Aditya Kumar Chakraborty
Banking And Finance Manager
Bengaluru,KA
Summary
Result oriented banking professional with 5+ years of experience in Retail and wholesale assets. Adept at credit assessment, documentation, customer onboarding, cross selling and portfolio management. Looking to leverage strong analytical, relationship building and process expertise in a dynamic banking or Finance environment.
Overview
5
5
years of professional experience
4046
4046
years of post-secondary education
4
4
Certifications
3
3
Languages
Work History
AVP - BDM Corporate Employee Banking
HSBC Bank
12.2025 - Current
- Successfully managed change within the organization, ensuring smooth transitions during periods of restructuring or process improvements.
- Established policies and procedures that improved operational efficiency within the organization.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Sourcing and acquisition of fresh corporations from teams and the open market for employee banking solution onboarding.
- Managed projects efficiently, ensuring timely delivery and high-quality results.
- Developed and maintained strong relationships with clients, resulting in increased business opportunities.
- Increased revenue by developing targeted sales strategies tailored to specific customer segments.
- Improved customer satisfaction by streamlining processes and implementing new strategies.
- Daily, weekly, and monthly reporting of achievement with assigned targets. Canvassing of Premier customers from related sources, with a proposal presentation.
- Daily deployment of the relationship manager to assigned corporates for sourcing accounts and cross-selling opportunities.
- Reviewed and analyzed reports, records and directives to obtain data required for planning department activities.
Preferred Relationship Manager (Manager Grade E3)
HDFC Bank Ltd
12.2024 - 10.2025
- High Net worth Portfolio management.
- 360 Degree banking experience management for assigned Group.
- Customer engagement program for all portfolio customer Annual Target achievement.
- All transaction and fraudulent activity management for portfolio customer and providing right solution within the right time frame (TAT).
- All banking and financial operation management and providing right investment solution for all approach.
- Achievement of wholesale and retail asset up to 300% with value building.
- Unsecured advance facility lead generation such as personal loan and business loan.
- Cross selling of investment opportunities for HNW customer and managed customer.
- Maintained up-to-date knowledge of industry trends and market conditions, providing informed guidance to clients on a regular basis.
- Conducted in-depth financial analyses to help clients identify potential investment opportunities and risks.
Relationship Manager (MSME DEPARTMENT - MORTGAGE SALES)
The South Indian Bank Ltd
01.2023 - 08.2024
- Led a team of RMs, driving a 20% increase in loan approvals through targeted training, and business development.
- Year-on-year increase in total portfolio from 100% to 120%.
- Income plan and target achievement of all RMs, and uplifting team targets overall as the year-end plan.
- Management of DSA and other channel partner executives for fresh proposals, negotiating, and managing their payouts.
- Responsible for onboarding NTB business proposals above 2 crore under the MSME category, and sanctioning into fast path or Insta sanction for proposals below 2 crore.
- Renewal, enhancement, and modification of existing files in coordination with designated branches, and approval for enhancement and restructuring of existing facilities.
- Review and analysis of client credit history, income statement, balance sheet and other financial documents.
- Preparation of Proposal letter, financial entry sheet with past record and projection estimates.
- Collaboration with legal team to draft contracts outlining the details of each loan agreement.
- Resolving any customer disputes or complaints related to their existing facilities.
- Responsible for products such as ODCC, LAP OD/DOD, TL and non-funded limits.
- Special focus for TL on percentage margin for both stock and collateral basis.
- Product offered as LAP DOD, term loan secured, and construction loan.
- Developed and maintained strong relationships with clients to understand their mortgage needs and preferences.
- Monitored client accounts and proactively addressed any issues to enhance customer satisfaction and retention.
- Handled high-profile clients and territories with exceptional planning and strategic engagement.
- Resolved complex client issues promptly, maintaining trust and preventing attrition.
- Managed client documentation and ensured compliance with regulatory requirements throughout the mortgage application process.
Assistant Manager (RETAIL CREDIT)
The South Indian Bank Ltd
01.2021 - 12.2022
- CRM management for complaint handling and inquiry.
- The overall branch operations with the team leading as the credit operations manager.
