Debasish Karar
Howrah
Summary
Results-driven banking professional with 11 years of experience in retail branch banking. Expertise includes client acquisition, operational controls, KYC compliance and banking product sales. Currently managing customer needs and deposit portfolios at ICICI Bank as Deputy branch manager. Aiming to apply strong relationship management and retail banking skills as an SBI Specialist Cadre Officer – VP Wealth role.
Overview
3
3
Languages
6
6
years of post-secondary education
12
12
years of professional experience
Work History
Deputy Branch Manager
ICICI Bank Ltd.
Kolkata
08.2023 - Current
- Drove cross-selling of third-party financial products, enhancing customer portfolio with life insurance, general insurance, and mutual funds.
- Promoted and facilitated the sale of CASA and deposit/investment products including FD, RD, SIP, and Gold Bond.
- Manage day-to-day banking functions at branch level, including customer servicing, requirements, queries and complaint handling.
- Resolved customer complaints efficiently, ensuring high levels of satisfaction and loyalty.
- Verify and check account opening forms, term deposits, Demat accounts and KYC documentation.
- Maintain MIS and operational reports covering account opening, term deposits, stop payment, remittances, deposits/withdrawals and foreign currency transactions.
- Administered locker access and compliance protocols to ensure security, audit compliance, claims, daily reports and other branch banking operations.
- Created marketing campaigns that attracted new customers and improved retention of existing clients.
Branch Operations Manager
Axis Bank
Howrah
02.2015 - 07.2023
- Supervised cash management, vault controls, and teller activity across branch counters.
- Coordinated customer service requests, escalations, and branch issue resolution.
- Designed sales and service strategies to improve revenue and retention.
- Analyzed weekly sales figures and prepared detailed reports summarizing performance metrics.
- Monitored inward and outward clearing, remittances, and payment processing.
- Reviewed account opening, KYC, and AML documents for policy compliance.
- Supported audits, inspections, and control reviews across Axis Bank branch operations.
- Performed periodic audits of the branch's internal control systems to detect errors or irregularities.
Education
Master of Commerce -
Barrackpore Rastraguru Surendranath College
Kolkata 04.2012 - 01.2014
Bachelor of Commerce -
Seth Anandram Jaipuria College
Kolkata 08.2009 - 01.2012
All India Senior School Certificate Examination (AISSCE) -
Holy Cross School
Bokaro Steel City 01.2008 - 01.2009
All India Secondary School Examination (AISSE) -
Holy Cross School
Bokaro steel City 01.2006 - 01.2007
Skills
- KYC processes
- Complaint resolution
- Client Relationship Management
- Customer acquisition
- Cross-selling products
- Investment products
- Branch Operations
- Retail Branch Banking
- Corporate Banking
- Locker Operations
- Audit compliance
- Reporting management
- Microsoft Office: Word, PowerPoint and Excel
- Microsoft Office
- Bulk salary processing
- Gold loan disbursement processing
- Loan documentation
- Investment guidance
Languages
English
Proficient
C2
Bengali
Proficient
C2
Hindi
Proficient
C2
Certifications
Title: Banking Professional | Branch & Retail Banking | Wealth & Client Relationship Focus
Others
- Two times MDRT qualified
- Regional campaigns qualified
- Circle Level campaigns qualified
Timeline
Deputy Branch Manager
ICICI Bank Ltd.
08.2023 - Current
Branch Operations Manager
Axis Bank
02.2015 - 07.2023
Master of Commerce -
Barrackpore Rastraguru Surendranath College
04.2012 - 01.2014
Bachelor of Commerce -
Seth Anandram Jaipuria College
08.2009 - 01.2012
All India Senior School Certificate Examination (AISSCE) -
Holy Cross School
01.2008 - 01.2009
All India Secondary School Examination (AISSE) -
Holy Cross School
01.2006 - 01.2007