Santanu Kumar Sahu is a professional with over 10 years of experience in sales, credit operations, loan administration, collections, and customer service seeking a position in a reputed organization. He is currently the Territory Manager at TVS Credit Services Limited managing locations in Berhampur, Jeypore, and Rayagada. The document provides details of his career history, qualifications, skills, and contact information for consideration for open roles.

1. SANTANU KUMAR SAHU
Cell: 09337247830
e-mail: santanu_sahu2000@yahoo.com
Sriram Nagar, 2nd lane, Aska Road, Berhampur, Ganjam -760 002
Seeking assignments in Sales, Credit Appraisal/ Operation Management/ Collections/ Customer Service
with a reputed organization
Professional Synopsis
 A competent professional with 10+ years of experience in Sales, Credit Operations, Loan Administration,
Business Development, Collection & Operation Management , MIS, and Client Servicing.
 Presently associated with TVS credit services Limited as Territory Manager.
 Gained exposure in Personal, Consumer, Two Wheeler loans and Used car re-finance.
 Adept at evaluating loan proposals and sanctioning loans after appraising the solvency status and
recommending the loan amount after inspecting the various documents submitted for scrutiny.
 Proficient in ensuring effective execution of process operations, with regard to collections and operation
management, implementing procedures, and service standards excellence.
 Possess excellent interpersonal, communication and organizational skills with demonstrated abilities in team
management & customer relationship management.
 A strong & effective communicator possessing interpersonal & people skills with an accurate sense of analysis &
problem solving. Excellent team building and leading skills.
 Taking Care of Berhampur, Jeypore and Rayagada location Monitoring & controlling sales, delinquency and
credit loss.
 CAREER HIGHLIGHTS
 Growth Path:
 Aug 2016 to Till date Territory Manager(Berhampur,JYP and Rayagada) TVS credit services
limited
 Mar2013 to Aug2016 Credit and Sales manager (Berhampur) Bajaj Finance Ltd
 Jan2012 to Feb2013 Head-Credit & Operation (Bhubaneswar – AO) Bussan Auto Finance
 June 09 to Dec2011 Branch Operation manager (Bhubaneswar –RO) BAJAJ AUTO FINANCE
 Dec'08 to June09 Branch Operations Manager (Chandigarh-RO) BAJAJ AUTO FINANCE
 Aug’07-Nov’08 Operations Officer (Chandigarh)-Additional responsibility assigned e.g. Credit job for
TW segment BAJAJ AUTO FINANCE
 Oct05'-Jul’07 MIS Officer (Chandigarh) BAJAJ AUTO FINANCE
 May-04-Dec04 MIS Executive Citi collection India Pvt
ltd
 Sept’03–April’04 Computer Operator STG international Ltd

2. Key Deliverables
 Evaluating loan proposals and sanctioning loans after appraising the solvency status.
 Preparing and checking loan applications as well as recommending the loan amount after inspecting the various
documents submitted for scrutiny.
 Looking into Operation management, monitoring and follow-up to ensure that the asset remains a performing
asset and does not slip to non-performing status.
 Responding to specific queries of the customers and taking steps to solve them.
 Interfacing with clients for understanding their requirements & suggesting the most viable solution and
cultivating relations with them for customer retention & securing repeat business.
 Customer service to ensure walk in customers issues,
 Customer service related issues at the Branch office for walk in customers and requests assigned to the branch
through CRM for the customers who directly calls up the call center.
 Monitoring the timely collection of pending RCs from the dealer and report the same to the regional office
weekly basis for system updation.
 Preparation of Production reports and MIS, MIS data analysis, report generation
 Exceptionally Good knowledge of MS-Excel, software usage like CRM, Finnone (Retail Loan Software), MS-
Access.
Career Highlights
Job Role & Responsibilities
 Generating Sales through channel partner’s Sales promotion through dealers and DSA to generate business for the
company.
 Channel Management.,Team Management.Training of the dealers staff and DSA.
 Execution and Monitoring of various activities.
 Help the dealers and DSA to generate more sales, results into more revenue and profitability for sustainable
business.
 To search for other options and potential areas.
 To achieve sales target in the assigned territory.
 Responsible for dealer management.
 To appoint new dealer in vacant area for proper area coverage.
 Appointments of trained manpower in adequate quantity at dealership.
 Responsible for Collection from dealers.
 Responsible for Primary as well as Secondary Sales Volumes
 Imparted training to Operations & Marketing Team to enhance customer satisfaction by reducing errors.
 Handling exceptional approvals and adhere to control parameters for each function.
 Preparing weekly and monthly scorecards for MIS.
 Ensuring operations compliances at the branches and standardization of functions.
 Monitoring all banking activities for PDC management, refund related issues.
 Ensuring error free scrutiny of documents and achieving Zero defect mark.

3.  Attending to clients (individuals/corporate clients) concerns and complaints and undertaking steps for effectively
resolving them.
 Work with Managers on setting performance benchmarks and reviewing them on a regular basis.
 Problem-solving, analytical and networking skills across various functions.
 Managing customer centric banking operations & ensuring customer satisfaction by achieving delivery & service
quality norms.
Education
2009 Master of Business Administration (MBA) specializing in Finance from I.G.N.O.U.
2007 Completed PGDIM (Post Graduate diploma in management) from IGNOU
2006 Completed DIM (diploma in management) from IGNOU
1996 M.Com from Berhampur University, Orissa
1994 B.Com from Berhampur University, Orissa
Technical Qualification: One year course from Aptech Computer Education, Orissa.
Personal Details
Date of Birth: 18th
may 1976
Permanent Address: Sriram Nagar, 2nd
lane, Brahmapur, Dist-Ganjam, Orissa
Languages Known: Hindi, English, Oriya, Bengali, and Telugu
References: Available on Request