Kunal Ghosh Email & Phone Number

Kolkata, Wb, In

Bihar, India

In Regional Business Head profile , I am responsible for overseeing and managing the retail lending operations of Bihar (East).My Job Key responsibilities include driving business growth by developing and executing strategies for retail loans ensuring compliance with regulatory requirements, managing relationships with key stakeholders, and leading a team of sales and operations professionals. The role requires strong leadership, financial acumen, and an ability to analyze market trends to optimize loan portfolio performance.

Bihar || West Bengal

Responsibilities:Responsible for unsecured business (GL, GL to IL conversion, IL open market) in the assigned cluster to meet the financial goals by creating sales strategies & ensure the branches under assigned cluster is being profitable and the financial budget is being met.Responsible for managing 24 Branches & a team size of 577 staffs and the portfolio of 1210 cr.Responsible managing liabilities business (Third Party producs, Savings accounts /current account opened) from all existing customers and monitor on minimum balance. Prepare business plan and financial budget for the branches in the assigned cluster. Distribute and implement budget for every financial year for the branches in co-ordination with the CRMs & Area Manager.Ensure targets are assigned & met by the branches by adhering to internal and regulatory compliance; Monitor the branches performance.Ensure the team is coordinating with Product and marketing team to drive campaigns on all the branches under assigned cluster; ensure exceptional customer service; Co-ordinate with external stakeholders .Ensure surveys are conducted timely to open up new branches and achieve BEP at earliest.Ensure Recruitment of all branch staffs are in line with manpower budget; monitor the hiring, training and evaluation process of the employees in the branches.Monitor the business growth through Area manager and focus on branches where there are more shortfalls in achieving target. Ensure Portfolio quality is maintained and adherence of credit polices by the branches.Undertake initiatives to control overdue such as timely review and recovery; ensure action plan in place and it’s followed by the branches. Maintain and updates the supervisor on information about competitors in the assigned cluster.

Burdwan, West Bengal, India

Responsibilities:Responsible for managing 11 Branches and a team size of 277 staffs and the portfolio of 431 crore. Oversee all field operations activities with in area including setting up new branches.Responsible to ensure overall branch performance and profitability.Maintain Complete Information of Competition operating in the area.

Balurghat, West Bengal, India

Responsibilities:Responsible for driving business targets for Un-secured loans and conversion of Existing Borrower for Liabilities Business.Ensure exceptional customer service, Pro-active sales emviourment and efficient branch operation while adhering regulation/compliance requirements.Implementation of Branch specific marketing and communication strategies.Undertake initiative to control NPA and educate clients about all product/Service offered by the Bank.

Siliguri, West Bengal, India

Responsibilities:A sanctioning authority responsible of Analysis of Loans as PSl and NON-PSL Policy manual to Micro and small Enterprise, Including Manufacturing, Trade & Service in the 9 branches of North Bengal. Responsible for initiating personal discussion before recommending proposal besides recording of factual events, verify the existing Business, Financial analysis of Business Place of PSL and Individual Loan customer.Organize weekly Hub Meeting with Credit officers, Loan officers and Branch Manager’s.Monthly Control of the target accomplishment. According to the quarterly targets established for Branches.

Barrackpur Cantonment, West Bengal, India

Roles:-As a Business Development Manager in Nemesis Hr Consultants my job role includes focus on targeting healthcare or pharmaceutical clients, understanding the specific HR needs of companies in this industry, and tailoring recruitment solutions to help clients find and onboard qualified medical representatives. As a BDM, I have to leverage my industry knowledge to create value propositions that highlight the expertise in sourcing talent for this specialized role.Responsibilities: Develop, maintain and Strengthen relationship with key clients, maintain forward visibility of all pipeline activities to ensure monthly and annual financial objectives. Ensuring all new business revenue targets are met both in terms of new sales and organic growth.Develop and implement in-company course sales plan, Identify and engage with new clients to meet growth targets.To maintain regular contacts with 7 BDE wonder me and maintain successful working relationship.To comply with all reporting, admin and sales process and procedures.

