Looking for a job

Nirvayak Mohanty

@nirvayakmohanty

Message

I manage credit risk, loan portfolios, and channel partnerships in finance.

India

Message

What I'm looking for

I'm looking for a full-time role that offers greater challenge, supports my family's needs, and lets me help the company advance efficiently and productively.

I'm a Credit Manager at Arka Fincap Limited, managing diversified loan portfolios while maintaining asset quality and controlled credit exposure. I handle high-value, complex credit cases through financial, collateral, and risk assessment.

I've improved credit decision-making through financial and risk analysis, supported timely credit proposal processing, and proactively monitored portfolios to identify early risks and reduce delinquencies.

My background also includes credit operations, channel development at Tata Motors Finance Limited, and retail leadership roles managing teams, sales, customer relationships, accounting, inventory, and store profitability.

Experience

Work history, roles, and key accomplishments

Current

Credit Manager

Current

Arka Fincap Limited

Jun 2026 - Present (3 months)

Managing a diversified loan portfolio while maintaining healthy asset quality and controlled credit exposure. Improved credit decision-making through comprehensive financial and risk analysis, reducing potential default exposure.

Credit Management Risk Analysis Portfolio Management Regulatory Compliance Underwriting NPA Monitoring

Credit Officer

Arka Fincap Limited

Aug 2025 - Jun 2026 (10 months)

Evaluated applicant creditworthiness by assessing financial data, income, expenses, and credit history. Managed the loan lifecycle from application to disbursement, ensuring compliance with company policies and legal regulations.

Risk Management Loan Processing Compliance

State Coordinator in Channel Development

Tata Motors Finance Limited

Oct 2023 - Aug 2025 (1 year 10 months)

Identified, recruited, and onboarded potential channel partners. Provided guidance and support to partners, building and maintaining relationships while collaborating with sales and marketing teams.

Channel Development Partner Recruitment Relationship Management Sales Strategy Training

Store Manager

Anand Super Bazaar

Jan 2023 - Aug 2023 (7 months)

Developed business strategies to raise customer pool, expand store traffic, and optimize profitability. Met sales goals by training, motivating, and mentoring sales staff while ensuring high customer satisfaction.

Store Management Sales Strategy Customer Satisfaction Visual Merchandising

Store Manager cum Accountant

MobilePark

Jan 2017 - Jan 2023 (6 years)

Managed staff, sales and purchase entries in Tally, payment collection, bank deposits, and party payments. Handled account section management, customer relationship management, and GST return filing.

Tally ERP 9.0 Accounting GST Filings Staff Management Customer Relationship Management

Team Leader

Micromax Informatics Pvt. Ltd.

Nov 2015 - Jan 2017 (1 year 2 months)

Guided and worked with the team to achieve targets, collected daily reports from the team, and forwarded them to head office. Fostered positive employee relationships through communication, training, and development coaching.

Team Management Reporting Training Coaching

Store Manager

The World

Nov 2013 - Oct 2015 (1 year 11 months)

Trained, supervised, and appraised staff while managing budgets and maintaining statistical and financial records. Oversaw pricing and stock control, maximizing profitability and meeting sales targets.

Store Management Budgeting Staff Supervision Stock Control Sales Target Achievement

Assistant Store Manager

The World

Nov 2011 - Oct 2013 (1 year 11 months)

Assisted the Retail Store Manager in planning and implementing strategies to attract customers. Coordinated daily customer service operations and tracked progress of weekly, monthly, quarterly, and annual objectives.

Retail Operations Customer Service Inventory Management Strategic Planning