Pronob Paul

Overall 14 yrs of experience on Portfolio Management, Budget for the dept, Policy Implementation, market Survey, Employee Management 

Product: Business Loan, Working Capital, Lap, HL, Gold Loan, JLG Microfinance Loan, TW

Regional Credit Head (Business Loan) | ASHV Finance Limited | April 2023 – Present | Location: Kolkata and Lucknow
 Lead a team of Credit Manager to consistently performance on quality credit underwriting of the proposals. 
 Implemented a new credit strategy that increasedquality credit cycle efficiency. 
 Portfolio analysis. Rejectection reasons analysis, Collection analysis, DSA/Channels office, Vendor office visit 
 Conducted credit forecasting, analyzed market trends, and presented branch performance reports to the 
executive team. 
Regional Credit Manager (Micro Home Loan) | Bandhan Bank | April 2022 – April 2023 | Location: Kolkata HO 
 Taking care of organization entire Micro Home Loan portfolio for WB, . 
 Collaborated with credit teams to delevered quality disbursment for HL application. Monitoring TAT, Collection 
performance, Enduse checking, Legal and technical follow up. 
 Utilized data analysis to identify trends, monitor key performance indicators (KPIs), and make data-driven credit 
decisions. 
 Collaborated with Dept. seniors and support team formulate budgets and Implementing to improve 
department requirements. 
 Developed excellent working knowledge of industry trends and improvements in processes among within 
the dept. 
 Inspected products and services to comply with quality standards. 
 Promoted safe working environment by implementing regulatory standards, policies and guidelines. 

 Trained and mentored employees to maximise team performance. 
Territory Credit Manager (BL, LAP, TW) | Fullerton India Credit Company Ltd. | Jul 2019 – April 2022 | Location: North 
Bengal 
 Evaluating the creditworthiness of potential customers of Unsecured BL, TW, LAP for the assign Territory. 
 Ensure healthy portfolio for strategic business with minimum delinquency 
 Monitoring Disbursement with maintaining with TAT, Vendor Management, loan payments and Collections 
 Reviewing and updating the company's credit policy with ensure accurate submission of daily, weekly plan, 
monthly MIS within the team. 
 Thrived in fast-paced environment with energy and enthusiasm. 
 Diffused challenging situations using conflict management techniques 
Asst. Credit Manager (BL, LAP, HL) | Jana Small Finance Bank | Dec 2018 – July 2019 | Location: Kolkata 
 Handling credit Underwriting of Unsecured BL, HL, LAP Cases 
 Analysis of all customer related information in line with credit & risk policy to check eligibility 
 Customer Business /Residence CPV, CAM preparation and recommendation to further stage to DB 
 Maintain MIS, Data Managment and reporting to the seniors. 
 Managed credit quality & control delinquencies, frauds, Understand credit policy as well as Credit environment of 
LIP segment. 
 Categorizing customer profile into Low, Medium, High risk with business profile, bureau reports, banking habits 
,TRC 
 Ensuring all loans and lending procedures comply with regulations 
Cluster Manager-Microbanking | Ujjivan Small Finance Bank | July 2015 – Dec 2018 | Location: Kharagpur 
 Individual visit and sanction with maintain end to end policy and process of Unsecure Business Loan and Personal 
Loan 
 Implement Credit policies and processes for Unsecured Microfinance Loans in the field and review existing IL 
policies/processes and raise recommendation. 
 Sample visit check to ensure quality of customer acquisition. 
 Supporting business flow by ensuring efficient resource allocation and productivity through daily & weekly 
planning & monitoring. 
 Visit risk branches, sub lending cases, understand the field condition & recommend the corrective actions. 
 File error, rejection reason analysis and updating of all rejection in system. 
 Ensure timely & accurate submission of daily, weekly plan & monthly MIS reports for self and consoled for team. 
 Drive on collection from NPA and Write Off cases of Group loans / Individual loans a/c's. 
 Collection from death insurance, Write off settlement. 
 Sample visit of NPA & W/off accounts and recommendation of LDN. 
 Maintain compliance and fare collection process on field level. 
 Provides helpful, behaviorally specific feedback to others by regularly meets with staff to review. 
Gold Appriser | IIFL Gold Loan | Oct 2011 – July 2015 | Location: Kolkata
 End to end loan process like Gold analysis, testing & valuation & Disbursed 
 Joint custodian of branch cash, gold & Vault room, maintain branch operation dept 
 Customer calling & marketing activities to Achieve budget targets 
 Custodian of branch petty cash, main cash And Vault 
Officer | Manappuram Gold Loan | Feb 2011 – Oct 2011 | Location: Kolkata
 End to end loan process like Gold analysis, testing & valuation & Disbursed 
 Joint custodian of branch cash, gold & Vault room 
 Customer interaction for receiving Feedback & providing efficient customer service 
 Maintain branch operation dept 
 Customer calling & marketing activities to Achieve budget targets 
 Custodian of branch petty cash, main cash And Vault 
 Verify loan documents, KYC & process for next level 
 Visit and collection from overdue a/c's. 

Master of Business Administration (MBA) | IIBM Institute of Business Managment | 2023 
 Relevant Courses: Banking and Financial service managment, Retail Managment 
Executive Master Program in Business Administration (MBA) | IIBM Institute of Business Managment | 2021 
 Relevant Courses: Finance managment, Risk Managment 
B.Com | Barasat college ( Board : Calcutta University) | 2008 
 Relevant Courses: accounts 
Class XII | Aswini Pally High School (Board: WBBHSE ) | 2005 
Class X | Aswini Pally High School (Board: WBBSE) | 2003