Open to opportunities

niranjan moharana

@niranjanmoharana

Message

I drive branch growth, customer retention, and high-performing banking teams.

India

Message

What I'm looking for

I'm looking to lead branch operations and business growth, build high-performing teams, exceed sales targets, and deliver exceptional customer service.

I've led branch operations and business growth at Unity Small Finance Bank, managing daily banking activities, customer service, sales, compliance, and financial performance. Previously, at Centrum Microcredit, I introduced employee performance monitoring that improved engagement by 85% and a loyalty program that increased customer retention by 90%.

Across Asmitha Microfin and Share Microfin, I've prepared financial reports, resolved customer issues, managed teams of 15 employees, and built feedback systems that improved customer service by 70%. I'm motivated by surpassing targets, building lasting customer relationships, and creating a culture of innovation.

Experience

Work history, roles, and key accomplishments

Branch Manager

Unity Small Finance Bank Limited

Nov 2021 - May 2026 (4 years 6 months)

Managed and supervised branch daily activities, ensuring efficient transactions and compliance with banking regulations. Drove business growth by promoting banking products, meeting sales targets, and expanding customer base. Monitored financial performance and implemented strategies to achieve revenue and profitability goals.

Branch Operations Customer Service Sales Business Development Financial Performance Compliance

Branch Manager

Centrum Microcredit Private Limited

Nov 2019 - Oct 2021 (1 year 11 months)

Developed and implemented a system to monitor and analyze employee performance, resulting in an 85% improvement in employee engagement. Established a customer loyalty program resulting in a 90% increase in customer retention.

Employee Engagement Customer Loyalty Programs Customer Retention

Assistant Branch Manager

Share Microfin Limited

Jul 2017 - Oct 2019 (2 years 3 months)

Resolved customer issues and complaints quickly and effectively, resulting in an 80% improvement in customer retention. Effectively managed a team of 15 employees to complete tasks on time and within budget. Developed a system to track customer feedback and complaints, resulting in a 70% improvement in customer service.

Customer Service Team Management Complaint Resolution

Field Credit Assistant

Asmitha Microfin Limited

Aug 2008 - Jun 2017 (8 years 10 months)

Assisted in the preparation of financial statements, budgets, and forecasts. Generated monthly reports for management, highlighting key trends and areas for improvement.

Financial Statements Budgeting Forecasting Reporting

Education

Degrees, certifications, and relevant coursework

Aryabhatt Software Academy

Post Graduate Diploma, Computer Applications

2011 - 2012

Completed a Post Graduate Diploma in Computer Applications, gaining in-depth knowledge and practical skills in computer applications and software development.