Abhijit Sarkar

· Driving Working Capital Business and Trade Products (CC/OD/TL/BG/LC/ Buyers Credit / PCFC/ Bill Discounting etc) and generate revenue from existing base and new clients

· Currently managing a diverse portfolio exceeding INR 250 Crores

· Assessing working capital files to derive the limit and eligibility by balance sheet analysis, financial ratio analysis, security documentation and credit note underwriting (CAM Preparation)

· Collaborated with cross-functional teams and channels to generate leads and visit existing and new clients on regular basis

· Following up with credit / legal / operations and other channels for on-boarding customers (from login of files to sanction & disbursement & housekeeping)

· Handling day-to-day Trade and Foreign Exchange transactions for the portfolio customers

· Actively managing operational and transactional issues of the customers

· Responsible for increasing the existing asset book size and the income generation

· Meeting with Branch Heads / Cluster Head for lead generation by the branches and provide product training to the branch resources, verticals. And support branches and verticals in resource activation and productivity

· Cross selling of third-party products like CASA, Fixed Deposit, Loan Protector and General Insurances

· Driving cluster branches and verticals for Working Capital, Business Loan & Trade Products (CC/OD/TL/BL/BG/LC/PCFC/LCBN)

· Assessing working capital files to derive the limit and eligibility

· Handling a team of 8 Relationship Officers and generate business through them

· Reviewing of Relationship Officers for budget achievement by assuring that the Relationship Officers achieve there KRA and earn incentive

· Meeting with Branch Heads / Cluster Heads for lead generation by the branches and provide product training to the branch resources, vertical & team members

· Had been managing 11 Branches, Merchant Acquisition and Digital Banking Vertical of Kolkata

· Following up with Credit / Legal / Operations for on-boarding customers (from login of files to sanction & disbursement)

· Selling of third party products like CASA, Loan Protector and General Insurance

· Enhancing and managing high value Current Accounts, Business Banking Customers, Trade Forex Customers

· New acquisition of Trade and Forex clients and getting new Current Account value

· Generating Foreign Exchange Income and Fee Income through inward and outward transactions

· Generating Trade Income and Fee Income through LC, BG, Buyers Credit, Bill Discounting transactions

· Generating asset cross deals into Loan Against Property, Loan Against Security, Working Capital, Housing Loan etc

· Cross-Selling Family Accounts, Insurance, Mutual Funds, and other investment products etc

· Service existing Corporate Trade clients and also explore and develop new profitable business opportunities / relationships for the bank and generate revenue by managing relationship with the existing as well as with the new clients and maintain a high level of client satisfaction of the Corporate Trade clients

· Receive requests from clients for processing the particular trade transactions and scrutinize the documents received from the customer and ensure that the request is processed by monitoring end to end and ensure that audit and process are maintained at desired levels for branch

· Interact with various departments in the bank and co-ordinate between the centralized processing center and the customer for meeting the requirements of the customers

· Regular meeting with customers to know the requirements and needs related to their business and generate trade revenue

· Proper documentation of the trade transactions as per the RBI norms, and as per the compliance and audit of the bank

· Migrate customers to alternate channels of banking like Corporate Internet Banking, Cash Management Service (CMS), Trade online etc

· Generate revenue from Forex, Asset, Insurance, Mutual Fund business