- Managed Forex transactions, bill discounting, loans and advances, deposits, insurance operations, transfers, etc.
- Anti-money laundering officer.
- Task 1: KYC Verification, AML, and Transaction Monitoring Officer.
- Finalizing the KYC documents of clients on boarding.
- The official valid documents authentication of clients for retail and business relationships.
- Signing authority verification.
- Regulate and track all large transaction values at the end of the day, on a monthly basis, and generate quarterly and yearly reports.
- To prevent the overall book size from money muling and traction fraud.
- Daily imperatives for suspicious activity, and filing reports.
- Customer due diligence and enhanced due diligence for low, medium, and high-risk clients.
- Task 2: Sales and service of loans and advances.
- Handled end-to-end sales and operations of mortgage, home loans, and LAP products across various locations in Bangalore.
- Responsible for lead generation, customer profiling, eligibility assessment, and credit documentation for different segments of customers, such as the salaried class, self-employed individuals, and key officials.
- Cross-sold insurance, overdraft, and term loan products to retail and SME customers.
- Supported branch operations in loan file creation, login, CIBIL verification, and loan sanctioning.
- Signing authority for all branch activities and loan file processing.
- Assisted in post-disbursement monitoring, file storage, and audit compliance.
- Logged in applications in the LOS (Loan Originating System) and coordinated the processing, EMI setup, and repayment schedule.
- Structured and prioritized onboarding of customers canvassed through DSA and channel partner engagement.
- Daily, monthly, and yearly review for targets and achievements.
- Acquisition of NTB customers through different channels, such as the open market, DSA mode, and references.
- Maintained MIS reports, and supported data analysis for loan performance tracking.
- Onsite Training: (One month) Transaction monitoring and anti-money laundering process through large transaction reports, Tableau, and inter-process management.
- Branch operation activities, such as payments and receipts, Finacle 10 processing, background process management (BPM), and CRM management tools.
- Credit management (1 month): assessment of file, canvassing of quality sourcing, and financial analysis.
Education
Master of Science - Data Analytics
IIITB
Bengaluru, India02-2025
Master of Business Administration (MBA) - Marketing and HR
Army Institute of Management (AIMK)
Kolkata, India06-2020
Bachelor of Science - Hotel and Hospitality Administration
Delhi Institute of Hotel Management (NCHMCT)
Delhi, India06-2018
Skills
Operations
Corporate communications
Distribution strategy
International business
Strategic planning
Data-driven decision making
Sales channel analytics
Financial management
Relationship building
Business development
Financial planning
Direct sales
Client account management
Channel management
Accomplishments
- Achieved 200% of target set for Q1 and Q2 of 2025-26.
- Highest disbursed value of 24Cr as CC for corporate.
- Highest NOP closure for LAP and OD files in current company.
- Reduced TAT by 30% through process optimization.
- Continuous increment given by The South Indian Bank for value builder.
Certification
Certificate of completion Ultimate Transaction monitoring/ AML boot camp through Udemy
Websites, Portfolios and Profiles
https://www.linkedin.com/in/adityakumarchakraborty/
Custom Section
- Effective problem-solving and adaptability under challenging deadlines.
- Resourcefulness in troubleshooting and debugging complex issues.
- Continuous learning to stay updated with emerging technologies and industry trend.
- Strong communication and team collaboration skills to effectively work across diverse teams and disciplines.
Personal Information
Timeline
AVP - BDM Corporate Employee Banking
HSBC Bank
12.2025 - Current
Preferred Relationship Manager (Manager Grade E3)
HDFC Bank Ltd
12.2024 - 10.2025
Relationship Manager (MSME DEPARTMENT - MORTGAGE SALES)
The South Indian Bank Ltd
01.2023 - 08.2024
Assistant Manager (RETAIL CREDIT)
The South Indian Bank Ltd
01.2021 - 12.2022
Master of Science - Data Analytics
IIITB
Master of Business Administration (MBA) - Marketing and HR
Army Institute of Management (AIMK)
Bachelor of Science - Hotel and Hospitality Administration
Delhi Institute of Hotel Management (NCHMCT)