Biswajit Ghosh
Branker
KOLKATA
Summary
Seeking Challenging Assignments in Marketing, Business Development, Client Servicing in FMCG, Banking and Finance using proven skills of managing, planning, and organizing acquired through varied work experience, for a highly growth oriented organization.
PROFILE AND STRENGTHS
Possess comprehensive skill sets in exploring and procuring new business, promoting and creating brand awareness and competition analysis.
Solutions oriented with hands on exposure to map relationship’s needs and attuning product / service solutions and suggest various avenues of investment.
Disciplined with proven abilities to manage multiple assignments efficiently under tight delivery deadlines, ascertaining needs and financial goals.
Target oriented professional with proven managerial acumen backed by focused energies fostering business growth and target achievements.
Proven networking and relations building skills with ability to generate continuous stream of business for accelerated growth.
A hard working professional keen on broadening experience with the ability to excel in challenging jobs, handle diverse functions, adapt quickly to changing trends and processes STRENGTH:
Determination to move ahead.
Prone to creative & innovative ideas on or off the JOB.
Interpersonal Skills.
Good communication skills.
Sincere and Hardworking.
Ability to take decision.
Good learner as well as a good trainer.
Overview
18
18
years of professional experience
1
1
Language
Work History
Branch Manager
HDFC BANK LTD
KOLKATA, WEST BENGAL
05.2011 - Current
- 03 Years 10 Months
- Area dealing with : Retail Branch Banking.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Completed filings and upheld strict compliance with regulatory agencies and supervisors.
- Complied with regulatory guidelines and requirements.
- Boosted sales and customer loyalty through incentive programs.
- Forecasted trends and recommended improvements based on financial risk analyses.
Assistant Sales Manager
TATA AIG LIFE INSURANCE COMPANY LIMITED
05.2010 - 05.2011
- 11 Months
- Area dealing with : Broking Key Accounts
- Profile : Managing a team for generating business from Corporate Broker & Agents
- Job includes channel sales, venue marketing, training, motivating, servicing, complying & help in speedy issuance, Lead generation through deferent activity.
Associate Sales Manager
BIRLA SUN LIFE INSURANCE CO. LTD
09.2007 - 04.2010
- Duration : 2 Year 07 Months
- Area dealing with : Alternet Channel (CABC)
- Profile : Selling, Brand Promotion and training
- I was managing a team of 5 unit managers
- I was joined as Unit sales Manager then Sr.USM / Ex
- USM.
Sr. Relationship Executive
ICICI BANK LTD
11.2006 - 09.2007
- Reporting to : ASM
- Product dealing with : LI, GI, MF, GOLD & FD
- Profile : Preparing customer portfolio according to there needs
- Coordinating with other verticals SM & there respective team & motivate them for selling the investment product
Relationship Manager, Portfolio Relationship Manager
GE MONEY FINANCIAL SERVICES LTD
05.2005 - 11.2006
- I am working as Relationship Manager and managing Preferred Groups of Customers (HNW) of Bank
- Profile
- Sales– Acquiring, Enhancing, Deepening and Retention (Focusing on ‘Profile-based selling’ approach, for sell of value added Products / Services such as Trade Finance/Forex, CMS, POS / Payment gateway solutions, Doorstep Banking, Assets, Insurance and etc.)
- Portfolio Management,
- Customer Service,
- Achievement of Income plan and other product penetration benchmark,
- Operation – Error free documentation for all account opening and all customer instruction (Stop payment, Bank Guarantee, FD closer, etc),
- Supervising of Sales Officers/BDAs,
- Co-ordination between different departments,
- Understanding the customer business and need, prepare customer profile,
- Work in close consultation with the central product team to modify the product and service,
- Product Customization - Product features / parameters to suit the need of portfolio customers etc
- 2
- Current Account)
- I had promoted to Portfolio Relationship Manager in Jun 2013
- Profile
- Ensure overall value enhancement from the portfolio of customers handled by me
- Responsible for the portfolio health of customers, in terms of activation, value
- Build-up and AQB maintenance
- Proactively monitoring balances and controlling attrition
- Ensuring proactive customer migration to direct banking channels, such as
- Net Banking / E-Net, Phone Banking, Insta-Alerts, Email Statements etc
- Depending on customer need and transaction preference
- Exploring potential for new to bank liability customer acquisition – through
- Referral from group companies / business associates and Savings account of portfolio customers
- Maintain continuous customer engagement through customer visits /
- Contacts, and proactively resolve customer issues / queries
- Ensure action on central triggers / initiatives on enhancements, cross sell and
- Portfolio monitoring
- 3
- PB Sales
- I joined as PB Sales
- I need to meet the income target as well as branch sales & operational targets specified by Management and various contests on TPP products
- Marketing and Promotional activities for new acquisition and achieve the targets on Cross sell products (FD, Demat, Credit Cards, Insurance, Mutual funds, Assets, Bank Guarantee, LC, Bill Discounting etc.) I took a Negative portfolio in May 2011
- Last three years two RM could not make it Positive
- But I did it within 10 Months
- Second year it was the best PB Sales in the region as well as 5th in PAN India.
Education
WBBSE - undefined
B-Com - undefined
Basic Rescue - undefined
EXTRA CURRICULAR ACTIVITIES
Diploma - Information Technology Application
Youth-Govt. of West Bengal, Institute of Mind Control & Development
Civil Defense Training - undefined
Govt. of West Bengal
the IRDA certification. Completed the NISM certification. - Mechanical
ITI
Skills
Business DevelopmentBrand Development / Promotion Relationship Buildingundefined
Accomplishments
- Got Three Promotions in Birla Sun Life Insurance Co
- Ltd (BSLI)
- Nominated for RISING STAR AWARD in TATA AIG Life Insurance Co
- Ltd
- Nominated Four times in ACE (Alternet Channel Editorial) east for best performer & best Trainer in Birla Sun life Insurance Co Ltd
- FIRST Person from East Zone who nominated for RACE TO THAILAND with 354% achievement FROM East Zone
- Certificate for COFEE with CHAM from ICICI BANK & ICICI PRUDENTIAL for best performance
- Certified from ICICI BANK for Performing Best performance in HIMILAYA 2 Contest
- Awarded for Excellence Performance in “LI YATRA Contest “Organized by ICICI Bank.
Timeline
Branch Manager
HDFC BANK LTD
05.2011 - Current
Assistant Sales Manager
TATA AIG LIFE INSURANCE COMPANY LIMITED
05.2010 - 05.2011
Associate Sales Manager
BIRLA SUN LIFE INSURANCE CO. LTD
09.2007 - 04.2010
Sr. Relationship Executive
ICICI BANK LTD
11.2006 - 09.2007
Relationship Manager, Portfolio Relationship Manager
GE MONEY FINANCIAL SERVICES LTD
05.2005 - 11.2006
WBBSE - undefined
B-Com - undefined
Basic Rescue - undefined
EXTRA CURRICULAR ACTIVITIES
Diploma - Information Technology Application
Youth-Govt. of West Bengal, Institute of Mind Control & Development
Civil Defense Training - undefined
Govt. of West Bengal
the IRDA certification. Completed the NISM certification. - Mechanical
ITI
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