Avijit Roy

• Looking after Guwahati Location And Middle Assam
• Handling 15 Branches and Team of 86 Employees
• Responsible for Branch Productivity and Per Emp Productivity in Gold Loan, Business Loan, Personal Loan, Cross Sell products like Health Insurance, Term Plan, Dem at Accounts
• Responsible for maintaining 100% employee participation in CRM portal, all campaign activities assigned to them
• Responsible for weekly review of the branches and weekly review of the BMs and Employees of low performing branches
• Maintaining daily, weekly, monthly MIS on Branch productivity
• Regular checking on collection part of the branches and ensuring maintaining minimum 85% collection efficiency
• Ensuring Branch maintaining 80% 30 DPD collection and branches are having 0.1% ATB per month
• Achievements:
• Qualified for Annual Conference meet in Baku for FY 22-23, the only TM from East Zone.
• Received Flier Rating from the day taken charge and in Last 2 years received Star Rating in appraisal, and also 2 grade Promotion in 2 consecutive FY
• Received Esop in the FY 21-22 for outstanding growth.
• Grown portfolio from 44.59cr to 133.4cr in 3 years of span.
• Being the Top TM in terms of Cross sell HI Pan India for the FY 21-22, and 22-23 And Dmat with PBP of 80k average YTD and 2.35Lacs PEP in HI and 17 Dmat PBP from the day i took the responsibility.
• Being YTD Top in Net growth Pan India for the FY 22-23 and 3rd in East Zone for the FY 21-22.
• Qualifies for Fly High Contest year on Year from the day took the charge of the territory.
• Done 6.5lacs of HI premium in a single day which is highest premium collected as per branch productivity Pan India.
• Communicated regularly with territory, regional, and strategic managers for daily support and strategic planning for accounts.
• Monitored customer buying trends, market conditions, and competitor actions to adjust strategies and achieve sales goals.
• Researched competitor activity and used findings to develop sales growth strategies.
• Managed over 15 branches within Assam territory.
• Cultivated relationships with key accounts in territory and provided support to drive customer satisfaction.
• Conducted regular market analysis to identify new opportunities for territory sales growth.
• Implemented promotions and marketing campaigns to increase territory sales and brand awareness.
• Planned and conducted weekly sales meetings to keep sales representatives up-to-date on new products and strategies.
• Trained and mentored sales representatives in sales techniques and strategies.
• Engaged in product training, demonstrations, consumer awareness, branding, and acquisition initiatives to raise awareness and revenues.
• Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits.
• Resolved problems with high-profile customers to maintain relationships and increase return customer base.
• Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
• Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
• Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
• Increased profit margins by effectively controlling budget and overhead and optimizing product turns.

• I joined India Infoline Finance Ltd in the month of 01 August 2018 as a Branch Manager in Jorhat Branch
• Working with the team on innovative initiatives to increase customer base and influence customer behavior
• Responsible for ensuring the standard productivity of Sales Promoter
• Managing HNI customer relationship thereby ensuring that the final stage of closure of sale is complete
• To ensure proper Marketing Activity And BTL Activities done in the catchment area
• To ensure employees under me having proper knowledge about the products handled by them
• To ensure and monitor productivity of each of the Team Member and ensuring that they achieve their IPM Targets
• Responsible for increasing HNI base of the Branch
• Products handle are Gold Loan, SME loans, MF, Insurance
• Achievements:
• Has done 47 KYC in a single which is Pan India record
• Has been in Top 10 branches in net growth and contribution score from the month i have taken handover of the new branch
• Have been awarded with best branch manager in East zone for FY 2018-19
• Has been earning incentives each Month since I have joined Gold loan in IIFL Jorhat Branch
• Has been doing 45 Lacs in terms of Net Growth every month on an average since Joined when I took over Jorhat Branch
• Has done 75 KYC in the month of October 2018 by my team under my supervision which is the highest numbers of KYC done by the branch since it started its gold loan business
• Gained Good knowledge on applications like LOS, Flexcube, LAGJ, Finnone
• Has done 2 cr 5 lakhs of gold loan business in new branch Jalukbari within 60 working days
• Has got certificate for highest net growth for the month of january Feb, March 2019 in the entire east
• Has been disbursing approx 18 SME files and Gross of 68 lacs of business every month since i join the branch
• Promoted to Territory Manager within 1.6yrs tenure
• Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
• Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
• Assessed employee performance and developed improvement plans.
• Met deadlines by proactively managing individual and team tasks and streamlining processes.
• Maintained friendly and professional customer interactions.
• Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
• Engaged employees in business processes with positive motivational techniques.
• Compiled database of loan applicants' credit histories, financial statements and other financial information.
• Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
• Launched new training program to boost employee skills and staff retention rate.
• Implemented service improvements to enhance sales cycle.
• Consulted customers to boost product sales and services.
• Resolved various issues impacting sales management and business operations.
• Complied with regulatory guidelines and requirements.

