Accomplished Banking Leader with a Proven Track Record:Orchestrating a cluster liability book size of Rs 4500 Cr. and assets of Rs 1000 Cr, driving cross-functional excellence in retail banking, operations, and business development over 25 years.Directing a team of 19 Branch Managers to manage corporate clientele relationships through strategic interaction and account mapping, ensuring a risk-adjusted portfolio contribution.Driving retail banking excellence across regions, optimizing growth, operations, compliance, and customer satisfaction for superior P&L performance.Analyzing performance metrics including sales volume, customer acquisition, retention rates, and profitability to identify areas for improvement and track progress.Contributing to organizational success as Cluster Head by enhancing branch revenue, employee satisfaction, and compliance adherence.

•Managed the largest flagship HDFC branch of East region, Stephen House and Dalhousie Branch Kolkata.•Accelerated the growth liability of the branch book by Rs 450 cr in Stephen House and Rs 575 Cr in Dalhousie Branch.

•Managed branch profitability through fixed deposits, savings / current accounts, and ICICI group products like ICICI - Prudential Life Insurance and ICICI, Lombard & General Insurance. •Achieved 100% revenue target by sourcing business for Life Insurance, General Insurance, Mutual Funds, and Depositories Services and selling Forex & Trade Desk activities and Gold loans.•Turned around the Salt Lake Branch from a loss-making unit into a profitable unit within 1 year with a reduction in operational expenses to 84% against the annual target.•Attained excellent audit rating from the Internal Audit Department & Concurrent Auditors.•Attained a book size of Rs. 80 Cr. within one year of taking over the Branch.

•Developed sectorial deployment report, the monthly report on priority sector lending, capital adequacy report, and branch compliance report. •Worked as in charge of entire retail operations; managed accounts availing the credit facility.•Monitored front desk activities related to customer service and tele-calling activities for resource mobilization.•Developed and managed employee banking relationships of LIC and the Indian Army Salary accounts.