NIRMAL ROY

Key Responsibilities:

• Business Development & Sales: Drive NTB customer acquisition, lead generation, client engagement and sustainable business growth.
• Credit & Documentation: Manage end-to-end login documentation, KYC, compliance and customer due diligence.
• Credit Appraisal: Prepare and analyse CMA Data, CAM and credit proposals with financial and business assessment.
• Sanction & Processing: Prepare sanction notes and coordinate with Credit, Legal, Technical and Operations teams for timely processing.
• Disbursement Management: Ensure timely and smooth disbursement of sanctioned proposals with complete documentation and compliance.
• Portfolio Management: Monitor existing relationships, account conduct, utilization, business performance and credit quality.
• ETB Renewals: Ensure timely renewal of existing credit facilities with complete documentation and regulatory compliance.
• Audit & Regulatory Compliance: Maintain strong adherence to banking policies, internal controls, KYC and audit requirements.
• Customer Relationship Management: Handle customer requirements and complaints effectively, ensuring timely resolution and high service standards.
• Revenue & Portfolio Growth: Drive quality acquisition, cross-selling, customer retention, revenue generation and overall portfolio growth through strong relationship management.

• Key Responsibilities:
• Managed the MSME portfolio with exposure to CC, OD, TL, BG, and FD-backed facilities.
• Structured working capital limits are based on financial analysis and operating cycle assessment.
• Handled the end-to-end credit lifecycle for both NTB and ETB customers.
• Ensured timely renewal with updated financials and compliance documentation.
• Coordinated legal, valuation, inspection, and due diligence processes.
• Conducted periodic customer visits, and prepared inspection reports.
• Monitored portfolio performance and shared MIS at the cluster level.
• Ensured closure of pending deferrals, and adherence to credit policy.
• Conducted branch training sessions to improve lead generation.
• Participated in daily business review meetings, and coordinated cross-sell initiatives.
• Regular performance review meetings with Branch Managers, Cluster Head, and Regional Head.
• Successfully achieved cross-sell targets by strategically promoting Current and Savings Accounts (CASA), Insurance, Fixed Deposits, and other third-party products, resulting in improved non-interest income, and stronger client engagement.

• Key Responsibilities:
• Joined HDFC Bank as a Sales Manager for the Business and Doctor loan department, responsible for the entire Siliguri Cluster, spanning from Darjeeling to Cooch Behar, overseeing 20 branches.
• Achieved month-on-month targets, contributing to significant business growth in the region.
• Activated and motivated branch and team executives, resulting in increased cross-selling of products such as FD, LI, and GI.
• Conducted daily branch visits, ensuring hands-on engagement and support for branch employees.
• Prepared and disseminated MIS reports to all branches, facilitating informed decision-making and goal tracking.
• Participated in conference calls, led team meetings, and conducted regular reviews to drive core product business planning, and execution.

• Key Responsibilities:
• Managed the personal loan department (PL, BL, and Doctors Loan) throughout the Malda region, supervising 13 branches from Dalkhola to Murshidabad.
• Surpassed month-on-month sales targets, enhancing business growth and activating branches and staff.
• Directed a team of executives in successful cross-selling initiatives for FD, CA, SA, LI, and GI products.
• Conducted weekly oversight visits to branches while compiling and distributing MIS reports.
• Actively participated in team meetings and conference calls, driving discussions on business strategy.
• Collaborated with branch managers to review performance metrics and improve core product strategies.

• Key Responsibilities:
• Proficient in managing various MSE loans, such as LAP, Business Secured Loan, Secured Enterprise Loan, Overdraft Facility, and Unsecured Loans.
• Accomplished all the set targets of the bank on a monthly, quarterly, and yearly basis.
• Attained the top position in the Siliguri Cluster consistently.
• Ranked among the top 10 positions across pan-India.

• Key Responsibilities:
• Joined as a Business Executive in the Credit Cards Department.
• Responsible for sourcing new credit card customers, and achieving monthly sales targets.
• Consistently exceeded performance benchmarks within assigned clusters.
• Recognized as the Best Performer in the Cluster for outstanding sales performance.
• Awarded the "Rising Star Award" along with a performance certificate for exceptional contribution.

• Key Responsibilities:
• Worked in an international, US-based, non-voice process handling back-end operations and client servicing.
• Successfully managed six different projects simultaneously, ensuring timely delivery and quality compliance.
• Maintained high accuracy standards, and consistently achieved productivity targets.
• Received multiple Best Performer Awards and Project Topper Awards for outstanding performance and dedication.

• Key Responsibilities:
• Completed a 36-month tenure in an international process environment, gaining strong operational and customer service experience.
• Handled process operations with a focus on quality, accuracy, and timely service delivery.
• Consistently achieved performance and productivity targets.
• Recognized with multiple awards, including Rising Star, Best Performer, and Best Team Award, for outstanding contribution and teamwork.