Learning and Experimenting New Things on the job and in personal life as well
Biswajit Deka
Sales Manager- Retail Banking
Shillong
Summary
Industry Preference: Banking (Wholesale, Wealth, Asset)/Operations/Admin/Financial analyst ~ Location Preference: Guwahati “Competent Banking Professional offering 4.5 years of qualitative experience in Insurance and Banking industry in all facets of Retail Banking, Corporate Agency Management and Operations Management with the proficiency in building harmonious relationships with key clients to enhance company revenue & growth” BRANCH / AGENCY ADMINISTRATION ~ CUSTOMER SERVICE PROFILE SUMMARY Rich experience in developing branch’s strategies for achievement of top-line & bottom-line targets; driving ROI and exploring marketing avenues to build consumer preference & drive volumes Expertise in spearheading sales, service and distribution of banking products across wealth, retail assets and liabilities including CASA, Personal Loans/Home Loans & other products for various customer segments through multiple channels including bank branches, outbound sales teams, dealers, relationship teams & other alternate channels Capable in: Continuous process improvement initiatives, ensuring CTQ delivery (both transactional & service quality), mapping client requirements and implementing processes in-line with customer specifications Managing escalations for resolving critical issues, steering business continuity & customer satisfaction, process trainings, employee skill development & engagement and monitoring performance Conceptualizing and implementing measures for transforming business processes through digital tools Excellence in ensuring quality service in the shortest possible time by liaising with Line Managers & other support functions to resolve any dispute / issue as per the process SLAs CORE COMPETENCIES Business Operations Management Sales & Business Development Policy Issuance & Management Branch Administration Product Portfolio Management Client Relationship Management Training / Coaching / Mentoring Quality Assurance & Control MIS Management & Documentation People Management & Leadership NOTABLE ACCOMPLISHMENTS ACROSS THE CAREER Qualified Branch Sales Manager with exceptional customer service and consultative sales abilities. Offering strong track record of building loyal customer relationships to create recurring revenue. Adept at developing and implementing policies to drive store effectiveness, demonstrated over 6-year progressive career history.
Overview
6
6
years of professional experience
1
1
Language
Work History
Deputy Manager – Relationship Manager
Kotak Mahindra Bank
Shillong
01.2019 - 08.2021
- Proved successful working within tight deadlines and fast-paced atmosphere.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
- Actively listened to customers' requests, confirming full understanding before addressing concerns.
- Collaborated with team members to achieve target results.
- Resolved problems, improved operations and provided exceptional service.
- Handled 10-15 calls per day to address customer inquiries and concerns.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
Corporate Agency Manager
HDFC Life
Shillong
11.2016 - 01.2019
- Key Result Areas:
- Heading overall Branch Operations including Banking, Customer Relationship Management, Sales & Marketing, and other related functions to increase profitability
- Steering a product portfolio of approx
- INR 20 Cr
- According to guidelines that reflect the marketing and credit policies as well as money laundering rules & regulations of the bank
- Controlling all transaction processes and delivery of services; providing services to existing customers and managing all aspects of customer relationships
- Managing day-to-day operational risk management activities such as risk and controls assessments, incident capture and analysis, and scenario analysis and planning
- Rendering wealth management, investment & insurance services (Life, General Insurance, Mutual Funds and Trading Accounts)
- Identifying opportunities by cementing relationships with existing clients to cross-sell Third Party Products (TPP)
- Supervising cash management; receiving & paying required cash as per laid guidelines; issuing Pay Order, Instruments & Demand Draft; updating EOD Cash Position Register
- Evaluating, verifying & accepting the genuine loan requests of the clients and forwarding the same to respective department for further processing
- Performing a thorough credit analysis of new customers including trade references, banking information & internet research for products like CASA, Credit Cards, and Personal & other Loan
- Collaborating with the other teams like QA & Training through mails, calls & meetings for regular updates on process performance and parameters
- Developing need based training modules for developing multi skilled workforce for cross utilization within sub processes to enhance employee performance
- Conducting internal process audits & process reviews for ensuring strict adherence to the process parameters /systems as per defined guidelines
- Identifying & leading Business Process Excellence Projects and providing strategic direction and thought leadership
- Conserved agency resources and minimized waste by accurately logging company property, supplies and equipment to avoid duplicative ordering.
Branch Sales Manager
IDFC FIRST Bank
Shillong
08.2021 - Current
- Resolved customer complaints to maintain high level of satisfaction.
- Managed branch sales, customer service, finances and recordkeeping.
- Set pricing strategy and discount rates.
- Maintained involvement in community affairs to foster and promote favorable bank image and public trust.
- Interviewed, hired and developed team of 6.
- Increased branch revenue by 35% through sales team
- Received Natioanal recognition award for performance in FY-2021-22 in sales .
- Trained 4 new sales representatives on sales strategies and processes to reduce process gaps.
- Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
- Drove team and company profits by developing and strengthening relationships with industry partners and potential clients.
- Monitored sales team performance, analyzed sales data and reported information to area managers.
- Organized promotional events and interacted with community to increase sales volume.
Education
PGDI (Post Gradutaion Diploma - Insurance, Science
Manipal Academy of Banking, DK College, Gauhati University
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Skills
Managerial experience
Accomplishments
- Completed Insurance Training from Manipal Academy of Banking Association with HDFC Life
- WORKSHOPS / SEMINARS
- Participated in 3 days workshop on Entrepreneurship in Indian Institute of Entrepreneurship
- Attended National Level Conference for HDFC Life in Japan
Interests
Timeline
Branch Sales Manager
IDFC FIRST Bank
08.2021 - Current
Deputy Manager – Relationship Manager
Kotak Mahindra Bank
01.2019 - 08.2021
Corporate Agency Manager
HDFC Life
11.2016 - 01.2019
PGDI (Post Gradutaion Diploma - Insurance, Science
Manipal Academy of Banking, DK College, Gauhati University
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