Samrat Guha Email & Phone Number

Bengaluru, Karnataka, India

Bengaluru Area, India

The responsibilities include complete ownership of goals and objectives of the India Consumer banking franchise for the NRI Business P&L along with driving strategies.To create the right culture/energy in the team which consistently delivers superior Client Management and Service Standards under the overall Risk and regulatory governance leading up to the overall P&L and Balance Sheet of the consumer banking franchise.To ensure that all the branches are ensuring the delivery of the NRI business number apportioned to them for the respective year of delivery.Delivering superior customer journey for the NRI customer(s) in accessing, and managing their portfolio on the go and a single platform.Ensuring amalgamation of 500+ branches along with the customers and balance sheet. Ensuring a smooth transition of customer and balance sheet Carving out of NRI-dedicated focussed branches and strategies to cater to the Non-resident diaspora across the length and breadth of India. Successfully established various international corridors for acquisition roadmaps, processes, cross-border engagement policies and offshore customer penetration leveraging a one-bank strategy.~18k unique customers with a balance sheet of S$1.4Bn. ~S$18M is the delivery for Y23 , AUA grew by ~20% over PY.

Bengaluru Area, India

The responsibilities include complete ownership of the goals and objectives of the India Retail franchise in the respective market along with driving the right culture/energy in creating the team which consistently delivers superior Client Management and Service Standards under the overall Risk and regulatory governance leading up to the overall P&L and Balance Sheet of the India Retail franchise. The responsibility would also play a critical leadership role as the face of the India franchise to all local Regulators and other relevant Authorities.Managed 7k customers with a $60M balance sheet, overseeing product, sales, and operations teams.Hired, mentored and managed high-performance product, sales and operations teams.Managed and executed product roadmap to internal and external stakeholders toensure product positioning and customer satisfaction.Executed planning, strategy and customer management working closely with product teams, operations, platform services, customer support and relationship management teams.To analyse the client feedback to develop or refine processes and parameters on client management. Demonstrate ability to make quality decisions in different situations, and ability to manage multiple stakeholders (internal and external).Ensuring the run down of retail business is in line with the agreed targets and ensuring we create anenvironment of transparency in communication and greater staff engagement and customer journey.Implemented a robust Tail Management strategy to ensure superior customer support, quality assurance, and product support for 7k customers.

Bengaluru Area, India

Executed an additional responsibility for the Bancassurance Business for Karnataka along with Head Client Relationship Domestic and Non-Resident Business.6000 unique customers and an AUM of 5000 MIO AUADelivered $2M in overall revenue with a $60M balance sheet in 2012.Achieved bancassurance penetration for the year 2012 is 138% - the highest PAN INDIA for 2012 with 72% RM activation rate.Coordination with the central and the product teams on the deliverable and strategy forward. Ensured and executed customer complaint management within the TATRegulatory Licensing Process both for Life Insurance and General Insurance, successfully trained and mentored the workforce for the region. Established industry-leading 72% insurance activation rates and 83% persistency through robust sales processes and customer engagement strategies.Liasioning with Branch Operations/Central Operations on issuance, revenue mapping and attending to any queries from the SPs. Review and maintain MIS on Logged/issued business and subsequent incomisation statement preparation at the end of every month.Have created a unique tagging system with WM managers and Business Banking Managers. Every WM base is tele-called by the Client Experience Team, to ensure the Penetration of the book and the coverage initiated by the WM.De-Risking the Business and WM's concentration on clientsAll non-residential certification needs have been monitored and conceptualised.Product structures for NR clients have been tailor-made to suit different goals and objectivesAll event relating to NR clients needs to be organized and client engagement needs to be attained.Categorization of the books was done and this exercise was followed by the whole country.Compliance and control, implementation have been regularly visited to ensure controls and process adherence. NIL Freelook or Clawback for the year 2012 across all segments.