• I joined HDFC bank Ltd in the month of August 2017 as a Sales Officer for Gold Loans in Maligaon Branch Guwahati, including Auto Loan, TL, PL, CASA regularly month on month
• Working with the marketing team And Sales Manager on innovative initiatives to increase customer base and influence customer behavior
• Responsible for ensuring the standard productivity of Leafleter appointed under me
• Managing DSAs and relationship with DSA and sourcing maximum numbers of loan through them
• To generate business through PB And RM’S
• Regular follow up on leads generated by executices under me
• To explain the Portfolio Customers various benefits of the product
• To help the customers to complete documentation and application form
• To verify authencity of the documents and identity of the customers
• To ensure strict adherence to KYC norms
• Responsible for cross selling of other products such as Personal Loan,Home Loan,LAP,Two wheeler loan,Four wheeler loan, CASA etc
• Achievements:
• Has been earning incentives each Month since I have joined Gold loan in HDFC Bank Maligaon Branch
• Has been doing 65 loans on an average and 70 Lacs in terms of value month on month since October 2017 when I took over Kalapahar Branch
• Has done Business of Gold Loan 1Crore in the Month of March 2018, which is the only branch for the FY 2017- 2018 in entire East region, Also Highest Value in the maligaon branch since itstarted its gold loan business
• Gained Good knowledge on applications like LOS, Flexcube, LAGJ, Finnone
• Achieving every months target of Auto Loan And PL since date of Joining.
• Strengthened communication skills through regular interactions with others

• I joined HDFC bank Ltd in the month of August 2013 as a CO-Ex for Gold Loans in Guwahati, including Auto loan, TL, PL and CASA as cross sell regularly month on month
• Launching of Gold Loan under Prime model in HDFC Kalapahar branch in September 2013
• Working with the marketing team And Sales Manager on innovative initiatives to increase customer base and influence customer behavior
• Responsible for ensuring the standard productivity of Leafleter appointed under me
• Managing DSAs and relationship with DSA and sourcing maximum numbers of loan through them
• To generate business through PB And RM’S
• Regular follow up on leads generated by executives under me
• To explain the Portfolio Customers various benefits of the product
• To help the customers to complete documentation and application form
• To verify authencity of the documents and identity of the customers
• To ensure strict adherence to KYC norms
• Responsible for cross selling of other products such as Personal Loan,Home Loan,LAP,Two wheeler loan,Four wheeler loan, CASA etc
• Achievements:
• Has successfully launched Gold loan in HDFC Kalapahar branch which had done 46 loans in the month of September 2013
• Got promoted as Sales Officer within 1 Year
• Has been earning incentives each Month since I have joined Gold loan in HDFC Bank
• Has been doing 50 loans on an average and 65 Lacs in terms of value month on month since September 2013 when I took over Kalapahar Branch
• Has successfully launched Gold loan in HDFC Kalapahar branch with average of 50 loans
• Gained Good knowledge on applications like LOS, Flexcube, LAGJ, Finnone
• Achieving every month target Of Auto Loan, PL, CASA since date of joining.

• I joined Auzury Communication in June’11 in Event Managing department
• Liase with Clients to find out their exact requirements
• Produce detailed proposals for events
• Manage a team of staff , giving full briefings
• Plans and organizes an event based off of a client or internal brief
• Organising promoitional activities, road shows, canopy activities
• Working with the marketing team on innovative initiatives to increase productivity of the product for which event done.

GPA: 61