Ratul Chakraborty
Banking & Insurance Professional
Kolkata
Summary
Result-oriented professional with experience of over 23 + years in Sales & Marketing. With 11 years experience in Banking domain and 7 years in Insurance Sector and 5 year in FMCG companies. My core skills includes Retail Institution , Branch Banking and Banassurance .
I have proven track record and a collaborative Leader with dedication to partnering , empowering work culture to maintain relationship with diverse stakeholders expertise in solutioning to Clients as per the need and requirement. Insightful Manager with experience directing and improving operations through effective employee motivational strategies and strong policy enforcement. Proficient in best practices, market trends and regulatory requirements of industry operations. Talented leader with analytical approach to business planning and day-to-day problem-solving.
Overview
24
24
years of professional experience
1
1
Language
Work History
Sales Officer
Cadbury India Limited
01.2004 - 01.2004
- Result Area
- To achieve volume & value sales of products across categories, geographies & Retail Environments
- Ensuring Distribution &
- Visibility of products across retails outlets & Wholesalers
- To coordinate commercial activities, ensure timely collections, timely claims submission & maintaining ROI tracker
- To manage Re-
- Distributor Salesmen for efficient delivery & ensure regular up gradation of Re-distributors salesmen.
Senior Territory Sales Executive
United Breweries Limited
01.2000 - 01.2004
- Result Area
- Managed all Sales & business development functions, looking after primary & Secondary Sales
- Plan and manage the full relationship between business and stakeholders and Liaison for closure of key accounts
- Monitor institutional Sales and plan promotional events for better brand visibility
- Liaison with Excise official for Label Registration, Permit and order execution.
Circle Manager - Retail Institution
Kotak Mahindra Bank Ltd
Kolkata
02.2023 - Current
- Presently assigned the Territory of Entire East and managing the same with 1 Cluster Manager & 7 Relationship Manager.
- Responsible for acquiring NTB/ OTB Clients for Institutional Business with a detailed understanding of Liability Products.
- Work in coordination with SME , WBG , Wealth Management , Branch Banking Team to work on the synergy model to drive revenue targets.
- Liaison with CMS, IT , Product Team and understanding the fund flow requirement of the entities and developing and implementing customized banking Solutions.
- Over all responsible for Budget , P & L achievement of the Zone.
- Ensure Compliance & Regulatory guidelines are complied.
Cluster Head
Bandhan Bank
Guwahati
06.2020 - 01.2023
- My job responsibilities includes to manage 15 Branches with a employee strength of 120.
- Key responsibilities includes managing and growing the retail banking business within the cluster.
- Responsible for Sales management and revenue generation .In addition ,provide quality leadership, encouragement, and guidance to all assigned personal,while ensuring that clients receive superior client service quality
- Responsible for generating business for various assets and liability products and also revenue generation from Third party products
- Drive various initiatives for increasing customer penetration for sales.Developing relationships with key decision makers in target organization for business development
- Also supervise compliance and regulatory requirements and address customer grievance when escalated
- Overall responsibility for acting as a Profit Center for the Cluster.
Regional Head Sales
ICICI Bank Limited
Siliguri
01.2015 - 06.2020
- Result Area
- Key responsible includes achieving Profitability, Revenue Target & NII Income from Institutional Clients through Branch Banking Team and Dedicated Relationship Manager
- Identify high value CA prospects and convert them into real business opportunities by providing end to end solutions and suitable products Follow risk policy and processes to mitigate the operational, regulatory financial, reputational and audit risk as instructed by the respective teams.
- Understand Challenges faced by Institutional Clients and co-ordinate with product Team to design solution for them and on boarding them with solution implementation and generate incremental business
- Conduct periodic review of under-performing customers and draw an action plan for improvement Gather Market intelligence
Branch Manager
ICICI Bank
Guwahati
04.2012 - 06.2015
- Result Area
- Lead a result oriented team and is responsible for managing the
- Branch Profitability, ensuring high quality service and Customer
- Relationship Management,Ensure achievement of overall Branch
- Target by generating business and cross sales ,Monitoring key customer Relationship Management & supervision of all High Net
- Sales model functions as per design and ensure Compliance with Banking rules, regulations and procedures
- Segment the customer within the catchment of the Branch to increase the casa base of the branch
Training Manager
BABP, MetLife India Insurance Co.ltd
Guwahati
01.2009 - 01.2012
- Area
- Conducting new hire induction training to Front Line sales
- Conducting training on various product & selling skills to channel partners Managing the development of training curriculum, formulating and reviewing training outline
- Preparing per training and post training evaluation tools and kits, identifying potential areas for grooming employees and mentoring to develop appropriate module
- Taking care of Banassurance business for the entire region and deliver business numbers.
Branch Training Manager
Tata AIG Life Insurance Co ltd
Jorhat
01.2007 - 01.2009
- Key Result Area
- To manage the Sales Training across all Sales Verticals, plan and execute monthly training calendar for agents, Bank partners
- Drive training coverage as per defined standards, increase in sales productivity basis agreed benchmark
- Reduce attrition in sales organization with all support
- Working with business leaders and managers to identify training need and trends within business
- Lead and evaluate training programs, orientation and personal development.
Senior Sales Officer
Imperial Chemical India Ltd
01.2004 - 01.2007
- Result Area
- Handling Channel of distributors & dealers
- Appointing new dealers and distributors for the expansion of channel
- Formulation & implementation of business plan to achieve the targeted sales through Channels and providing support & service to channel partners Create and maintain an effective awareness and sales of company products and services among end users and distributors.customer Retention
- Market and brand development identifying and networking with financially strong and reliable dealers resulting in deeper market penetration and reach
- Evaluating performance of distributors, sales activities for promotion planning.
Education
PG Diploma - Sales & Marketing
Aptech
B.A - Arts&Humanities
Dibrugarh University
Skills
Staff Management
undefinedWork Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
Circle Manager - Retail Institution
Kotak Mahindra Bank Ltd
02.2023 - Current
Cluster Head
Bandhan Bank
06.2020 - 01.2023
Regional Head Sales
ICICI Bank Limited
01.2015 - 06.2020
Branch Manager
ICICI Bank
04.2012 - 06.2015
Training Manager
BABP, MetLife India Insurance Co.ltd
01.2009 - 01.2012
Branch Training Manager
Tata AIG Life Insurance Co ltd
01.2007 - 01.2009
Sales Officer
Cadbury India Limited
01.2004 - 01.2004
Senior Sales Officer
Imperial Chemical India Ltd
01.2004 - 01.2007
Senior Territory Sales Executive
United Breweries Limited
01.2000 - 01.2004
PG Diploma - Sales & Marketing
Aptech
B.A - Arts&Humanities
Dibrugarh University
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