Music
DIPANJAN BHATTACHARYA
Kolkata
Summary
Maintain current product, market and competitor knowledge to successfully enhance operational and sales development approaches. Performance-oriented in prospecting, networking and completing key sales. Address and solve wide-ranging operations, sales and personnel management problems. Performance-oriented Sales Leader offering exceptional record of achievement over 9-year career. Tenacious manager with strategic and analytical approach to solving problems, bringing in customers and accomplishing profit targets. Talented in identifying and capitalizing on emerging market trends and revenue opportunities.
Overview
10
10
years of professional experience
9
9
years of post-secondary education
3
3
Languages
Work History
Territory Sales Manager
IDFC FIRST BANK Ltd
Kolkata
02.2020 - Current
- Device effective territory sales and marketing strategies
- Managing sales activities of the assigned territories such as territory analysis and prospects
- Developing and maintaining awareness of market behavior and competitive trends
- Conduct training in sales techniques and company product attributes
- Ensuring efficiency of sales operations
- Continually evaluating team performance and taking appropriate actions to enhance profitability, efficiency and customer satisfaction
- Assess sales performance of team according to KPIs
- Effectively work and manage to achieve monthly and quarterly sales target
- Managing the MIS of the territory so as to have pulse of numbers readily available
- Prepare and Submit sales report to respective authority
- Ensuring constant flow of business through channels and assigning sales officers with priority so as to enhance more business output
- Effectively coordinating with channel partners and educating them with bank’s product and policies resulting in smooth flow of business
- Strategizing and implementing plans to increase efficiency by restructuring sales and marketing methods resulting in monthly customer and channel base
- Evaluating opportunities to maximize business growth of teams and unit
- Set and Monitor clear objectives to achieve the agreed sales targets for the teams
- Preparing reports of login to approval ratio and provide feedback to necessary authorities
- Coordinating with CPA team thus ensuring files are logged in time to avoid backlogs
- Establishing and maintaining proper communication with the credit team keeping in line with the product deviations so as to ensure TAT is maintained throughout the process starting from approval to disbursal
- Ensuring proper funding to customers in compliance to company product and policies, hence avoiding possibilities of NPA
- Coordinating with RCU and checking detailed reports to avoid risky funding and also to avoid spillage of healthy customers
- Ensuring profitability of the bank by providing appropriate combination of ROI, PF and Insurance
- Raising proper deviations in terms of ROI, PF and insurance resulting in reduced approval to customer decline ratio
- Resolving problems or customer complaints or escalations and providing timely feedback to upper management maintaining proper TAT
- Key accomplishments:
- Effectively building and fostering talented and high performing sales team through effective recruiting, hiring, networking and coaching as well as inspiring and motivating them grow and achieve common sales objectives
- Ensured business productivity of the team by cross selling bank products in the lockdown phase
- Won accolades for having best team to have won for opening highest number of CASA accounts
- Won accolades for collecting highest number of EMIs both individually and with team
- Have been in line with the business targets on month on month basis.
Area Sales Manager
Indiabulls Consumer Finance Ltd
09.2018 - 01.2020
- Establishing productive, professional relationships with key personnel with the assigned retail partners
- Proactively assessing, clarifying, and validating partner needs on an ongoing basis
- Coordinating with various back end teams for smoother process aiming maximum disbursals
- Conduct morning / regular meetings with the team to fix up the daily plan and check /review results the next day
- Create market awareness about Reach product, generate leads and facilitate sourcing
- Increasing business opportunities (personal loan /business loan) through various routes to market
- Handhold, train the new joiners to ensure early and consistent productivity
- Take extra efforts to ensure that non-performers come up to the curve and maintain the threshold
- Allocating areas to the sales team
- Managing the MIS of the territory so as to have pulse of numbers readily available
- Recruit qualifying FOS’s and RM’s for team to ensure that the head count budget is met every time
- Managing and monitoring more than 2000 vendors by implementing effective strategies to maximize sales, revenue and collection targets
- Strategic tie ups with loan consultants/DSA’s
- Increasing sales of each month and consistently achieving & exceeding the targets in all the months
- Training, developing and assessing a sales team of 30 and key distributors
- Successfully managing the one of the highest performing team in the region
- Strategizing and implementing plans to increase efficiency by restructuring sales and marketing methods resulting in monthly customer and channel base
- Identify Residential clusters / marketplaces where customers of the Reach target segment stay and operate their businesses and devise strategies to reach out to such customers
- Key accomplishments:
- Expanded product portfolio of the organization and building brand preference by executing promotional events like product exhibition & seminar events
- Showed positive return on key performance indicators
- Increased sales by creating numerous initiatives to highlight successes i.e monthly sales contests, monthly recognition, weekly sales calls and quarterly all-leadership meetings
- Managed the attrition percentage and kept it below 2%, ensured performance and motivation of team throughout.
