Regional Head - East (Saathi)

Accountable for handling Retail Business –Loan against Property & Unsecured Business Loan & EDI Funding in and around Kolkata. To own the client relationship with excellent service both at the level of acquisition and post-acquisition. Monitoring exsting portfolio to ensure portfolio quality and alert top management on any serious irregularity. To build a high quality portfolio in line with the Company’s risk appetite and strategy, ensure end-use of funds by monitoring account operations & to assist ZBH on recovery and NPA management on regular basis. Handling a team of 6 Sales Managers & 50 plus DSA and Direct Business. Implemented certain basic things in the Team like DSR maintaining, Mandatory Cold Callings. People management, including all HR related issues, as well as staff development. Motivation, leadership for a team & and developing future leaders. Conducting performance appraisal for the team. Work very closely with members to solve customer problems. Also need to understand team’s problem and weakness and address those.

 Accountable for handling Retail Business –Loan against Property & Unsecured Business Loan & EDI Funding in and around Kolkata. To own the client relationship with excellent service both at the level of acquisition and post-acquisition. Monitoring exsting portfolio to ensure portfolio quality and alert top management on any serious irregularity. To build a high quality portfolio in line with the Company’s risk appetite and strategy, ensure end-use of funds by monitoring account operations & to assist ZBH on recovery and NPA management on regular basis. Handling a team of 6 Sales Managers & 50 plus DSA and Direct Business. Implemented certain basic things in the Team like DSR maintaining, Mandatory Cold Callings. People management, including all HR related issues, as well as staff development. Motivation, leadership for a team & and developing future leaders. Conducting performance appraisal for the team. Work very closely with members to solve customer problems. Also need to understand team’s problem and weakness and address those.

 To own the client relationship with excellent service both at the level of acquisition and post-acquisition. Appraising Credit Proposals Pertaing to working capital facilities like Cash Credit,OD, Term Loans, WHR,Bill Discounting, LCBD, PC (Pre+Post), LC (Inland/Foreign), BG of Clients belonging to BBG segment with specialisation in Channel Financing & Warehouse Finance (WHR Loan) Monitoring exsting portfolio to ensure portfolio quality and alert top management on any serious irregularity. To build a high quality portfolio in line with the Bank’s risk appetite and strategy, ensure end-use of funds by monitoring account operations & to assist RRM on recovery and NPA management on regular basis. To provide other Credit facility along with the trade limits as required by the customer. Handling outward & inward remittances. To analyse the customer‘s first point creditworthiness.  To understand customer’s requirement and provide them right financial package within the product limits. To Co-ordinate with clients, senior officers and administrative executives at every phase of the proposal from documentation till the disbursement of the proposal. To achieve the business budget through volume & revenue mix. To appoint Channel Partners to increase the volume of business and driving business through these channels.

 From Nov’08 accountable for handling Retail liability & mobilisation of retail and corporate deposit.  Implemented certain basic things in the Team like DSR maintaining, Mandatory Cold Callings. Handling outward & inward remittances. People management, including all HR related issues, as well as staff development. Motivation, leadership for a team and developing future leaders. Conducting performance appraisal for the team. Work very closely with members to solve customer problems. Also need to understand team’s problem and weakness and address those.

 Accountable for handling Retail Business – Personal Loans & Business Loan in Kolkata from Nov”05 to Nov’”08. From Sep’08 accountable for handling Retail liability team & mobilisation of retail and corporate deposit.  Handling a team of 8 DSR and 5 referral Partners Implemented certain basic things in the Team like DSR maintaining, Mandatory Cold Callings. People management, including all HR related issues, as well as staff development. Motivation, leadership for a team of 5 and developing future leaders. Conducting performance appraisal for the team. Work very closely with members to solve customer problems. Also need to understand team’s problem and weakness and address those. In total three year several times became Centre Toper in terms of business.

 Accountable for handling Branch Business. Handling a Team of 15 people (Direct Sales) and responsible for entire eastern region business.

 Accountable for handling a team for underwriting of shares. Worked with the team of professional responsible for lead managing for companies listing in stock exchange