Saikat Roy
Banker
Kolkata
Summary
As a seasoned banking professional with over 8 years of experience, I seek to leverage my expertise in branch banking and treasury management in a dynamic role within the financial services sector. Currently managing a business book of over USD 50 million as the Branch Head of a mid-sized SBI branch at a metro center, I have a proven track record of driving customer satisfaction, business growth, and operational excellence. My certifications in JAIIB, CAIIB, and as a Certified Treasury Professional highlight my commitment to professional development and excellence. I am eager to contribute my skills in a treasury or branch banking role, where I can drive growth and innovation in a challenging and rewarding environment.
Overview
9
9
years of professional experience
4
4
years of post-secondary education
3
3
Certifications
3
3
Languages
Work History
Branch Manager
State Bank of India
06.2024 - Current
- Lead a team of 9 in daily operations at a Scale 3 branch located in a metropolitan area of Kolkata.
- Manage and expand a business portfolio exceeding INR 500 crores, driving significant branch profitability.
- Achieved AA rating for the branch in Risk Focused Internal Audit securing A grade in both Credit Risk Management and Operational Risk Management.
- Maintain friendly and professional customer interactions. Improve customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Achieve yearly targets related to growth in personal, real estate, and SME advances, deposits, and value‑added products while maintaining stressed loans within budgeted levels.
- Market and promote a variety of financial products and services, enhancing overall branch performance and delivering exceptional customer service with high levels of customer satisfaction.
- Cultivate relationships with high‑net‑worth individuals (HNIs), government departments, and small to medium businesses to meet their diverse banking needs and generate new business opportunities.
Relationship Manager (Treasury)
State Bank of India
10.2020 - 05.2024
- Managed a diverse portfolio of clients, ranging from large corporates to SMEs across Eastern India, overseeing a forex turnover exceeding USD 4.5 billion annually.
- Focused on increasing the Bank's market share in forex volumes, achieving substantial year-on-year growth in forex revenue.
- Analyzed client requirements to provide customized hedging solutions, including forward contracts, derivative products, and structured products, while offering swaps and FCNR loans to reduce client borrowing costs.
- Built and maintained relationships with new and existing clients while providing high level of expertise. Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Monitored corporate activities, such as capital expenditure expansions, acquisitions, export/import flows, and funding activities (ECBs, FDI/ODI), advising clients on suitable treasury solutions tailored to these developments.
- Conducted market analysis, keeping abreast of global economic, geopolitical, regulatory, and technological trends, providing clients with insights and strategic advice based on these analyses.
- Engaged with multiple bank verticals, including Corporate Banking, Retail Banking, IT, and Research, fostering strong cross-functional synergies to enhance overall customer satisfaction.
- Organized and conducted customer and exporter meets, often involving senior management, and delivered presentations on the Bank's treasury products and services to educate and engage clients effectively.
Branch Manager
State Bank of India
05.2018 - 10.2020
- Led and supervised a team of 6 in daily operations at a Scale 2 incumbency branch in hilly terrains, ensuring seamless banking services and operational efficiency.
- Managed and expanded a business portfolio exceeding INR 100 crores, driving significant branch profitability and sustainable growth.
- Achieved a more than twofold increase in the branch's advances during my tenure, from INR 16.21 crores to INR 33.19 crores.
- Successfully brought the branch back to operating profit after seven financial years of operating losses.
- Strengthened relationships with key clients including high-net-worth individuals (HNIs), government departments, and defence units, securing long-term partnerships and driving revenue growth.
- Maintained a CASA ratio above 60% throughout, contributing to the branch's stable and low-cost deposit base.
- Marketed and promoted a wide range of financial products and services, enhancing overall branch performance while delivering exceptional customer service and achieving high levels of customer satisfaction.
- Advocated for a less-cash economy by onboarding customers to the bank's digital platforms, promoting digital banking services.
- Ensured effective implementation of government schemes, enhancing financial inclusion and access to social security services.
- Navigated the challenges of the COVID-19 pandemic, ensuring uninterrupted and seamless banking services during the crisis.
Field Officer
State Bank of India
12.2017 - 05.2018
- Managed a loan book of Rs. 50 Crores, encompassing Agriculture, SME, and Personal segment advances in a rural branch located in a remote village in the hilly terrains of Sikkim
- Achieved the yearly budget for advances growth by effectively identifying and targeting loan opportunities within the area of operation
- Led recovery efforts for stressed loans and NPAs, implementing strategies to minimize delinquencies and enhance portfolio quality
- Marketed the bank's retail loan products across villages and small towns spanning two districts, East Sikkim and South Sikkim, contributing to the growth of the bankʼs retail portfolio
- Built relationships with local customers and community members to understand their financial needs and deliver tailored banking solutions
Probationary Officer
State Bank of India
12.2015 - 11.2017
- Completed two years of comprehensive on-the-job training in various facets of banking, including general branch banking, personal segment loans, SME loans, agricultural loans, stressed assets management, and operations at loan processing centers
- Participated in a marketing campaign for Education Loans targeted at new joiners at IIT Kharagpur
- Engaged in three institutional training programs held at one of SBIʼs apex training institutes in Gurugram and learning centres at Panchkula and Guwahati, enhancing knowledge and skills in banking operations
- Successfully completed the training program and passed the confirmation exam and interview, resulting in direct confirmation as a Scale 2 officer (Deputy Manager)
Education
Bachelor of Technology -
KIIT University
Bhubaneswar, Odisha 05.2011 - 05.2015
JAIIB - undefined
IIBF
CAIIB - undefined
IIBF
Certified Treasury Professional - undefined
IIBF
Skills
Customer service
Certification
JAIIB, IIBF, 07/01/16
Personal Information
- Date of Birth: 12/20/92
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Timeline
Branch Manager
State Bank of India
06.2024 - Current
Relationship Manager (Treasury)
State Bank of India
10.2020 - 05.2024
Branch Manager
State Bank of India
05.2018 - 10.2020
Field Officer
State Bank of India
12.2017 - 05.2018
Probationary Officer
State Bank of India
12.2015 - 11.2017
Bachelor of Technology -
KIIT University
05.2011 - 05.2015
JAIIB - undefined
IIBF
CAIIB - undefined
IIBF
Certified Treasury Professional - undefined
IIBF
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