SUMANTA GHOSH

1. Carrying the liability budget [CASATD,Salary, TPP] of Eastern region in MEG dept

2.Responsible for smooth processing and sourcing of accounts

3.Handling IPO, Debentures, CSR, RERA

4. Motivating the team to source and achieve their KRA on liability

5. Monitoring of SFR, RAROC, NPA/PNPA/Overdue asset book & cleaning of portfolio

6.Responsible for coordinating with Branch, Cluster, Circle and other stake holders for generating MEG leads[ Turn over more than 100 Cr] and achieving branch budget with proper MIS,lead assignement.

7. Implementation of process and assist the MEG RM for product knowledge

• Handling a team of 14 Corporate RMs based at different branches with CA book size of 350 crore
• Responsible for business achievement of a] CA -SA-TD books of the concerned branches through CBG RM b] Forex budget c] CMS budget d] SME disbursement e] Hand holding new joinees f] Achievement of New acquisition target g] Comply with regulatory guideline h] Mentoring and guiding the RM to earn incentive Q-O-Q
• Created effective business plans to focus strategic decisions on long-term objectives.
• Created training materials and facilitated workshops to ensure staff was up-to-date on industry best practices.
• Developed strategic plans to increase efficiency across all departments while reducing overall costs.
• Coordinated and directed activities of businesses or departments concerning production, pricing and sales.
• Monitored financials including budgets, forecasts, and actuals, ensuring accuracy of information provided by subordinates.
• Conducted regular meetings with stakeholders to review performance against goals and objectives.
• Coordinated cross-functional teams in order to deliver large scale projects within agreed upon timelines.
• Monitored progress by establishing plans, budgets and measuring results.
• Assisted in developing business cases for proposed projects or initiatives.

• Responsible for fund and non fund based sourcing of SME [Turn over 10-250 crore] file, Writing proposal, Renewal, Disbursement
• Responsible for Trade and Forex budget achievement, CMS fee, Derivatives, GFID fee
• Targeted marketing
• Compliance of statutory and regulatory requirements
• Performance metrics analysis
• Reviewed performance reports and used data to develop continuous improvement initiatives
• Assessed risks in relation to day to day banking operations, KYC, AML aspects and to assist upper-level management
• Customer and employee rapport
• Evaluated operations trends and made proactive strategy adjustments to maintain alignment between performance and objectives
• Product development
• To meet & exceed all service & process related parameters as laid down by the Bank
• To efficiently monitor the key responsibilities assigned to the Teller & Branch Service Partners desks
• To diligently ensure implementation of all internal & external guidelines/process notes for the Teller functions & branch operations
• To play the role of a guide & mentor to reporting personnel with respect to Sales / Service & GST & Digitization & Tax Payments
• Acquisition of Corporate client/FI/BAG customer
• Policy and procedure development

• To meet & attempt to exceed the branch's business targets with relation to X-Sell of various Bank, NBD & 3rd party products
• Verification and scrutiny of CASA and Term deposit form before sending to CPU
• Close monitoring the accounts in terms of KYC and AML guidelines

• To meet & exceed all service & process related parameters as laid down by the Bank
• To efficiently monitor the key responsibilities assigned to the Teller & Branch Service Partners desks
• To diligently ensure implementation of all internal & external guidelines/process notes for the Teller functions & branch operations
• To play the role of a guide & mentor to reporting personnel with respect to Sales / Service & Operational efficiencies
• To meet & attempt to exceed the branch's business targets with relation to X-Sell of various Bank, NBD & 3rd party products
• Verification and scrutiny of CASA and Term deposit form before sending to CPU
• Close monitoring the accounts in terms of KYC and AML guidelines

• Handling all aspects of Branch Operations; handling Savings Bank, Current Accounts, Term Deposits, Cash Management, Remittances, Bills collections & Clearings
• Responsible for deduction and deposit of TDS, filing of E-TDS, remittance of service tax & payments to vendors
• Responsible for tallying of various GL heads, concurrent audit report and elimination of the suspense entries
• Preparation of various monthly reports
• Examining, evaluating, reporting, and recommending improvements on the adequacy and effectiveness of management's risk management processes
• Building and maintaining healthy business relations with high net worth and corporate clients, ensuring high customer satisfaction matrices by achieving delivery & service quality
• Responsible for private banking entries, fund blocking/ unblocking, tds on cap gain, RTGS, NEFT

• Handling day to day cash operation, query management
• Generating various reports & back office operation
• Operation related to Foreign exchange-inward and outward remittance, deal booking
• KYC & COMPLIENCE
• Solving audit issues
• Locker operation & also handling AML activity
• Monitoring CASA & TERM DEPOSIT
• MARKETTING: Cross selling of Mutual Fund, ULIP, Gold coins to produce WMS income for the branch
• Tele calling-for selling of product as well as for keeping good relationship with the HNI clients