Santosh Kumar Maharana

Santosh Kumar Maharana has extensive experience in credit management within the banking sector, currently serving as the Zonal Credit Manager for West & South Zone at Utkarsh Small Finance Bank since May 2019, specializing in credit underwriting for various loan products. Previously, Santosh held multiple roles at DCB Bank from September 2012 to May 2019, including Regional Credit Manager, focusing on SME and MSME credit proposals and compliance with regulatory guidelines. With a foundational career at Axis Bank and BASIX, Santosh has developed robust skills in credit appraisal, risk assessment, and portfolio management, supported by a strong academic background in finance, including an MBA and certifications in banking.