Paramita Saha
Chennai
Summary
A versatile, high-energy professional with extensive experience in Banking, particularly in Branch Banking, Retail Banking and Investment/Wealth Management and proven track record of leading large-scale teams, managing multiple branches; looking forward to work with an organization of high repute across PAN India Detail-oriented Specialist with 18 years of extensive experience in the banking and financial industry with comprehensive understanding of various financial products and services, deposit accounts, investment products and asset products. Strong track record in retail banking, held various roles such as Branch Manager and Relationship Manager; responsible for driving sales, managing client relationships, and developing business strategies Strong understanding of risk management and developed strategies to manage risks in the banking industry; developed frameworks to identify, assess, and mitigate risks, ensuring that the bank's operations are compliant with regulatory requirements Deep understanding of compliance and regulatory requirements; ensured that all operations, products, and services are in compliance with local, state, and federal laws and regulations Strong customer service orientation, always putting the needs of clients first; deep understanding of customer behavior, developed strategies that have enhanced customer experience and retention Successfully cross-sold and upsold financial products and services to clients, resulting in increased revenue and customer loyalty; implemented effective sales strategies and trained team members to do the same.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Director (Cluster Head)
Standard Chartered Bank
Bangalore
07.2019 - Current
- Successfully managing a cluster of 11 branches in the states of Tamil Nadu, Karnataka, drawing on my experience as a cluster head, as of March 2025
- Creating and implementing strategic plans for the cluster that align with the bank's overall goals and objectives with a clear understanding of the market trends, competitor strategies and regulatory environment and be able to create plans that are agile and dynamic
- Driving the sales and business development initiatives within the cluster; identifying new business opportunities, fostering new relationships with clients, and maintaining existing client relationship
- Ensuring that the bank's risk management policies and procedures are effectively implemented within the cluster; monitoring credit risk, operational risk, and market risk, and ensuring that the bank's risk appetite is not exceeded
- Managing the financial performance of the cluster; monitoring and analyzing, identifying areas for improvement, and implementing strategies to improve the team’s productivity
- Supervising the team of professionals within the cluster including recruiting, training, and developing staff, setting performance targets, and providing regular feedback and coaching
- Ensuring that the bank's activities within the cluster comply with all applicable regulations and legislation; monitoring compliance with anti-money laundering and counter-terrorism financing regulations, and ensuring that the bank's activities are conducted in an ethical and accountable manner
- Managing relationships with key stakeholders within the cluster; building and maintaining relationships with clients, regulators, and other relevant stakeholders, and ensuring that the bank's interests are well represented
- Promoting and implementing the bank's corporate social responsibility initiatives within the cluster; supporting community development programs, promoting environmental sustainability, and fostering diversity and inclusion
- Managing crisis situations within the cluster; developing and implementing contingency plans, managing the communication of crisis situations to stakeholders, and ensuring that business continuity plans are in place
Branch Manager (Koramangala)
Standard Chartered Bank
Bangaluru
10.2016 - 07.2019
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Increased efficiency and drove branch revenue by optimizing daily operations.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Performed regular audits of financial records in order to ensure accuracy.
- Analyzed data to identify trends related to products, services, customers and markets served by the branch.
- Disciplined employees to encourage compliance with company policies and procedures.
- Established and built customer relationships through targeted outreach and initiatives.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
- Provided feedback on employee performance evaluations conducted by supervisors.
Branch Manager (Jodhpur Park Branch)
Standard Chartered Bank
Kolkata
08.2012 - 10.2016
- Increased efficiency and drove branch revenue by optimizing daily operations.
- Conducted regular performance reviews for all employees in the branch.
- Disciplined employees to encourage compliance with company policies and procedures.
- Analyzed data to identify trends related to products, services, customers and markets served by the branch.
- Established and built customer relationships through targeted outreach and initiatives.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Boosted customer base, acquiring new customers and identifying needs to deliver relevant products.
- Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
Relationship Manager (Priority Banking)
Standard Chartered Bank
Kolkata
10.2008 - 08.2012
- Maintained in-depth knowledge of market trends and competitor activities to advise clients effectively.
- Generated reports regarding customer interactions, performance metrics, and revenue goals.
- Provided ongoing support throughout the sales cycle by responding promptly to inquiries, resolving issues, and following up on requests in a timely manner.
- Prepared and presented detailed reports on client account status and growth opportunities to senior management.
- Achieved client loyalty through quality, productivity, service and proactive management.
- Identified customer needs, developed customized solutions, and provided knowledgeable advice.
- Conducted regular client meetings to assess progress, discuss opportunities for growth, and address any concerns.
- Resolved escalated customer issues efficiently and effectively within established timelines.
- Managed portfolio of client accounts, ensuring high levels of satisfaction and loyalty.
- Built long-term relationships with lucrative clients by utilizing active listening, effective communication and dynamic interpersonal skills.
- Identified opportunities for cross-selling and upselling financial products to meet clients' objectives.
BDM, Centre Manager
Standard Chartered Finance Limited
Kolkata
06.2004 - 09.2008
- Conducted performance reviews for team members.
- Managed annual budgeting and forecasting, optimizing resource allocation.
- Provided leadership, insight and mentoring to newly hired employees to supply knowledge of various company programs.
- Enhanced team member performance through use of strategic and tactical approaches, motivational coaching and training.
- Recruited and trained new employees to meet job requirements.
- Reviewed completed work to verify consistency, quality, and conformance.
- Resolved customer complaints and issues promptly, maintaining a positive brand image.
- Evaluated individual and team business performance and identified opportunities for improvement.
- Coached, mentored and trained team members in order to improve their job performance.
Education
PGDM - Finance
AIMA
Kolkata01.2004
B.Com. - honours
Calcutta University
Kolkata01.2002
Skills
- Thinker
- Analytical
- Intuitive
- Innovator
- Communicator
- Collaborator
- Strategic planning
- Employee training
- Performance evaluation
- Coaching and mentoring
- Budget control
- Revenue forecasting
Accomplishments
- Managing 11 branches across Karnataka & Tamil Nadu, doubled overall Cluster AUM in last 3 years.
- Managed a branch of Standard Chartered Bank in Koramangala, Bangalore with 35 people and about 1200 Crores book and made it the largest branch across PAN India
- Successfully managed 170 Crores branch at Jodhpur Park, Kolkata
- Managed Personal Loan Outbound tele-calling unit of 65 team, disbursed 5 Crores of personal loan per month
- Moved license to build 3 franchises in Bangalore and made them profitable within eight months
Languages
- English
- Hindi
- Bengali
Personal Information
Date of Birth: 12/21/79
Certification
- Singapore Management University, Standard Chartered Vantage Programme, 30 October 2023 - 1 November 2023, Executive Development
- Team Leader INSEAD Programme- Advisory led Performance coaching & Client engagement
Timeline
Director (Cluster Head)
Standard Chartered Bank
07.2019 - Current
Branch Manager (Koramangala)
Standard Chartered Bank
10.2016 - 07.2019
Branch Manager (Jodhpur Park Branch)
Standard Chartered Bank
08.2012 - 10.2016
Relationship Manager (Priority Banking)
Standard Chartered Bank
10.2008 - 08.2012
BDM, Centre Manager
Standard Chartered Finance Limited
06.2004 - 09.2008
PGDM - Finance
AIMA
B.Com. - honours
Calcutta University
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