GYPSY BHUYAN

Managed portfolio valued at 160 Cr, driving strategic growth initiatives.

Oversaw banking expansion efforts to enhance service reach and market presence.

Aligned operations and teams to improve efficiency and collaboration.

Facilitated business expansion within designated geography to capture new opportunities.

Liaised with regulatory authorities to ensure compliance and streamline processes.

Executed timely report management to provide insights for decision-making.

• Managed 17 MFI branches with gross portfolio exceeding 20 crore in eight months.
• Oversaw a team of over 100 individuals to achieve strategic objectives.
• Directed business expansion initiatives within designated geographic areas.
• Liaised with regulatory authorities to ensure compliance and operational integrity.
• Executed timely management of reports, enhancing decision-making processes.

• Manage a branch network of 103 branches & a team size of 413 individuals.
• Spearheading business & quality vertical.
• Total portfolio management of 500+ Cr with MOM growth of 40+ Cr disbursement
• Liaised with MFIN & regulatory bodies for effective field management.
• Pioneered the execution of HHIA as per the RBI framework in field
• Effective coordination with cross verticals including Business/Audit/HR/Admin for effective implementation of policies.
• Ensure policy adherence & implementation.
• Expansion of business along with AR reduction

• Managed MSME Asset Business across branch network for WB and partial Kolkata Circle.
• Achieved portfolio growth of 115% year-over-year through strategic initiatives.
• Oversaw portfolio size of 1780 Cr for fiscal year 2020.
• Developed strategies to penetrate new accounts and expand existing portfolios.
• Executed plans to meet predetermined business objectives and targets.

• Managed the business & operational efficiency of IL business in Odisha locations.
• Ensured 90% collection in the portfolio during COVID period(IL Portfolio)
• Managing the Odisha cluster.
• Identifying potential business hubs & financial literacy training.
• Loan management.
• Managed a booksize of 83 Cr.

• Managed the entire business function of branches within the cluster.
• Liasioning with Govt. entities & regulatory authorities.
• Field management & lending management
• Played instrumental role in getting bank empanelled in list of bank for procuring Govt. funds.
• Played a pivotal role in setting up 18 branches & ensured their due retail growth.
• Successfully ensured Retail Business of 100+ Cr.within a span of 8 months of new branch setup.
• Monitored operation of branches & ensured branches have duly adhered to the bank laid processes.
• Managed the quality vertical to ensure effective credit monitoring.

• Managed product design and development for MSME and Micro Loans.
• Conducted pre-quality checks on micro loan portfolio across 32 branches.
• Directed implementation of Micro ATM and Direct Benefit Transfer initiatives.
• Coordinated financial inclusion activities at Sarpanch level.
• Ensured operational compliance across 27 branches in the cluster.
• Educated teams on Joint Liability Group and Self-Help Group formation and fund utilization.
• Provided data to regulatory bodies, including Finance Ministry, as required.
• Ensured adherence to RBI guidelines throughout all processes.

• Conferred with Regional Branch Recognition Award for boosting the sales by102%.
• Successfully augmented the sales goals by 157% on quarterly-basis.
• LI/GI/Mutual fund mobilization.

• Showcased proven skills in managing the PB Sales desk and Operations Desk.
• Engaged in sourcing CASA Accounts & TPD products.
• Provided leads on Credit Cards/Demat/Auto Loans to respective departments.

• Engaged in managing operations of the unit.
• Delivered trainings for individual development.
• Built strong business relationships with local car dealers, agents.
• Scrutinized and edited loan agreements to ensure accuracy.