
Education
Master of Business Administration (MBA) - Finance - Ballari Institute of Technology and Management (2024)
Bachelor of Commerce (B.Com) – General - Commerce - Shankar Annada Sing College (2022)
Pre-University Course (PUC) – Commerce - Commerce - Government PU College, M.M. Halli (2018)
SSLC - Vinayaka High School, M.M. Halli
