Kaushik Gupta

Key functions include:

• Leading a team of 6 RMs to achieve monthly and annual targets for Working Capital and Cross-Sell products
• Managing business across 8 key districts in West Bengal (Kolkata, North 24 Parganas, South 24 Parganas, Howrah, East Bardhaman, West Bardhaman, East Midnapore and West Midnapore)
• Collaborating with Credit teams to ensure timely sanctioning of proposals
• Coordinating with CAD and Ops for smooth disbursements
• Driving new business through daily engagement with Branches, DSAs, and Connectors
• Aligning closely with RBM and Business Head on strategy and proposals
• Meeting clients and DSAs to close deals and build relationships
• Ensuring strong yield, income, and overall profitability
• Maintaining high standards of compliance and audit readiness

Key functions include:

• Managing team of 20 people (Direct and Indirect Reporting) for monthly and yearly targets of Working Capital and Cross Sell products
• Managing 6 clusters (Kolkata Cluster, Salt Lake Cluster, Andul Cluster, Krishnanagar Cluster, Naihati Cluster and Kharagpur Cluster)
• Working closely with Credit Managers, ACM, RCM, and ZCM for sanctioning the cases
• Coordinating with the entire OPS team for smooth disbursements
• Working closely and maintaining daily communication with Branch Heads, Cluster Heads, and other Channel Heads for procuring new business
• Maintaining communication and working closely with RSM, ZSM, NSM, and NBH for business proposals and updates
• Conduct various Product Training, and Policy Training for My Team, Branches and Branch Heads
• Meeting new clients to complete deals
• Maintaining the Yield, Income and Profitability of the Organization
• Maintaining a high standard of hygiene business for Audit purposes

Key functions include:

• Sourced clients via branches, DSA, market, and referrals
• Managed complete loan disbursement process incl
• Legal & valuation
• Ensured documentation quality, compliance, and risk checks (CIBIL, market refs)
• Handled client relationship: enhancements, renewals, TODs, and service requests
• Liaised with credit for smooth, query-free sanctioning
• Trained branches/channels on processes
• Followed up for timely closure of deferrals.

Key functions include:

• Acquired new clients via Branch Leads, DSA & existing relationships
• Ensured top-tier documentation, compliance & transparent client communication
• Delivered on client expectations aligned with organizational goals
• Achieved targets in earnings, assets, liabilities & credit quality
• Led and managed a team of 8 members
• Conducted training across assigned branches

Key functions include:

• Acquired and managed profitable client relationships via branches, DSA & referrals
• Prepared CAMs for fresh, renewal & enhancement proposals; ensured smooth disbursements
• Maintained high standards in documentation, compliance & client communication
• Balanced client needs across assets & liabilities, aligned with bank priorities
• Achieved targets in earnings, assets, liabilities & credit quality
• Led a 6-member team; handled operations across Kolkata & Ranchi
• Achievements: Retail Lion Awards in Q1 (FY 14-15) for best BRM-BB (East).

Key functions include:

• Acquire, grow & manage high-value client relationships, including senior management
• Structure and implement banking solutions across products in collaboration with product teams
• Assess client needs and risks to optimize risk–reward for the bank
• Prepared CAMs for fresh, renewal, and enhancement proposals
• Manage client portfolio with a focus on strong relationship management

• Sourced CASA, FD, RD, Demat, Trading, NRE/NRO, MF, and specialized accounts via existing clients & open market
• Generated and closed Life & General Insurance sales (HDFC SLIC & GI) through existing customer base

• Sourced leads for working capital products via branches & open market
• Acquired CASA & FD through existing clients and market outreach
• Handled post-sanction documentation with focus on accuracy & compliance
• Ensured adherence to bank policies, audit norms & regulatory requirements

Key functions include:

• Generated working capital leads from the open market
• Collected pre-sanction documents as per credit checklist
• Ensured fee collection post sanction of facilities
• Trained new sales executives in-office and on-field

Key functions include:

• Managed a portfolio of 250 merchants with a monthly business target of ₹3.5–5 Cr
• Handled customer issues with timely resolution & cross-sold products (MEOD, LAP, PL/BL, credit cards)
• Conducted daily client visits to drive card transaction-based sourcing

• Coordinated and distributed daily worksheets across teams
• Maintained database of daily cash collections
• Prepared MIS reports on collections and office expenses for senior management