Asst. Manager
HDFC Credila Financial Services Pvt Ltd
10.2014 - 05.2018
- Key responsibilities:
- Mapped prospective clients for interested in education loan in Kolkata
- Conducted market research activities and tracking competitor’s moves and provide valuable information to the top management for fine tuning the selling and the marketing strategies
- Devised & implemented business development plans for purpose of achieving pre-designated targets in the available resources
- Cold Calling and generating leads
- Attended client’s (individual/corporate clients) presenting, counseling, convincing and converting
- Attended client’s (individuals/corporate clients) concerns and complaints and undertaking steps for effectively resolving and preventing them
- Keeping in line with Formulated product as per course, country and ensuring its up gradation with the market offerings
- Built relationships with clients for enhanced terms ensuring continued & repeat business through referrals
- Attended student’s queries over education loan, the process and their disbursement
- Assisted in sourcing files for loan against properties and securities
- Assisted clients (individuals/corporate clients) in documentation for education loan against properties and securities
- Assisted in preparing reports and schedules that will be delivered to clients
- Initiated disbursement for logged in files at proper time
- Kept regular track of login report and disbursement report and preparing DSR for the same
- Generated business from referrals
- Strategic tie ups with Consultants/Partner/DSA’s
- Formulated business through various Education Consultants/Partners in Kolkata
- Ensured constant flow of Prospective Data from attending Seminars conducted by Partners
- Generated revenue and ensured its constant flow
- Cross selling (Home Loan/Insurance) and other verticals of the company
- Identify Residential clusters / marketplaces where customers of the Reach target segment stay and operate their businesses and devise strategies to reach out to such customers
- Identify affordable Housing projects; build/enhance business relationships with developers
- Monitor lead management system and ensuring their conversion
- Recruited, hired, trained and motivated member professional staff
- Managed inside sales teams
- Provided strategy and leadership of monthly business plan; supporting and managing sales team efforts
- Expanded product portfolio of the organization and building brand preference by executing promotional events like product exhibition & seminar events.
Reader Acquisition and Retention Strategy
HT MEDIA LTD
01.2013 - 06.2013
- Key responsibilities:
- Understand the reason for fall of readers through detailed market research
- Readership acquisition and retention by providing valuable information and highlighting the USP
- Generate revenue from sale of subscription
Education
PGDM/ MBA - Marketing/International Business
JIMS
01.2012 - 04.2014
B.Com(Hons) - Finance, Administration
City College of
Commerce &
Business
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Calcutta
University
05.2009 - 04.2011
ICSE - Commerce
ISC, Mary’s
Orphanage and
Day School
01.2006 - 04.2008
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St Mary’s
Orphanage and
Day School
06.2004 - 04.2006
Skills
InterpersonalComputer proficiencySalesMarket ResearchBusiness StrategyBusiness DevelopmentConsumer LendingBusiness Analysis
Staff Management
Administrative ability
Goals and performance
Business development and planning
Territory Management
SalesForce
Closing techniques
Sales closing
Sales expertise
Sales Strategies
Accomplishments
- Have been ahead of targets on a month on month basis
- Consistently increased sales despite challenging market dynamics
- Successfully implemented branch loan processing throughout region
- Reduced customer decline ratio on YOY basis
- Retained clients and acquired clients with utmost success
- Received a lot of accolades from seniors aswell as from clients for the sincerity displayed thus
- Have pushed the product team for more product variation, which in turn brought a lot of success to theentire Eastern Region for abroad education business in terms of target achievements
- Have been winner of numerous contests organized
- Have received numerous mailers from clients who wanted to share their appreciation for the valueaddition and quality services delivered to them on a regular basis
- Have received accolades for increasing abroad education loan business over the year
- Jaro Education Pvt Ltd Career Development Manager – Senior Counselor 4 months
- Key responsibilities:
- Responsible for business development through sales
- Attending to clients(individual/corporate clients) presenting, counseling, convincing and converting
- Cold Calling and generating leads
- Key accomplishments:
- Have been in line with the targets on a month on month basis
- Generated referrals from the existing clients and ensured steady flow of revenue
- Have ensured a steady flow of revenue from a lot of high value clients who were inactive fora considerable amount of time.
Additional Information
- P-921 Lake Town Block-A Kolkata-700089, West Bengal. Current Address- 242 Lake Town Block-B Kolkata-700089,West Bengal.
Interests
Travelling
World Movies
Hobbies
Swimming
Theatre
Reading
Timeline
Territory Sales Manager
IDFC FIRST BANK Ltd
02.2020 - Current
Area Sales Manager
Indiabulls Consumer Finance Ltd
09.2018 - 01.2020
Asst. Manager
HDFC Credila Financial Services Pvt Ltd
10.2014 - 05.2018
Reader Acquisition and Retention Strategy
HT MEDIA LTD
01.2013 - 06.2013
PGDM/ MBA - Marketing/International Business
JIMS
01.2012 - 04.2014
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Calcutta
University
05.2009 - 04.2011
ICSE - Commerce
ISC, Mary’s
Orphanage and
Day School
01.2006 - 04.2008
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St Mary’s
Orphanage and
Day School
06.2004 - 04.2006
B.Com(Hons) - Finance, Administration
City College of
Commerce &
Business