CA Mintu Kumar Sahu

As a Area Head- Retail Credit with a team lead role, my primary responsibility is to manage credit underwriting and operations, ensure timely loan sanctions and disbursements while maintaining the credit quality of the portfolio.I bring 13 years of experience in credit management, risk assessment, and portfolio management, having worked with some of the leading financial institutions in the industry ICICI Bank Ltd., PNB Housing Finance Ltd, IndusInd Bank Ltd.At present, I am leading a team of 13 members with credit professionals, overseeing the entire credit cycle, including credit appraisal, documentation, and post-disbursement monitoring. I have also implemented various credit policies and procedures to streamline the credit approval process, reduce turnaround time, and minimize credit risk.I possess a deep understanding of the credit industry, with expertise in credit analysis, credit scoring, and risk management. I have a proven track record of managing large portfolios while maintaining low delinquency rates and ensuring a high level of customer satisfaction.I hold a Chartered Accountants Certificate in Accounting and Finance, which has equipped me with the necessary analytical and problem-solving skills required for effective credit management. Additionally, I have also completed various professional certifications, including Bank concurrent audit certificate, which have enhanced my expertise in the credit industry.I am a results-driven professional who is committed to achieving organizational objectives while maintaining the highest