Dharm Das Mishra
Branch Credit Manager at Roha housing finance Private limited
- Role
- Credit Manager at Roha Housing Finance
- Location
- Satna, MP, IN
- LinkedIn followers
- 500 followers
About Dharm Das Mishra
Under looking the Product of Salaried,SENP,LAP,EBL,PLI • Office or Business place visit of customer and Personal Discussion for analysis of customer • Positive case of file Prepared recommendation for approval • Risk control and portfolio management
Experience
Credit Manager
Sep 2024 — Present · Satna, IN
Looking Secured Business Loan against to property (LAP) and home Loan, handling 3 Branches including Rewa,Satna & Sidhi. We are funding loan to Self Employed Business Profile/ Salaried Profile/Unsecured Mudra Loan • Having sanction authority 15 Lacks & PD Rights of 50Lakhs • Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations • Team management & Grooming of the team to achieve their respective targets. • Managing the Delinquency of the business sourced to ensure health of portfolio • Negotiated repayment plans with debtors who were unable to pay their full balance due immediately • Provided guidance and support to other departments regarding the development of new credit policies and procedures • Analyzed financial data to determine the degree of risk involved in extending credit. • Collaborated cross-functionally with sales, management and other departments to maintain effective operations • Identified possible issues with credit systems and monitoring by streamlining processes ahead of time. • Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
Education
Board of Secondary Education, Madhya Pradesh
Bachelor of computer application , Computer Science
APS University rewa
Bachelor of computer Application-BCA, computer
2007 — 2010
Integral University, Lucknow, Uttar Pradesh
Master of Business Administration - MBA, Finance, HR
2018 — 2020
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