Piyali Dey
Banking Professional
Guwahati,AS
Summary
Assistant Manager at The Federal Bank with demonstrated experience in business acquisition, asset quality management, and regulatory compliance. Holds a Bachelor’s and Master’s degree in Mechanical Engineering, contributing strong analytical capability, technical understanding, and a structured problem-solving approach. Proven exposure to retail banking, HNI relationship management, client onboarding, and cross-selling, complemented by design thinking and marketing acumen, enabling effective contribution across banking and financial services functions.
Overview
6
6
years of professional experience
3
3
Certifications
Work History
Assistant Manager
Federal Bank Limited
08.2022 - Current
- Built strong demographic intelligence by working across diverse geographies—Probationary Officer in Mirganj, Bihar (NRI-influenced rural belt) (2022–23); very large-scale branch exposure (2023–25) in Silchar, Assam; and currently as Assistant Manager at Guwahati (Silpukhuri) Medium - Scale Branch, enabling effective localization of business and service strategies.
- Delivered 95%+ branch KPIs, managing a ₹99+ Cr portfolio with full compliance to RBI and internal policies.
- Strengthened governance through BCMO self-testing and root-cause analysis, achieving zero major audit observations, and reducing compliance pendency.
- Drove business growth by increasing CASA and deposits to ₹79 Cr, advances to ₹30 Cr, maintaining a CASA ratio of 37%, and expanding the customer base from 6,300 to 6,500.
- Generated incremental advances of ₹4 Cr (Gold Loans and Business Banking Lending) in FY 25–26 through focused sales execution and strategy support.
- Generated 25 lakh in fee income via cross-selling third-party products, and closed ₹90 lakh in wealth management investment deals By closely coordinating with investment RM.
- Improved asset quality by closely monitoring NPAs, DRT, and legal cases, reducing the NPA/Advance ratio to 0.57.
- Led end-to-end KYC/AML, operational risk, and customer escalations, exercising independent judgment to resolve exceptions.
- Partnered with Credit Hubs to ensure timely sanction, rejection of proposals, and closure of audit observations within prescribed timelines.
- Built high-performing teams by mentoring staff and new joiners, reducing onboarding and processing errors (FTNR) by approximately 20%.
- Leveraged MIS and performance dashboards to optimize profitability and maximize returns from the tagged customer base.
Assistant Manager
Federal Bank Limited
08.2022 - Current
- Built strong demographic intelligence by working across diverse geographies— Probationary Officer in Mirganj, Bihar (NRI-influenced rural belt) (2022–23); Large-scale branch exposure (2023–25) in Silchar, Assam; and Currently Assistant Manager at Guwahati (Silpukhuri) Branch, enabling effective localization of business and service strategies.
- Delivered 95%+ branch KPIs, managing a ₹99+ Cr portfolio with full compliance to RBI and internal policies.
- Strengthened governance through BCMO self-testing and root-cause analysis, achieving zero major audit observations, and reducing compliance pendency to 10%.
- Drove business growth by increasing CASA and deposits to ₹79 Cr, advances to ₹30 Cr, maintaining a CASA ratio of 37%, and expanding the customer base from 6,300 to 6,500.
- Generated incremental advances of ₹4 Cr (Gold Loans & Business Banking) in FY 25–26 through focused sales execution and strategy support.
- Generated ,25 lakh in fee income via cross-selling third-party products, and closed ₹90 lakh in wealth management investment deals By closely coordinating with investment RM.
- Improved asset quality by closely monitoring NPAs, DRT, and legal cases, reducing the NPA/Advance ratio to 0.57.
- Led end-to-end KYC/AML, operational risk, and customer escalations, exercising independent judgment to resolve exceptions.
- Partnered with Credit Hubs to ensure timely sanction, rejection of proposals, and closure of audit observations within prescribed timelines.
- Built high-performing teams by mentoring staff and new joiners, reducing onboarding and processing errors (FTNR) by approximately 20%.
- Leveraged MIS and performance dashboards to optimize profitability and maximize returns from the tagged customer base.
Assistant Manager
Federal Bank Limited
08.2022 - 08.2022
- Led business development at Federal Bank, acquiring new clients and promoting digital products:
- Onboarded ETB clients, boosting CASA and deposits
- Cross-sold life insurance and mutual funds
- Processed gold loans and retail advances, ensuring smooth service
Art Director
Saatchi & Saatchi Propagate
02.2020 - 11.2019
- Conceptualized and designed visuals for Activa Inc, collaborating with clients. Developed brand kits for consistency and created logos, illustrations, and other visual elements to enhance identity.
Education
M.Tech - Mechanical Engineering, Machine Design
Tezpur University
01.2022
B.Tech - Mechanical Engineering
Dibrugarh University
01.2019
Skills
Strong written and verbal communication skills
Performance data analysis and reporting
Customer engagement management
Business operations management
Strategy execution support
Compliance monitoring
Customer acquisition and market mapping
Advance portfolio management
Credit proposal closure and coordination
Proficient in MS Office Suite, Adobe and Design software
Creative thinking and problem-solving
Accomplishments
- Top Lead Generator (LG) in Fee Income for Q1, Q2, and Q3 – FY 2025–26.
- “Emerging Talent of the Quarter”, Federal Bank – Q1, Q2, and Q4 (FY 2024–25), Guwahati Region.
- Appreciation Trophy, Federal Bank, for Fee Income Achievement.
- Top Lead Generator (LG) – Q3 (FY 2023–24), Patna and Guwahati Regions
Certification
SP- Specified Person- IRDAI
Timeline
NSIM- VA
02-2026
Six Sigma White Belt
03-2024
SP- Specified Person- IRDAI
04-2023
Assistant Manager
Federal Bank Limited
08.2022 - Current
Assistant Manager
Federal Bank Limited
08.2022 - Current
Assistant Manager
Federal Bank Limited
08.2022 - 08.2022
Art Director
Saatchi & Saatchi Propagate
02.2020 - 11.2019
B.Tech - Mechanical Engineering
Dibrugarh University
M.Tech - Mechanical Engineering, Machine Design
Tezpur University
INTERNSHIPS
- Vocational Trainee, Indian Oil Corporation Limited (IOCL), Noonmati, Guwahati – 2018
- Vocational Trainee, North Frontier Railways, Bamunimaidan, Guwahati – 2017
- Vocational Trainee, Indian Institute of Technology (IIT) Guwahati – 2017
- Design Trainee, MSME – Tool Room & Training Centre (TRTC), Guwahati – 2016
- Full-Time Paid Design Intern, Saatchi & Saatchi Propagate, Bengaluru – 2019
- Paid Design Intern, Activa Inc. (Remote) – 2020
POSITIONS OF RESPONSIBILITIES
Training & Placement Coordinator, Tezpur University (2021–2022) – Led placement coordination, stakeholder management, and ensured process discipline and accountability.
Training & Placement Coordinator, Dibrugarh University (2017–2019) – Supported recruitment coordination, data governance, and inter-departmental processes.
Literary & Fine Art Secretary, Varsity Week (2017–2018) – Managed event planning, coordination, and adherence to institutional guidelines.
Event Manager, Auxesis – Technical Fest (2016–2017) – Led event execution, team coordination, and delivery within timelines and budgets.