SAGAR RANJAN DAS
Banker
Kolkata
Summary
- Performance-driven Assistant Vice President with 16 years of experience aligning systems with business requirements, policies and regulatory requirements. Passionate about applying excellent organization and communication skills to manage and lead teams. Results-oriented individual well-versed in interfacing and consulting on business processes to drive results based on sound overall business judgment.
- Results-driven Banker with forward-thinking approach centered on company success and competitive growth. Demonstrated record of success in building successful teams and managing profitable operations.
- Talented Vice President with excellent employee development, customer service and analytics skills . Comfortable giving engaging presentations to clients to drive new business, expand accounts and establish brand profile. Excellent team builder and leader of initiatives.
Overview
16
16
years of professional experience
7
7
years of post-secondary education
1
1
Language
Work History
AVP
Bandhan Bank
Kolkata
10.2021 - Current
- Setting up Retail Payment Infrastructure at bank level
- Managing Bank-wide Unique Payments Product- Product Management, Process and Operations
- Setting up Mobile and Internet Banking Payments Channel i.e
- Setting up FASTag Channel and designing the process
- Card Payments Product – Rupay,VISA,Mastercard ,Merchant Acquiring,Point of Sale (POS), e-Commerce, EMV,Softpos,NCMC etc
- Implementation of IPG channel in Bank for ecommerce acquiring
- Automation of reconciliation activities of various products and designing reconciliation tool.
- Compliance to RBI guidelines and streamlining the existing processes
- Implementation of different guidelines of various card networks (VISA/MasterCard/Rupay)
- BRD finalization and review of FSD
- Test Plan execution and review
- Neo Banking
- Vendor Management
- Reporting
- Training
- BCP Planning and execution
- Audit and Compliance
- Core Banking Migration.
- Promoted and led performance enhancement culture by actively coaching and mentoring direct reports.
- Communicated business concepts and expected functional behavior to developers and other stakeholders.
- Identified opportunities to improve business process flows and productivity.
- Established performance goals for department and provided methods for reaching milestones.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Collaborated with senior management to develop strategic initiatives and long term goals.
Senior Manager
Bandhan Bank
Kolkata
08.2018 - 09.2021
- Provided strong leadership to enhance team productivity and morale.
- Reviewed and analyzed reports, records and directives to obtain data required for planning department activities.
- Identified cost improvement changes and cost savings plans to increase company savings.
- Immediate Payment Service (IMPS)- P2P,P2A, Branch led IMPS Model.
- Implementation Unified Payment Interface (UPI) System.
- Bulk Payments Processing Gateway - Automated Clearing House (ACH Debit and Credit), Electronic Clearing Service (ECS), Aadhar Payments Bridge (APBS), Direct Benefits Transfer LPG (DBTL), Bharat Bill Payment System (BBPS) and Payment Gateway Integration with different service providers.
- Designing accounting flow for better control and reconciliation.
- Write SOP to be followed across bank branches.
- Implemented and developed operational standards, policies and procedures.
Manager
Bandhan Bank
Kolkata
09.2015 - 07.2018
- Onboarded new payment products for bank.
- Accomplished multiple tasks within established timeframes.
- Cross-trained existing employees to maximize team agility and performance.
- IMPS
- Rupay
- VISA
- Merchant Acquring
- Audit and Compliance
- Regulatory Reporting
- Risk assessment
- Executions of BCP for internal processes
Assistant Manager
National Payment Corporation of India
Mumbai
11.2012 - 08.2015
- CTS & NACH implementation meeting conducted with RBI in different locations
- (MICR and non MICR location)
- Onboarding of banks in cts platform
- DR site setup
- UAT testing
- Resolving queries raised by bank
- Daily session monitoring
- To liaise with NCR corporation and banks for CHI software delivery and installation
- Arranging network connectivity between Bank and NPCI
- Vendor management
- CHI operation training to Banks
- Implementation of quality initiatives (payee name, san, other reason, nas)
- RBI DAD a/c monitoring and reconciliation
- Daily reporting to RBI regarding cheque volume, amount, no
- Of banks participation
- Preparation of process notes
- Preparation of BDR document
- Implement Dispute Management System (DMS) between banks
- Conducting fraud awareness workshop in different locations of western grid
- Onboarding of banks in NACH Dr, APB, ACH
- Data Analysis and preparation of reports as per stakeholders need
- MOM preparation
- Exposure in other products of NPCI ( IMPS, NUUP,NFS,AEPS, Rupay)
- E BAAT presentation to banks with RBI for NFS, IMPS, Rupay, ECOM.
- Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.
- Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
Assistant Manager
HDFC Bank Ltd
Bhubaneswar
09.2010 - 10.2012
- Handles CMS, clearing, RTGS, net, ecs (both for sponsor & destination Bank)
- Nostro A/c Reconciliation
- Accountable for Audit Compliance
- Working NSDL demat module
- Handles cheque printing of CMS customers
- Report Checking
- Responsible for Customer Query
- Works in DVU (Document Verification Unit) for Account opening of Retail Branches
- Retail asset operation
- Daily RBI figure reporting to treasury dept
- Corporate client management
- Retail branch operation
- Issue of LC, BG.
Customer Relationship Officer
ICICI Bank Ltd, EBOR
Bhubaneswar
01.2008 - 09.2010
- Spearheading efforts across Finacle software and looking after functions such as Clearing, ECS
- Handling RTGS & NEFT
- Accountable for generating report on Finacle and daily checking with the vouchers
- Working on CDSL Demat Module
- Instrumental in cross selling to existing customers
- Utilizing market information & personal network to develop marketing intelligence for generating leads
- Evolving market segmentation & penetration strategies to achieve targets
- Managing customer centric banking operations, forwarding customer instructions to the concerned department & ensuring customer satisfaction by achieving delivery & service quality norms
- Liaison with clients for understanding their requirements & suggesting the most viable solution and cultivating relations with them for customer retention & securing repeat business
- Manage retail Loan, working capital, home loan portfolio of the branch
- Credit data reporting to CIBIL monthly
- Priority sector lending, DAD a/c monitoring, working capital, NPA a/c reporting to RBI on monthly basis
- Daily large cash deposit and withdrawal reporting to RBI
- Cash retention limit monitoring of branch
- Handling LC, LG, Bank Guarantee, Bill discounting.
Financial Service Consultant
ICICI Prudential Life Insurance Corporation
Bhubaneswar
04.2007 - 01.2008
- Work as a financial consultant for the banking partner ICICI Bank
- Helping branch officials in cross selling of insurance products
- Responded to inquiries from clients and provided financial advice to drive fiscal growth.
- Developed and delivered financial presentations to drive client engagement.
- After sales service support to customers.
- Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
- Advised clients on favorable investment opportunities to meet established financial goals.
- Managed client financial portfolios to minimise risk and optimize returns.
- Monitored changes in financial markets and kept clients informed of latest developments.
Education
MBA - Finance & Marketing
Institute of Management
Bhubaneswar 07.2005 - 04.2007
Bachelor of Science -
Utkal University
Bhubaneswar 07.2002 - 06.2005
XII - Science
Council of Higher Secondary Education
Odisha 07.2000 - 02.2002
X -
Board of Secondary Education
Odisha 06.1999 - 03.2000
JAIIB - undefined
Indian Institute of Banking & Finance
Certificate in Trade Finance - undefined
Indian Institute of Banking & Finance
Certificate in KYC and AML - undefined
Indian Institute of Banking & Finance
NCFM- Commercial Banking in India Beginners Module. NCFM-AMFI (Advisor) Module Certified Completed CDSL DP Training Programme NSE’S Certified Market Professional – Level 1 Certification Computer Proficiency: MS-Office, MS- power point, Tally 6.3 - undefined
Skills
Excel
Timeline
AVP
Bandhan Bank
10.2021 - Current
Senior Manager
Bandhan Bank
08.2018 - 09.2021
Manager
Bandhan Bank
09.2015 - 07.2018
Assistant Manager
National Payment Corporation of India
11.2012 - 08.2015
Assistant Manager
HDFC Bank Ltd
09.2010 - 10.2012
Customer Relationship Officer
ICICI Bank Ltd, EBOR
01.2008 - 09.2010
Financial Service Consultant
ICICI Prudential Life Insurance Corporation
04.2007 - 01.2008
MBA - Finance & Marketing
Institute of Management
07.2005 - 04.2007
Bachelor of Science -
Utkal University
07.2002 - 06.2005
XII - Science
Council of Higher Secondary Education
07.2000 - 02.2002
X -
Board of Secondary Education
06.1999 - 03.2000
JAIIB - undefined
Indian Institute of Banking & Finance
Certificate in Trade Finance - undefined
Indian Institute of Banking & Finance
Certificate in KYC and AML - undefined
Indian Institute of Banking & Finance
NCFM- Commercial Banking in India Beginners Module. NCFM-AMFI (Advisor) Module Certified Completed CDSL DP Training Programme NSE’S Certified Market Professional – Level 1 Certification Computer Proficiency: MS-Office, MS- power point, Tally 6.3 - undefined
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