Amit Kumar Dutta
Chandannagar
Summary
Experienced banking professional with 23 years in the banking sector, specializing in team management within centralized operations and credit appraisal. Focused on driving CASA growth and improving operational efficiency across branches. Expertise in compliance and risk management enhances service delivery and supports organizational goals.
Overview
23
23
years of professional experience
1
1
Certification
Work History
AGM-Liability Business and TPD
IDBI Bank Ltd
Durgapur
05.2025 - Current
- Led initiatives to meet TPD fee income budget for region.
- Led efforts to achieve CASA FTM and EOP & Term Deposit budget for region.
- Drive the Branch Teams to achieve CASA Account Sourcing Budget
- Drove efforts to meet Social Security Schemes Budget.
- Established partnerships with co-operative banks and government entities to enhance CASA business initiatives.
- Developed Business MISs for tracking business performances across branches and staff.
- Co-ordination with the branches for several compliance related matters such as submission of Audit Report, Necessary Monthly Control returns, Performance Reports within stipulated time.
AGM & Branch Head
IDBI Bank Ltd
Chandannagar
06.2022 - 05.2025
- Drives business targets across Deposits, MSME & Retail Advances, and Fee Income, ensuring full operational efficiency of the Branch.
- Designs and executes strategies to deepen new customer relationships and expand the existing portfolio across a wide range of banking products and services.
- Led and monitored team performance, achieving operational efficiency and meeting individual and group targets.
- Oversaw customer-centric operations, adhering to delivery and service quality norms while enforcing bank policies, procedures, and compliance regulations.
- Appraises and sanctions MSME Loans in compliance with Credit and internal policy norms; applies stringent checks in credit operations and manages renewal follow-ups with existing customers.
- Identified improvement areas and initiated corrective actions, fostering a dynamic environment that motivated high performance and development.
- Compiled financial and regulatory reports for submission to senior management.
AGM & Regional Operations Manager
IDBI Bank Ltd
Siliguri
05.2019 - 06.2022
- Oversaw operational efficiency of 27 retail branches, 1 retail asset centre, and 1 currency chest across North Bengal and Sikkim Region, ensuring optimal performance and compliance.
- Coordinated operations between branches and centralized processing units (CCUs) to enhance service delivery and streamline customer interactions.
- Inspected high-risk branches daily to identify operational improvements, contributing to enhanced audit ratings.
- Monitored Suspense Accounts, Cash Retention Limits, account reconciliation with banks, and monthly/quarterly Control Report submissions.
- Assisted branches in Fraud Investigations; monitored customer complaints on RBI BO & CEPC platforms and ensured resolution within stipulated Turnaround Times.
Service & Operations Manager
IDBI Bank Ltd
Santiniketan
06.2018 - 05.2019
- Ensured smooth branch functioning by adhering to regulatory guidelines; managed verification of financial and non-financial transactions to maintain accuracy and timeliness.
- Supervised clearing & bills, government business (CBDT), and control reports to enhance operational efficiency among corporate business correspondents.
- Resolved customer grievances effectively while cross-selling mutual funds, insurance, and CASA products to enhance customer satisfaction.
Manager & Team Leader — RPU East
IDBI Bank Ltd
Kolkata
07.2010 - 06.2018
- Led team of 56 professionals in Account Opening, Core User ID Maintenance, Record Keeping, Reconciliation, MIS Reporting, Corporate Reporting, and Concurrent & RBI Audit to ensure operational efficiency.
- Spearheaded new process transitions including Scan-based Account Opening across 357 East Indian Branches and drove CKYC Implementation.
- Presented monthly MIS reviews to Senior Management, highlighting process metrics and staff productivity to inform decision-making.
- Conducted regular performance appraisals to foster team development and maintain accountability.
Deputy Manager, Branch Banking
Axis Bank Ltd
Burdwan
05.2007 - 05.2010
- Managed Depository Services in compliance with regulatory guidelines; ensured audit compliance across day-to-day banking operations.
- Supervised clearing and bills, government business (CBDT), and CMS operations, ensuring accurate reconciliation of pool accounts.
- Managed account modifications, salary processing, stop payments, demand drafts, and pay orders to streamline customer transactions.
- Cross-sold mutual funds, insurance, online trading, gold coins, and CASA products, enhancing customer portfolio options.
Executive — Operations
Axis Bank Ltd
Burdwan
11.2003 - 05.2010
- Managed daily account reconciliation and liaised with Currency Chest to ensure timely cash receipt and off-loading.
- Coordinated with Clearing Department for Inward/Outward Clearing and built prospective customer database to enhance cross-selling opportunities.
- Led strategic initiatives to enhance customer engagement and service delivery.
- Developed and implemented policies for efficient banking operations and compliance.
- Managed cross-functional teams to streamline workflow and improve process effectiveness.
Officer Logistics (Trainee)
G D Pharmaceuticals Pvt Ltd
Kolkata
09.2003 - 11.2003
- Managed logistics operations for credit notes, invoice issuance, and purchase order processing to ensure accuracy and timeliness.
- Managed daily operations to ensure efficient workflow in pharmaceutical processes.
- Oversaw inventory control and maintained stock levels for production continuity.
- Trained new employees on safety protocols and operational procedures effectively.
Education
Master of Commerce (M.Com) -
University of Burdwan
01-2002
Bachelor of Commerce (B.Com) -
University of Burdwan
01-2000
Skills
- Banking compliance
- AML compliance
- Credit appraisal
- Risk management
- Business development
- MIS Reporting
- Finacle 102
- Team Leadership
- Customer support
Certification
- CAIIB, Indian Institute of Banking & Finance
- Certification in Trade Finance, IIBF
- Certification in Risk (Blended), IIBF
- ISO Audit Certification, INTERTEK
Languages
- Hindi
- Bengali
- English
Timeline
AGM-Liability Business and TPD
IDBI Bank Ltd
05.2025 - Current
AGM & Branch Head
IDBI Bank Ltd
06.2022 - 05.2025
AGM & Regional Operations Manager
IDBI Bank Ltd
05.2019 - 06.2022
Service & Operations Manager
IDBI Bank Ltd
06.2018 - 05.2019
Manager & Team Leader — RPU East
IDBI Bank Ltd
07.2010 - 06.2018
Deputy Manager, Branch Banking
Axis Bank Ltd
05.2007 - 05.2010
Executive — Operations
Axis Bank Ltd
11.2003 - 05.2010
Officer Logistics (Trainee)
G D Pharmaceuticals Pvt Ltd
09.2003 - 11.2003
Master of Commerce (M.Com) -
University of Burdwan
Bachelor of Commerce (B.Com) -
University of Burdwan