Resume of Narayon Chandra Saha
Micro Finance specialist
Address : 17/1 Bhoirab Stand Road. Khulna
E-mail Address : ncs@narayonsaha.com
Mobile Number : 01854230235
OBJECTIVES
To obtain a challenging position as an Area Manager in a reputed organization where I can apply my experience in field operations, branch management, team leadership, monitoring, reporting, and target achievement. I also aim to utilize my PHP/MySQL programming and problem-solving skills to improve data management, reporting systems, and overall operational efficiency while contributing to the sustainable growth of the organization.
PROFESSIONAL SUMMARY
Experienced development sector professional with 20+ years of management experience, including 5 years as an Area Manager and 15 years as a Branch Manager, along with 3 years of practical experience in PHP and MySQL. Skilled in branch and field operations, team leadership, target achievement, monitoring, reporting, loan and collection management, and staff development. Also experienced in web application development, database management, software troubleshooting, and customized reporting systems.
WORK EXPERIENCE
AREA MANAGER | Development Sector / NGO-MFI
Duration: 5 Years
Managed multiple branches and field operations, supervising Branch Managers and field teams. Monitored portfolio quality, recovery, savings, MIS, and operational performance. Developed action plans to improve branch performance and ensured compliance with organizational policies and procedures. Provided coaching and guidance to field teams and coordinated with senior management.
EDUCATION
Master of Commerce (M.Com)
Diploma-in-Computer
WORK SAMPLES & PORTFOLIO HIGHLIGHTS
KEY PORTFOLIO HIGHLIGHTS
Members: 3,608
Loanees: 2,524
Savings Portfolio: BDT 2,98,51,897
Outstanding Portfolio: BDT 10,97,57,407
Overdue Portfolio: BDT 1,04,90,053
PAR: 12.34%
OTR: 95.16%
WEB DEVELOPMENT & PHP/MYSQL PROJECTS
PSS Management System - https://narayonsaha.com/
Microfinance Management System - https://mf.narayonsaha.com/index.php
Web Development Project - https://pss.narayonsaha.com/
PROFESSIONAL SKILLS & COMPETENCIES
- Area & Branch Operations Management
- 98%
- Branch Monitoring & Supervision
- 95%
- Planning, Implementation & Follow-up
- 90%
- Target Setting & Achievement Monitoring
- 100%
- MIS & FIS Reporting
- 100%
- Portfolio Management & Performance Analysis
- 95%
- Financial & Operational Reporting
- 95%
- Accounting & Financial Management
- 90%
- Data Analysis & Decision Making
- 90%
- Office Administration & Management
- 95%
- Client/Member Relationship Management
- 90%
- Risk Identification & Problem Solving
- 90%
- Staff Development, Coaching & Motivation
- 90%
- Communication, Coordination & Negotiation
- 90%
COMPUTER & TECHNICAL SKILLS
- Email & Digital Communication
- 95%
- Web Page Design & Web-based Applications
- 95%
- Hyper Text Markup Language -HTML
- 90%
- PHP Programming Language
- 85%
- Cascading Style Sheets - CSS
- 85%
- Microsoft Office Suite (Word, Excel & PowerPoint)
- 95%
- MySQL Database Management
- 95%
- JavaScript
- 50%
- Graphic Design
- 80%
- Video Editing
- 70%
LANGUAGE SKILLS
- Bengali
- 95%
- English
- 75%
PERSONAL ATTRIBUTES
- Strong Leadership & Team Management
- 90%
- Excellent Communication & Interpersonal Skills
- 95%
- Target & Result Oriented
- 90%
- Strong Field Supervision & Monitoring Skills
- 95%
- Effective Decision Making & Problem Solving
- 95%
- Staff Motivation & Performance Management
- 95%
- Strong Planning & Organizing Ability
- 90%
- Good Analytical & Reporting Skills
- 95%
- Ability to Work Under Pressure & Meet Deadlines
- 90%
ARTIFICIAL INTELLIGENCE SKILLS
- AI-Assisted Data Analysis
- 90%
- AI-Powered Decision Support
- 90%
- Effective Use of Generative AI Tools (ChatGPT, Gemini & Microsoft Copilot)
- 90%
- AI-Assisted Report Writing & Documentation
- 95%
- AI-Assisted Presentation & Business Communication
- 95%
EDUCATION :
| Institution Name: Azam Khan Govt. Commerce Collage, Khulna | |
| Education board/university : National University | |
| Session 1999-2000 | Subject : Management |
| Passing year 2000 | Examination : Masters |
| Group Name : Commerce | |
| Result : 3rd | |
| Institution Name: Azam Khan Govt. Commerce College, Khulna | |
| Education board/university : National University | |
| Session 1995-1998 | Subject : Management |
| Passing year 1998 | Examination : Honors |
| Group Name : Commerce | |
| Result : 2nd | |
| Institution Name: Azam Khan Govt. Commerce College, Khulna | |
| Education board/university : Jessore Education Board | |
| Session 1993-1994 | Subject : Accounting, Economics and Statistics |
| Passing year 1995 | Examination : H.S.C |
| Group Name : Commerce | |
| Result : 2nd | |
| Institution Name: Model Hight School, Khulna | |
| Education board/university : Jessore Education Board | |
| Session 1991-1992 | Subject : Science, Accounting and Agriculture |
| Passing year 1993 | Examination : S.S.C |
| Group Name : Science | |
| Result : 1st | |
TRAINING & PROFESSIONAL DEVELOPMENT
| From 02-11-2025 to 06-11-2025 | Institute Name : Palli Karma-Sahayak Foundation |
