Strategic-thinking professional with robust experience in driving business transformations and operational improvements. Known for delivering strategic initiatives that foster growth and enhance profitability. Exceptional at fostering collaborative environments and adapting to dynamic business needs.
Overview
20
20
years of professional experience
Work History
SVP & Zonal Head -East
Indusind Bank
11.2021 - Current
Managing 6 states (Bengal, Odisha, Chattisgarh, Jharkhand, Assam and Bihar)
Director & Partner
Start up Venture & Advisory
07.2015 - 11.2021
Achieving Budgeted revenue, asset and cross sell, managing delinquency, structuring customized deals for emerging corporates, ring fencing risk proposals, recruitment of new talent and training of existing talent.
Providing Trade advisory, Cross-selling Trade & Forex Products, maintaining asset liability equilibrium, managing large portfolios & liability propositions, keeping close track of the policy guidelines both internal and external, covering clients with respect to risk-return expectation.
Responsible for driving Trade Product Sales across the SME portfolio through new client acquisition and existing account mining thereby generating trade fee income and NII/FX through various Trade offerings.
Maximized utilization and revenue through periodic review of credit limit requirements.
Effectively increased utilization from 55% to 70% across the portfolio through sustained efforts along with an increase of average Product Penetration Index (PPI) of Trade products from 2.5 to 4 across the portfolio along with cross selling of Cash Management / Liability / Treasury products.
Consistently achieved income targets y-o-y for the segment.
Built a team from 3 RMs to 5 Regional Heads and 30 RMs in last 18 months.
Entrepreneurial start up including spearheading a team of 40 people in sales, operations and back office.
Handling SME and corporate clients for all their communication needs, Managing and hedging portfolio risks with respect to interest rates and foreign currency fluctuations, streamlining operations to optimize delivery time by 30% and reduce wastage by 20%, penetrating and strengthening existing client relationships thus increasing revenue by 12%, devising sales incentive plan and ‘rewards and recognition’ events for the team, achieving budgeted numbers on revenue and cost.
Vice President
HSBC
09.2009 - 06.2015
Company Overview: Commercial Banking(East)
Managing the pan-India portfolio of non-relationship managed Business Banking customers, totaling 45,000 approx.
Responsibilities included: (a) achievement of revenue target of USD 8 mn on this portfolio, (b) leading a team of 18 direct reportees across 12 centers (c) close interface with Marketing dept. for originating and implementing product marketing campaigns in Trade and PCM for deepening wallet share within this portfolio and (d) Up scaling Asset Relationships.
Handling large commercial Banking relationships with a portfolio of UDS 120 mn and revenue achievement of USD 10.
Commercial Banking(East)
Vice President
HSBC
07.2006 - 08.2009
Company Overview: SME(East)
Cluster Manager for SME, Eastern India.
Managed a team of Relationship Managers and Sales Managers for acquisition and management of a portfolio of clients for transaction banking solutions and structured trade asset products.
The assignment involved thorough understanding of clients’ businesses, providing structured solutions to them and in training and development of the SME team on the product suite.
Awarded the best cluster manager award in India for 2007: recognized in annual convention organized by CMB in Switzerland.
SME(East)
RM, SME Banking
Standard Chartered Bank
05.2005 - 07.2006
Assessment of financing needs of businesses of small and medium enterprises (eligibility criteria of Turnover up to INR 10 bio) for both existent portfolio as well as prospect customers.
The relevant suite of products for this purpose included Term Loans, Bills Discounting, Letters of Credit, Bank Guarantees, Buyer’s Credit, UPAS etc.
It also involved balance sheet spreading and credit analysis of the clients.; defending proposals with credit committee for obtaining approvals; post-sanction documentation and monitoring.