Saroj Kumar Sah
Banking Professional with 6+ years of experience in Branch Operations, Loan Management, Customer Relationship & Risk Compliance.
📍 Garuda-04, Rautahat • 📞 9815220806 • 📧 sarojsah7875@gmail.com
6+
Years of Experience
15+
Trainings & Certifications
500+
Clients Served
2
Banks Worked In
Professional Certifications & Trainings
Credit Appraisal Training
Muktinath Bikas Bank
2023
Operation Risk Management
MNBBL
2023
Micro Finance Management
MNBBL
2022
AML, CFT & KYC Compliance
MNBBL
2022
Credit Underwriting & Management
MNBBL
2022
Portfolio Quality Management
MNBBL
2023
Recovery & Risk Management
MNBBL
2023
Wholesale Loan Orientation
MNBBL
2023
Key Responsibilities & Initiatives
Branch Operations & Team Leadership
Leading daily branch operations, employee coordination, meeting deposit and loan targets.
Impact:
150% branch growth & high-performing team
Customer Relationship & PR Building
Established strong customer relations and improved public trust and client retention.
Impact:
500+ satisfied clients
Credit Proposal & Loan Management
Handled loan processing, credit appraisal, CICL reports, collateral inspection & recovery follow-ups.
Impact:
High loan recovery & low NPL ratio
Risk & Compliance Management
Ensured AML/CFT/KYC compliance, internal risk audits, fraud prevention procedures.
Impact:
100% regulatory compliance
Expertise Level
Career Milestones
Senior Officer – Muktinath Bikas Bank
Managing regional operations, $50M+ portfolio, business growth & team leadership.
Joined Muktinath Bikas Bank (Chandrapur Branch)
Branch operations, loan processing, PR building, customer relationship management.
Assistant – Rastra Utthan Laghubitta
Loan documentation, credit proposals, NRB reporting, client inspection & monitoring.
First Banking Experience
Started banking career after SLC, learned branch operations & customer handling.