JOY DUTTA
Kolkata
Summary
Experienced sales and business development professional with over 14 years of expertise in sales, marketing, channel sales, client relationship management, lead generation, key account management, distribution management, and strategic planning. Skilled in driving profitability, closing business deals, analyzing market trends, building long-term customer relationships, launching new products, and executing branding initiatives. Strong business acumen and strategic insight to promote growth and expand client base.
Results-driven Branch Sales Manager known for high productivity and efficient task completion. Specialize in strategic sales planning, customer relationship management, and team leadership. Excel in communication, problem-solving, and adaptability, ensuring successful navigation through market challenges and maximizing team performance.
Overview
1
1
Language
1
1
Certification
14
14
years of professional experience
Work History
Branch Sales Manager
Axis Bank
02.2023 - Current
- Sales management and team handling.
- Responsible for driving branch sales performance and achieving defined business targets.
- Sales and Business Development Acumen: Managing and executing aggressive targets across deposits, loans, cross-selling, and fee-based income.
- Consultative Selling: Shifting away from hard-pushed product pitches to actively diagnosing a client's financial situation and offering tailored solutions.
- Digital Savviness: Utilizing modern digital infrastructure, AI-powered CRM systems, and mobile platforms to track leads and streamline conversions efficiently.
- People Leadership: Coaching, motivating, and supervising branch staff to optimize performance and hit collective targets.
- Emotional Intelligence (EQ): Fostering long-term customer loyalty and trust through active listening, empathy, and strong interpersonal communication.
- Risk and Compliance Awareness: Ensuring adherence to strict banking regulations, KYC norms, and internal audit controls while pursuing sales growth.
Branch Sales Manager
Bandhan Bank
05.2022 - 02.2023
- Team handling and sales management responsibilities.
Deputy Manager
IndusInd Bank
05.2020 - 05.2022
- Relationship Manager (RM) responsibilities focused on client relationships and business development.
Corporate Accounts Manager
Tata AIA Life Insurance
10.2019 - 03.2020
- Managed corporate accounts through the HDFC Bank Banca Channel.
- Focused on business lead generation, product mix, customer satisfaction and compliance.
Deputy Manager
Axis Bank
07.2013 - 09.2019
- Managed CASA product sales across branch channels and other bank products.
- Generated new business to achieve CASA, sales and revenue targets.
- Maintained product knowledge and comparative analysis of competing products.
- Created and managed sales trackers to measure activity levels and performance.
- Provided timely MIS on business leads, applications, issued business and product mix.
- Provided customer support from the first premium payment through claim management.
- Ensured statutory compliance and accuracy/completeness of required documents and forms.
Area Sales Executive
HDFC Bank Limited / Pamac Financial Services Limited
04.2012 - 04.2013
- Worked on two-wheeler loan business and loan-processing administration.
- Prepared and processed loan proposals and verified application/document accuracy.
- Assessed applicant financial status and coordinated with survey agents.
- Interviewed applicants for clarification and identified discrepancies.
- Explained repayment modes and helped customers select suitable strategies.
- Addressed customer grievances relating to loan processing and repayment schedules.
Education
M.A -
Kalyani University
B.A – Bachelor of Arts -
Kalyani University
Personal Information
Title: BRANCH SALES MANAGER | BANKING SALES BUSINESS DEVELOPMENT
Certification
IRDA, AMFI (Valid up to August 2028)
Languages
Title: BRANCH SALES MANAGER | BANKING SALES BUSINESS DEVELOPMENT
Disclaimer
Title: BRANCH SALES MANAGER | BANKING SALES BUSINESS DEVELOPMENT
ADDITIONAL DETAILS
Title: BRANCH SALES MANAGER | BANKING SALES BUSINESS DEVELOPMENT
Languages
English
Upper Intermediate
B2
Timeline
Branch Sales Manager
Axis Bank
02.2023 - Current
Branch Sales Manager
Bandhan Bank
05.2022 - 02.2023
Deputy Manager
IndusInd Bank
05.2020 - 05.2022
Corporate Accounts Manager
Tata AIA Life Insurance
10.2019 - 03.2020
Deputy Manager
Axis Bank
07.2013 - 09.2019
Area Sales Executive
HDFC Bank Limited / Pamac Financial Services Limited
04.2012 - 04.2013
M.A -
Kalyani University
B.A – Bachelor of Arts -
Kalyani University