AVISHEK SEN SARMA
DURGAPUR
Summary
With a robust background at BANK OF BARODA, I excel in driving business growth and enhancing customer satisfaction through expert compliance management and exceptional team leadership. My approach has consistently fostered banking relationship management and risk mitigation, securing my reputation for delivering results and cultivating strong, profitable corporate partnerships.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Branch Head
BANK OF BARODA
GARBETA (WEST BENGAL) AND SEMRAUTA (UTTAR PRADESH)
08.2022 - Current
- Grew business banking relationships through proactive outreach.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Utilized advanced technical skills and expertise to troubleshoot complex problems and implement solutions.
- Assisted with customer requests and answered questions to improve satisfaction.
- Managed workload to meet tight deadlines for credit analysis reports and loan decisioning.
- Prepared comprehensive credit reports summarizing findings and supporting loan approval or denial decisions.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Assessed collateral values and ensured sufficient coverage for secured loans.
- Utilized credit scoring models to rank clients based on their credit risk.
- Performed due diligence on new applicants by verifying income, assets and liabilities through public records or third-party sources.
- Supported outside sales force in servicing and obtaining new business.
- Initiated sales campaigns to increase deposits and loan products in the branch.
- Conducted regular meetings with employees to discuss goals and performance issues.
- Planned work schedules to maintain adequate staffing levels.
- Established relationships with corporate clients to identify potential business opportunities.
- Ensured compliance with banking regulations and internal procedures.
- Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
- Disciplined employees to encourage compliance with company policies and procedures.
- Maintained confidentiality of all banking records and transactions.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Created strategies for improving customer satisfaction levels at the branch.
- Analyzed financial statements, loan applications, and credit reports to determine customers' eligibility for loans.
- Resolved customer complaints promptly and efficiently while ensuring excellent customer service standards.
- Created financial management mechanisms to minimize financial risk to business.
- Collaborated closely with team members to achieve project objectives and meet deadlines.
- Provided support and guidance to colleagues to maintain a collaborative work environment.
- Identified needs of customers promptly and efficiently.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Increased efficiency and drove branch revenue by optimizing daily operations.
- Managed the day-to-day operations of the branch including scheduling, staffing, budgeting.
Credit Manager
BANK OF BARODA
MEDINIPUR (WEST BENGAL) & PANAGARH (WEST BENGAL)
05.2018 - 08.2022
- Provided guidance and support to other departments regarding the development of new credit policies and procedures.
- Developed and implemented strategies for effective debt collection, reducing delinquencies.
- Collected overdue payments from customers using various methods such as phone calls, emails or letters.
- Conducted periodic reviews of existing clients to adjust credit limits and terms as necessary.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Requested financial documents from customers.
- Assessed loan requests for accuracy, completeness and conformance with established lending guidelines.
- Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
- Worked closely with collections departments in order to ensure timely payments from customers.
- Responded promptly and professionally to inquiries from customers regarding their accounts.
- Ensured timely completion of periodic reports required by regulators.
- Provided guidance on legal requirements related to the organization's operations.
- Assessed applications for loan or line of credit requests and determined whether or not to approve the request based on established guidelines.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Utilized financial models to forecast future earnings and determine the feasibility of loan requests.
- Participated in credit committees to present analysis and recommendations on credit proposals.
- Provided recommendations regarding loans applications based on sound credit evaluation principles.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Analyzed financial data to determine the degree of risk involved in extending credit.
- Managed and monitored corporate credit policies to minimize risk and ensure compliance.
- Completed day-to-day duties accurately and efficiently.
Branch Operations Officer
BANK OF BARODA
MEDINIPUR (WEST BENGAL)
11.2016 - 04.2018
- Maintained inventory of supplies necessary for daily operations; placed orders when needed.
- Maintained accurate records of customers' interactions with the company in order to provide better future services.
- Resolved complex problems by working with other departments to provide solutions that meet customer needs.
- Answered customer inquiries and provided accurate information regarding products and services.
- Conducted daily reconciliation of accounts, identified discrepancies and resolved issues in a timely manner.
- Performed cash management activities such as vault balancing and currency ordering.
- Maximized branch revenue by optimizing daily operations.
- Monitored customer activity to detect suspicious transactions or money laundering attempts.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Ensured compliance with applicable laws and regulations governing banking operations.
- Completed day-to-day duties accurately and efficiently.
- Identified needs of customers promptly and efficiently.
- Worked with cross-functional teams to achieve goals.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Maintained updated knowledge through continuing education and advanced training.
- Exceeded customer satisfaction by finding creative solutions to problems.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
Education
MBA - Banking And Finance
MANIPAL ACADEMY OF HIGHER EDUCATION
ONLINE05-2023
PGDM - Banking And Finance
MANIPAL ACADEMY OF HIGHER EDUCATION
BANGALORE08-2016
BACHELOR IN TECHNOLOGY - Electrical Engineering
WEST BENGAL UNIVERSITY OF TECHBOLOGY
ASANSOL07-2011
Skills
- Sales management
- Compliance management
- Excels in team leadership
- Staffing optimization
- Financial services
- Banking relationship management
- Regulatory compliance
- Customer education
- Due diligence
- Loan approvals
- Generating referrals
- Building customized solutions
- Risk mitigation
- HNWI expertise
- Credit assessment
- Customer service
- Operations
- Verbal and written communication
- Anti-money laundering
- Loan payment processing
- New customer acquisition
- Employee motivation
- Educating clients
- Customer Service-oriented
- Product promotion
- Analyzing performance
- Documentation skills
- Recordkeeping requirements
- Developing customer relationships
- Branch operations
- Audit support
- Account openings
- Relationship building
Certification
- JAIIB- Junior Associate of the Indian Institute of the Bankers from IIBF
- CAIIB- Certified Associate of Indian Institute of Bankers from IIBF
- CICC- Certificate in Commercial Credit from Moody's Analytics
- Certificate Examination in AML/KYC from IIBF
Languages
English
First Language
Bengali
Proficient (C2)
C2
Hindi
Advanced (C1)
C1
Affiliations
- Watching Football
- Watching movies
- Window Shopping
- Listening to Music
Accomplishments
Received award for excellent performance in Advance category for FY 201 8-19 and FY 2019-20 as Credit officer
Received 1st in the Personal Loan category, 2nd in Auto Loan under the RURAL category branches in the Burdwan region for FY 2022-23
Received 2nd place in the Retail Asset and MSME category in the Burdwan region for FY 2022-23
Received 2nd place in the MSME category in the Burdwan region for FY 2023-24
Received 2nd in Retail Liability and 3rd in Retail Asset in the Burdwan Region for FY 2023-24
Received Best Branch for FY 2023-24 for overall performance in the Burdwan region under the Kolkata Zone
Timeline
Branch Head
BANK OF BARODA
08.2022 - Current
Credit Manager
BANK OF BARODA
05.2018 - 08.2022
Branch Operations Officer
BANK OF BARODA
11.2016 - 04.2018
MBA - Banking And Finance
MANIPAL ACADEMY OF HIGHER EDUCATION
PGDM - Banking And Finance
MANIPAL ACADEMY OF HIGHER EDUCATION
BACHELOR IN TECHNOLOGY - Electrical Engineering
WEST BENGAL UNIVERSITY OF TECHBOLOGY
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