Gautam Kumar
Sono
Summary
Results-driven Banking Professional with over 7 years in SME lending, specialising in working capital facilities and credit documentation. Managed loan portfolios while ensuring regulatory compliance and driving growth through strategic credit analysis. Enhanced client satisfaction and organisational value through effective customer relationship management and cross-selling of financial products.
Overview
8
8
years of professional experience
Work History
Manager (Band 1)
ICICI Bank Ltd.
06.2022 - Current
- Managing SME working capital portfolio exceeding Rs. 400 Crore. (Book size)
- Ensured adherence to credit standards, cultivating client relationships and enhancing trust.
- Conducted financial analysis for clients to ensure compliance with credit norms, minimising risk exposure.
Assistant Manager
Bandhan Bank Ltd.
04.2020 - 06.2022
- Achieved high customer satisfaction through proactive relationship management, fostering long-term client loyalty.
- Improved portfolio management practices, resulting in enhanced operational efficiency and better resource allocation.
- Streamlined unsecured business loan documentation processes, reducing turnaround time and improving accuracy.
Executive
HDFC Sales Pvt. Ltd. (Housing Finance)
05.2018 - 04.2020
- Supported achievement of sales targets through effective coordination of resources.
- Compiled and ensured accuracy of daily MIS reports to inform management decisions.
- Maintained compliance with company policies to uphold operational integrity.
Education
MBA - Finance
NMIMS
01-2024
BBA - Hons.
A.S. College, Deoghar
01-2015
Intermediate - I.Com
C.S. College, Sono Jamui
01-2012
Matriculation -
Jawahar High School
01-2010
Skills
- Working capital management and business loans
- Proposal documentation and enhancement
- Financial analysis and validation
- Understanding of financial ratios
- Compliance and audit coordination
- Customer relationship management
- MIS reporting and portfolio oversight
- Microsoft Office proficiency
- Core banking systems exposure
- Client relationship management
- Decision making and negotiation
- Effective communication skills
- Leadership capabilities
Languages Known
Hindi (Read, Write, Speak)
English (Read, Write, Speak)
Custom Section
To lead a fulfilling and impactful career through continuous learning and contribution to both personal and organizational success.
Hobbies and Interests
- Cricket
- Music
- Internet Surfing
Disclaimer
I hereby declare that all the information provided above is true and correct to the best of my knowledge and belief.
Personal Information
- Community: General
- Father's Name: Kapil Dev Singh
Interests
- Cricket, listening music,
Timeline
Manager (Band 1)
ICICI Bank Ltd.
06.2022 - Current
Assistant Manager
Bandhan Bank Ltd.
04.2020 - 06.2022
Executive
HDFC Sales Pvt. Ltd. (Housing Finance)
05.2018 - 04.2020
MBA - Finance
NMIMS
BBA - Hons.
A.S. College, Deoghar
Intermediate - I.Com
C.S. College, Sono Jamui
Matriculation -
Jawahar High School