Jyoti Mishra

CEO

Kolkata, West Bengal, India9 yrs 9 mos experience

Highly Stable

Key Highlights

Over 10 years of experience in financial services.
Expertise in credit portfolio analysis and operational efficiency.
Proven track record in reducing non-performing loans.

Stackforce AI infers this person is a Fintech expert with a focus on operational excellence and project management.

Contact

Skills

Core Skills

Credit Portfolio AnalysisOperational EfficiencyCredit AnalysisDigital Platform ManagementProject ManagementBusiness AnalysisStakeholder EngagementStakeholder Management

Other Skills

CommunicationMIS ReportingTrainingAudit ManagementChange ManagementStrategy to ExecutionOperationsManagementCustomer RetentionCustomer JourneysVariance AnalysisRelationship DevelopmentPolicies & ProceduresBig-Picture ThinkingAnalytics

About

At Cholamandalam Investment and Finance Company Limited, as General Manager, I bring extensive experience in credit portfolio analysis, operational efficiency, and NCL management. With over 10 years of expertise in the financial services sector, my efforts focus on optimizing processes, leading audit responses, and reducing non-performing loans to align with the organization's strategic goals. My contributions include implementing process efficiency initiatives to enhance regional operations and spearheading project management strategies. I am passionate about fostering impactful change, leveraging strong analytical and leadership skills to deliver value to stakeholders. My work is guided by a commitment to operational excellence and customer-centric solutions in the BFSI landscape.

Experience

Cholamandalam investment and finance company limited

5 roles

General Manager

Promoted

Aug 2025 – Present · 7 mos · Kolkata · On-site

Oversaw credit portfolio analysis and managed audit responses for both internal and external stakeholders.
Implemented continuous process efficiency initiatives, enhancing operational management across the Eastern region.
Led non-performing loan (NCL) management strategies, resulting in a significant reduction in loss rates.
Spearheaded project implementation, monitoring, and control, ensuring alignment with organizational goals.

CommunicationMIS ReportingCredit Portfolio AnalysisOperational Efficiency

Sr Manager- Credit Analyst

Jul 2019 – Jul 2022 · 3 yrs

Leap digital platform management for end to end business disbursement, Credit portfolio review with Product team, Stock Liquidation Management & Audit and compliance adherence for Eastern region.

CommunicationMIS ReportingCredit AnalysisDigital Platform Management

Manager - Credit Analyst

Promoted

Jul 2017 – Jul 2019 · 2 yrs

Project leap - New application for end to end disbursement for sales Force .Post implementation Problems addressing required project team coordination. Project Vishesh implementation - This was about Vishesh card to our driver profile to cover incidental trip expenses,Audit and compliance, Training on Credit policy and norms.

CommunicationTrainingProject ManagementCredit Analysis

Deputy Manager- Analyst

Apr 2015 – Apr 2017 · 2 yrs · kolkata

This is movement to Kolkata from Chennai -HO , Knowing the people , establishing the connect to align on key assignment . Understanding the problem statement from business team for working on resolution/ system Gap solutions.

MIS ReportingBusiness AnalysisStakeholder Engagement

Deputy Manager-PMO

May 2012 – Jul 2014 · 2 yrs 2 mos · Chennai Area, India

Identified from 22 Management Trainees to take a lead to Central PMO Role working with McKinsey for working on New Business initiatives which include stakeholder management , BRD preparation development , testing and finally roll out plan. Using Mobile App for business disbursement was the revolution.

Change ManagementStrategy to ExecutionProject ManagementStakeholder Management