PRASHANT BHATTACHARYA
Senior BFSI Professional
Mumbai
Summary
BFSI professional with 23 years of experience in managing large teams in banking/NBFC domains with skill sets on Asset Product Launch and modelling, Productivity management, Channel Management and Relationship Management.
Overview
24
24
years of professional experience
6
6
years of post-secondary education
3
3
Languages
Work History
Program Head - Retail Assets, BBB
RBL Bank Ltd
Mumbai, India
10.2022 - Current
- Drive cross sell of Urban and Rural asset products across Metro, Urban, Semi Urban and Rural branches of RBL Bank through branch team
- Design and execute product level branch level sales strategy for all products
- Build Asset Business orientation and capability in the existing Branch Banking Team
- Enhance productivity and profitability of Rural branches through asset sales and asset book
- Achieve branch network cross sell disbursal target for all products individually
- Ensure adherence to policy and process and control X bucket delinquency
Program Head - Asset Sales Rural Banking
RBL Bank Ltd
Mumbai, India
05.2019 - 10.2023
- Designed and launch Physical and digital models for Agri Loans, Personal Loans, Gold Loans, Secured Credit Cards, MSME Loans and Affordable Housing Loans for Rural Banking Branches
- Built Asset sales orientation and capability in the existing Rural Banking Team
- Enhanced productivity and profitability of Rural branches through asset sales and asset book.
Business Head - Secured Enterprise Loans
Capital Trust Ltd
Delhi, India
06.2018 - 10.2018
- Designed a new business model for secured enterprise loans and implement the same Pan India with expansion focus on western and southern states
- Develop product and policy for improvement in the existing product parameters
- Develop a low TAT efficient processing system for better customer experience by use of technology
Senior Vice President & Head - Alternate Channels
Vistaar Financial Services Pvt. Ltd
Bangalore, India
06.2017 - 05.2018
- Designed alternate channel business model and implement the same Pan India with major focus on Urban locations
- Developed a competitive policy and pricing structure best suited for channel-based business model through discussion with product and credit team
- Did Pan India tie ups with mass channel partners
- Developed the existing team through training inputs
Senior Vice President & Zonal Business Head
Vistaar Financial Services Pvt. Ltd
Indore, India
04.2016 - 05.2017
- Developed network of branches in new areas like Delhi NCR and Haryana
- Building business in Maharashtra and Gujarat through recruitment of right manpower and close tracking of sourcing as per new policy and norms
- Book size handled was 373 Crore as of May 2017
- Managed a team of 4 state heads in Gujarat, Maharashtra, Delhi NCR/UP/UK and MPCGOD with 288 branches 700 plus branch and field staff.
Senior Vice President Business
Vistaar Financial Services Pvt. Ltd
Indore, India
04.2015 - 03.2016
- Managed building a profitable book in MP, CG, RJ and GJ through regular tracking of business and monitoring of portfolio
- Portfolio handled was of Rs.257 Crore as of March’ 16
- Successfully managed a team 7 Cluster Managers and 380 plus employees in my region.
Vice President & State Business Head
Vistaar Financial Services Pvt
Indore, India
04.2014 - 03.2015
- Developed a network of 50 branches in Madhya Pradesh, Chhattisgarh and Rajasthan as profit centers.
- Ensuring building up of sustainable business volumes, revenues and profits from the upcoming branches
- Branches of MP have been rated best in the country as per branch rankings, with a portfolio of more than 200 crore
- Monthly business originations have grown by 40% every month with zero PAR in almost 10 months
- Successfully managed a team 5 Cluster Managers and 315 plus employees in my region.
Regional Business Head East
Fullerton India Credit Co.Ltd.
Kolkata, India
03.2013 - 03.2014
- Developed Eastern India specially Kolkata, rest of West Bengal, Bihar, Assam and North Eastern India to its full potential
- Expanded branch network in states of Bihar, Assam and North Eastern States
- Portfolio Size of Rs.147 Crore as of March 2014
- Successfully managed a team 2 Cluster Managers and 150 plus employees in my region.
State Business Head and Vice President
Fullerton India Credit Company Ltd
Indore, India
12.2006 - 02.2013
- Driving multiple products including personal loan, business loan, mortgage loan, two-wheeler loans and insurance across branches
- Planning and executing Business strategies to ensure healthy management of the portfolio with a book size of Rs.351 crores
- Successfully managed team of 4 cluster managers along with state credit manager and state collection manager with a total team size of more than 300 employees.
Relationship Manager Cards & PL
HSBC
Indore, India
08.2003 - 12.2006
- Cards/Personal Loan sales and Channel Management
- CIF of 3500 cards
Relationship Manager CASA and TPP
IDBI Bank
Indore, India
09.2002 - 08.2003
Officer Branch Banking
ICICI Bank
Bhopal, India
01.2000 - 09.2002
Education
CAIIB -
Indian Institute of Banking and Finance
04.2009 - 03.2010
MBA Finance - Business Finance
Indian Institute of Finance
Delhi 07.1997 - 06.1999
Bachelor of Science -
Hindu College
Delhi 07.1994 - 06.1997
Skills
Innovative and solutions orientedundefined
Interests
Traveling, Photography, Music, Motorcycles
Timeline
Program Head - Retail Assets, BBB
RBL Bank Ltd
10.2022 - Current
Program Head - Asset Sales Rural Banking
RBL Bank Ltd
05.2019 - 10.2023
Business Head - Secured Enterprise Loans
Capital Trust Ltd
06.2018 - 10.2018
Senior Vice President & Head - Alternate Channels
Vistaar Financial Services Pvt. Ltd
06.2017 - 05.2018
Senior Vice President & Zonal Business Head
Vistaar Financial Services Pvt. Ltd
04.2016 - 05.2017
Senior Vice President Business
Vistaar Financial Services Pvt. Ltd
04.2015 - 03.2016
Vice President & State Business Head
Vistaar Financial Services Pvt
04.2014 - 03.2015
Regional Business Head East
Fullerton India Credit Co.Ltd.
03.2013 - 03.2014
CAIIB -
Indian Institute of Banking and Finance
04.2009 - 03.2010
State Business Head and Vice President
Fullerton India Credit Company Ltd
12.2006 - 02.2013
Relationship Manager Cards & PL
HSBC
08.2003 - 12.2006
Relationship Manager CASA and TPP
IDBI Bank
09.2002 - 08.2003
Officer Branch Banking
ICICI Bank
01.2000 - 09.2002
MBA Finance - Business Finance
Indian Institute of Finance
07.1997 - 06.1999
Bachelor of Science -
Hindu College
07.1994 - 06.1997
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