ABHIJEET BHATTACHARYA
Banking Professional
GAYA
Summary
- Seeking a position in Banking and Finance that can capitalize on in-depth experience of handling Sales, customer service and operation functions for over 8.5 years in Corporate Banking and Retail Banking.
- Hardworking and driven sales management professional equipped to revitalize sales operations and align procedures to maximize profits and client acquisition. Successful at improving sales procedures to streamline and strengthen processes. Multifaceted leader with analytical and diligent approach to building and leading strong teams.
- Focused Sales Manager committed to motivating others and offering extensive knowledge penetrating new territories and promoting product lines. Highly effective mentor driven to assess individual and group performance to implement improvements and set goals. Determined individual with background in establishing and nurturing lucrative partnerships.
Overview
9
9
years of professional experience
3
3
Languages
169
169
years of post-secondary education
Work History
SALES MANAGER (PERSONAL LOAN)
SMFG INDIA CREDIT COMPANY LIMITED
GAYA
10.2023 - Current
- In-depth Personal Loan Knowledge: Understanding personal loan products, interest rates, regulations, and competitor offerings is essential.
- Strong Sales Coaching & Training: Equipping your team with effective sales techniques and product knowledge is key to driving sales.
- Goal Setting & Performance Management: Set clear, achievable sales goals and track individual and team performance to identify areas for improvement.
- Data Analysis & Reporting: Analyze sales data to identify trends, optimize strategies, and create insightful reports for stakeholders.
- Recruitment & Talent Management: Build a high-performing team by attracting top talent and fostering a positive work environment.
- Communication & Motivation: Communicate clearly and inspire your team to achieve their full potential.
- Active Listening & Empathy: Understand customer needs and concerns to tailor solutions and build trust.
- Problem-Solving & Negotiation Skills: Help your team overcome challenges and negotiate win-win deals with clients.
- Compliance & Risk Management: Ensure your team adheres to all regulations and lending practices to minimize risk.
- Customer Service Focus: Develop a customer-centric team that prioritizes building positive relationships and providing exceptional service.
CUSTOMER RELATIONSHIP MANAGER
UJJIVAN SMALL FINANCE BANK
GAYA
01.2021 - 10.2023
- Created customer support strategies to increase customer retention.
- Made customers aware of current and new programs and services.
- Enhanced customer satisfaction by addressing and resolving customer queries, concerns, and complaints in a timely manner.
- Managed customer relations on ongoing basis to maximize customer retention.
- Managed a team of customer service representatives, providing coaching and guidance for improved performance.
- Collaborated with marketing teams to create targeted campaigns aimed at increasing brand awareness among existing customers.
- Liaised between customers and organization with particular focus on working with sales department.
- Developed long-term relationships with customers through personalized interactions, ensuring loyalty and repeat business.
- Trained and mentored new hires, creating a knowledgeable and efficient team that consistently met or exceeded performance targets.
- Offered internal and external customers first-rate customer service to maximize satisfaction and business success.
- Developed and implemented standards for staff to provide consistent service to customers.
- Created detailed client profiles within the CRM system, enabling tailored approaches when recommending products or services based on specific needs.
- Delivered superior customer service to strengthen relationships and drive future business revenue.
- Developed strategies that reduced response time to inquiries while maintaining high-quality responses.
- Streamlined communication between departments for better understanding of customer needs and quicker problem resolution.
- Built partnerships with diverse internal teams and sales, finance, and operations departments to streamline processes.
- Contributed to the development of customer service policies and procedures, ensuring compliance with industry best practices and regulatory requirements.
- Monitored metrics and developed actionable insights to improve efficiency and performance.
- Delivered exceptional after-sales support by maintaining regular contact with clients, ensuring their continued satisfaction with purchased products or services.
- Worked with clients to address and respond to client and partnership management issues.
Senior Loan Officer
AXIS BANK LTD
Patna
07.2019 - 12.2020
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Assisted management in preparing annual budget forecasts based on historical data analysis and anticipated market conditions.
- Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
- Increased mortgage revenue by developing targeted marketing campaigns aimed at specific customer segments.
- Streamlined internal processes for increased productivity by implementing time-saving tools and best practices within the team.
- Implemented new lending software to increase efficiency, reduce errors, and provide a seamless experience for customers.
- Successfully managed high-volume pipeline of loans, consistently meeting or exceeding monthly sales targets.
- Created detailed reports analyzing potential borrowers'' creditworthiness, presenting findings to management for informed decision-making purposes.
- Maximized approval rates for qualified applicants through diligent review of financial information and thorough assessment of risks.
- Negotiated favorable terms from lenders on behalf of clients, securing optimal financing options for their needs.
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
LOAN OFFICER
HDFC BANK
GAYA
11.2015 - 06.2019
- Providing customer service of good standard and parameters for service quality
- Deals in personal loan
- Maintain TAT and Target on regularity basis.
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with customers through high levels of customer service.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Contributed to the growth of the organization by actively participating in various marketing initiatives aimed at promoting its loan products and services.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Maintained an extensive knowledge of current market trends and industry changes to provide accurate advice to clients.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Utilized risk management strategies to attain high loan approval rates.
- Negotiated loan terms and conditions with customers to secure best deal.
Education
M.C.A - Computer Science
Magadh University
GAYA B.C.A - Computer Science
Magadh University
GayaIntermediate - Science
Mirza Galib College Gaya
GayaMatriculation - All Subjects
Haridas Seminary Gaya
GayaSkills
Well versed with computer operations and knowledge of its technical issues
Timeline
SALES MANAGER (PERSONAL LOAN)
SMFG INDIA CREDIT COMPANY LIMITED
10.2023 - Current
CUSTOMER RELATIONSHIP MANAGER
UJJIVAN SMALL FINANCE BANK
01.2021 - 10.2023
Senior Loan Officer
AXIS BANK LTD
07.2019 - 12.2020
LOAN OFFICER
HDFC BANK
11.2015 - 06.2019
M.C.A - Computer Science
Magadh University
B.C.A - Computer Science
Magadh University
Intermediate - Science
Mirza Galib College Gaya
Matriculation - All Subjects
Haridas Seminary Gaya
Preferredlocations
Eastern India
Personal Information
- Date of Birth: 02/25/1993
- Marital Status: Married
References
EXCELLENT REFERENCES SHALL BE FURNISHED WHEN REQUIRED
Disclaimer
I confirm that the information provided by me is true to the best of my knowledge and belief.
Preferredlocations
Eastern India
Personal Information
- Date of Birth: 02/25/1993
- Marital Status: Married
References
EXCELLENT REFERENCES SHALL BE FURNISHED WHEN REQUIRED
Disclaimer
I confirm that the information provided by me is true to the best of my knowledge and belief.
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