| Total Duration 5 days | Training Title : Micro enterprise Management and Financing Strategy |
| From 14-09-2025 to 18-09-2025 | Institute Name : Palli Karma-Sahayak Foundation |
| Total Duration 5 days | Training Title : Risk Management |
| From 04-02-2021 to 07-02-2021 | Institute Name : RDRS |
| Total Duration 4 days | Training Title : Micro Finance Organization Operation and Management. |
| From 03-02-2019 to 07-02-2019 | Institute Name : Palli Karma-Sahayak Foundation |
| Total Duration 5 days | Training Title : All Kinds of risk in Micro Finance Organization. |
| From 01-09-2009 to 30-09-2009 | Institute Name : Shakti Foundation for Disadvantaged women |
| Total Duration 1 Month | Training Title : All Kinds of Office management |
| From 02-11-2002 to 27-02-2003 | Institute Name : Youth Development Department |
| Total Duration 4 Months | Training Title : Basic Computer, MS Office, Internet and Graphic Design. |
EXPERIENCE:
Area Manager
Progoti Samajkallyan Sangstha (PSS) 02-05-2024 to Present |
|
| Responssibilities : | |
| Area and Branch Operations Management
Branch Monitoring and Supervision Loan Verification and Portfolio Monitoring Staff Management and Performance Evaluation MIS and FIS Reporting Monthly and Annual Performance Reporting Target Setting and Achievement Monitoring Annual Budget Preparation and Implementation Recovery and Collection Monitoring Action Plan Development and Follow-up Staff Coaching, Motivation and Development |
|
| Achievement : | |
| Member-3608,Loanee-2524,Saving-2,98,51,897 Outstanding-10,97,57,407 Overdue-1,04,90,053, PAR- 12.34%, OTR- 95.16%. | |
|
Assistant Area Manager
Uttara Development program Society (UDPS) 14-06-2023 to 11-01-2024 |
|
| Responssibilities : | |
| Area and Branch Operations Management
Branch Monitoring and Supervision Loan Verification and Portfolio Monitoring Staff Management and Performance Evaluation MIS and FIS Reporting Monthly and Annual Performance Reporting Target Setting and Achievement Monitoring Annual Budget Preparation and Implementation Recovery and Collection Monitoring Action Plan Development and Follow-up Staff Coaching, Motivation and Developmen |
|
| Achievement : | |
| Member-3025,Loanee-2275,Saving-2,80,79,480, Outstanding-17,52,84,480, Overdue-2,55,65,235, PAR- 16.4%, OTR- 91.25%. | |
|
Branch Manager
SKS Foundation 19-06-2022 to 07-06-2023 |
|
| Responssibilities : | |
| Monitoring
Loan Verification Office Management Staff Management Reporting (MIS and FIS) Monthly Reports Planning and implementing the plan Annual budget |
|
| Achievement : | |
| Member-600, Loanee-520, Savings-48,52,627 Outstanding-2,30,06,021 Overdue-14,400. PAR-0.27% OTR-99.63% | |
|
Branch Manager
RDRS Bangladesh 01-03-2020 to 30-06-2021 |
|
| Responssibilities : | |
| Monitoring
Loan Verification Office Management Staff Management Reporting (MIS and FIS) Monthly Reports Planning and implementing the plan Annual budget |
|
| Achievement : | |
| Member-1600, Loanee-1420, Saving-1,10,52,630 Outstanding-2,85,06,025 Overdue-3,48,625, PAR-3.45%, OTR-96.07%. | |
|
Branch Manager
Shakti Foundation for Disadvantaged women 01-10-2009 to 03-07-2015 |
|
| Responssibilities : | |
| Monitoring
Loan Verification and Loan distribution Accounting Office Management Data Entry Reporting (MCIS and FIS) Group Mobilization Awareness buildup among the target People/Community |
|
| Achievement : | |
| Member-1603, Loanee-1496, Savings-36,45,876 Outstanding-1,15,05,265 Overdue-8,20,586 PAR-8.13% OTR-98.02% | |
|
Junior Officer
Shakti Foundation for Disadvantaged women 01-12-2005 to 30-09-2009 |
|
| Responssibilities : | |
| Money Transaction with benficiary
Group Mobilization Awareness buildup among the target People/Community. Prepare for a Loan. |
|
| Achievement : | |
| Member320, Loanee -298, Savings -10,25,365, Outstanding 55,12,127. Overdue-2.25.458, PAR-5.09%, OTR 99.02%.
Achievement : |
|
Personal :
| First Name | : | Narayon Chandra |
| Last Name | : | Saha |
| Father Name | : | Late Jiban Chandra Saha |
| Mother Name | : | Late Momota Saha |
| Spouse Name | : | Lucky Saha |
| Present Address | : | 17/1 Bhoirab Stand Road. Khulna |
| Permanent Address | : | Vill: Shalnagor Post: Jhaudanga UP: Lahagara Dist: Narail |
| Sex | : | Male |
| Marital Status | : | Married |
| Religion Name | : | Hindu |
| Nationality | : | Bangladeshi |
| National ID Number | : | 1923534661 |
| Birth Day | : | 01-01-1978 |
| Height | : | 5 ft 10 inch |
| Weight | : | 79 Kilogram |
| Blood Gorup | : | A Positive |
| Contract Number | : | 01854230235 |
| E-Mail Address | : | ncs@narayonsaha.com |
| Web Address | : | narayonsaha.com |
Reference :
| Name | : | Md. Monir |
| organazation Name | : | National Development Programme |
| Position | : | Zonal Manager |
| Address | : | Pabna |
| Mobile Number | : | 01711351495 |
| : | mdmonir4619@gmail.com | |
| Name | : | Md. Abu Sayed |
| organazation Name | : | Piddim Foundation |
| Position | : | Regional Manager |
| Address | : | Gazipur, Dhaka |
| Mobile Number | : | 01812477158 |
| : | rjsayed50@gmail.com | |
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