Bengaluru Area, India

Leading a team of Wealth Managers, Relationship Directors, Bancassurance Managers and Area Head overseeing 1000 customers, with an AUA of $52M and $1.2M revenue. YTD has been 100% of the performance contract.Successfully driven talent acquisition, product training, customer management, and portfolio strategies to optimize business delivery and product differentiation.Every WM base is called by the client experience teams, to ensure penetration of the book and coverage initiated by the WMDe-Risking the Business and WM's concentration on clients. All non-residential certification are monitored and executed on time Product structures for NR clients have been tailor-made to suit different goals and objectives as per customer need All event relating to NR clients needs to be organized and client engagement needs to be attainedCategorization of the books is done and this was one of the exercises followed by the whole country.Compliance and control, implementation have been regularly visited to ensure that the business is in adherence to rules of engagement

Bengaluru Area, India

Managed 600 customers with $42M AUA, delivering $750k revenue.Achieved 25% growth in net fee delivery.Implemented process for high-value customers and initiated elite X Men club, boosting revenue by 125%.De-Risking the Business and Wealth Manager's concentration on clients by creating additional engagement layers for the customersEnsuring and executing a mandatory second-layer contact management system for customers holding $400k.Each Insurance portfolio has been tracked and requisite change has been advised and implemented through portfolio and propensity modelling.All $400k and above portfolios have been analysed and specific portfolio discussion has been done. An action plan has been discussed, tracked and executed Most of the portfolio has been shifted to Model Portfolios, which enable us to track the same conveniently and accuratelyDaily updates to the Team in terms of the Market and the product-related features.Recruitment of Gaps in Wealth Managers – 12 WM has been recruited still a gap of 2 Wm. The challenge was to put the correct resources to the correct set of clients for business continuityEvery morning knowledge hurdles for the Team.Every Monday knowledge test on questions prepared both global and Indian financial marketsPersonally monitoring the timely closure of all items regarding RAF, NSDL Alerts, Customer Engagement Scores, Verbatim of all emails sent to clientsAll contests are designed internally to build productivity momentum throughout the year.Has started an Elite X Men Club, the criterion of the same has been 125% of revenue delivery month on month, taking the best from the region. Also opening the platform to all the members of the team

Kolkata Area, India

Led preferred banking team at 2 flagship branches, generating $750k revenue.Team comprised 7 relationship managers, 3 service managers.Implemented sales process, achieving $400k/FTE productivity. Relationship-based approach increased savings balance by 18% and branch revenue by 35% annually. Highest Revenue generating branch for the region FY08.An average productivity of $ 100k per FTE YTD. 80% of WM are above benchmarks.The Team has grown the SA NIR by 18% for the Year 2009Built update successful synergy between the in-house departments for cross-referencingIn the country Compliance Matrix, recognised as the best team in the country with ZERO clawback for the entire year in all products.We have been awarded as a fully certified team across all external and internal regulatory requirementsResponsibility includes updating the team with the time-to-time changes which take effect in the regular course of businessAny sales over $150k needed to be signed off by me( MF & Ins) to ensure proper verification based on customer profiles and needs Each record of the customer profilers has to be kept updated and regular discussion needs to be done if any change in the portfolio suggestionEvery WM manager on-boarded is compliant with all necessary certifications (external and internal)Acquisition strategies, through referral programs.All customer portfolios above $100k need to be analysed in CrisilTaking the WM through the process of weekly classroom sessions

Kolkata

Was responsible for setting up the Banassurance Insurance Business for CITI BANK East, under the umbrella of CITI Financial Insurance Services India Ltd.Was responsibile for training and the business devolopment for the Unit . Was responsible for regulatory related matters as well as internal control and compliance .Periodic updates on the market dynamic and way ahead with the central and strategy teams .Indepth analysis on the product and the proposition needs to be downloaded to the Team members .

Kolkata

Was responsible to Acquiring CITI GOLD Savings and Current Account and Fixed deposits.Was responsible for the highest growth for the channel .

Kolkata Area, India

Responsibility included acquisition of savings and current account relationship for CITI BANK N.A.

Llb, Law

Class Xii, Commerce