West Bengal, India

Roles:-As a MC Manager in L&T Finance my roles includes oversees branch operations, manages loan disbursement and recovery, ensures compliance, & meets financial targets. lead the team, build client relationships, promote financial inclusion & monitor portfolio quality to support branch growth and sustainability.Responsibilities:-Business development of New branch location and maintain a team of 5 Field executive.Lead the Field exec. In conducting market research and survey activities.Conduct regular visit and monitoring of clients and perform daily collection where necessary, maintain high level of Collection performance in accordance with specific periodic targets.Identify the potential business correspondents & MFI’s and maintain the relationship with them.Proper verification of KYC documents, preparation of JLG CAM and disburse loan to JLG by strictly adhering to all processes and compliance guidelines.Timely LUC of each and every client post-disbursement.Provides a superior level of customer relations and promotes the sales and service culture through coaching, guidance and staff motivations.Responsible for the administration and efficient daily operation of a full service branch office, including operations, Lending, Product sales, Customer Service, Security & Safety.

Kolkata, West Bengal, India

Roles:-As Branch Manager my job role includes overseeing branch operations, achieving loan disbursement and recovery targets, and managing risk associated with gold collateral. Key duties include appraising gold accurately, ensuring compliance with financial regulations,maintaining security standards, customer relationships, promote gold loan products, lead the branch team, and ensure excellent customer service to drive branch growth and profitability.Responsibilities:Calculation of LTV on the basis of Surplus and deficit calculation.Achieve new customer acquisition targets for the qtr. & conversion of NON BEP branch to BEP Branch and Dissemination of targets to sales team.Participate in community affairs to increase branch visibility and to enhance new and existing business opportunities.Responsible to ensure branch performance and profitability reports to ZBM.Review Gold Loan portfolio daily basis and ensure healthy portfolio quality of Collateral Pledged.Review account and process thorough audit and ensuring that the clients get disbursed with in 3 Minute TAT.

Behala

Roles:-In Arohan the role of Branch Manager includes managing loan disbursement and recovery, ensuring compliance with regulations, building strong client relationships,monitors risk, maintains portfolio quality,supports community outreach to grow the client base and promoting financial inclusion.Responsibilities:Maintain Portfolio (PAR) on daily basis and ensure healthy portfolio quality. Ensuring 100% OTRR of Loan amortization among the filed staffs and develop a work culture of “Zero tolerance on missed repayments.”Underwriting the Loans on the basis of 5 C’s of Credit.Ensure appropriate financial planning and contribute towards maximizing productivity with minimum cost.Ensure branch liquidity and accuracy of end of day closing.Ensure the activities performed by staff are according to established policies and procedure.

Durgapur, West Bengal, India

As a summer internship at SAIL (Steel Authority of India Limited) focusing on a comparative study on ratio analysis of Durgapur Steel Plan would involve analyzing the organization’s financial statements to assess its performance over time or in comparison to other Plants.The internship entail:Understanding Financial Statements: Gaining familiarity with SAIL’s balance sheet, income statement, and cash flow statement to extract key financial data.Calculating Ratios: Working on financial ratios such as liquidity ratios (e.g., current ratio), profitability ratios (e.g., return on assets), solvency ratios (e.g., debt-to-equity), and efficiency ratios (e.g., inventory turnover).Comparative Analysis: Comparing SAIL’s ratios over different periods in the steel Plants to evaluate financial health, operational efficiency, and profitability trends of DSP.Interpretation and Reporting: Interpreting the results to draw conclusions about the company’s financial performance, strengths, weaknesses, and areas for improvement, then compiling these insights into a report for presentation to College and management.This internship would provide hands-on experience in financial analysis, help develop analytical skills, and offer insights into the steel industry and corporate financial management.

West Bengal, India

Roles:-As a Business Development Executive my job role includes identifying and securing new clients, building relationships with businesses and individuals needing customized computer solutions,expanding market reach, analyze client needs, propose tailored products or services, and negotiate deals. Additionally, we collaborate with technical teams to ensure client specifications are met and stay updated on market trends to effectively promote products. The main goal is to drive sales, enhance client satisfaction, and contribute to the company’s growth.Responsibilities:-Prospect for potential new clients and turn into business.Planned approach & Pitches the product & build relationship with new clients.Track & record activity on account & help to close the deals to meet assigned targets.Identify opportunities for campaign, Product and distribution channels to increase sales.Attend industry functions and provide feedback & information on market needs.

Executive Certificate Program In Senior Leadership

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Master Of Business Administration - Mba, Finanace And Marketing

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Bachelor’S Of Commerce - Honors, Finance And Financial Management Services

Higher Secondary ( Kv Suranussi, Punjab ), Business Administration And Management, General

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