• Gender: Male
• Age: 52
• Designation: Principal Consultant-Retail Loans
• Highest Education Level: Post Graduate Diploma
• Notice Period: 30  Days
• Work Experience: 23.3 Year(s)

Education

Post Graduate Diploma in Business Management (PGDBM) Specialized in Marketing, IISWBM, Kolkata, in 2002 with 1st Class

P.G. Diploma in Social Welfare From Calcutta University in 1998.

B.Com. From Calcutta University in 1996.

Skill Sets

Experience in: Business Development, CRM, Team Management, New Initiatives, Sales Operations, Training & Development, Channel Management, Digital Marketing, Online Marketing

Have consistently remained on the cutting-edge, driven new business through key accounts and established channel relationships to enhance channel revenue.
Adept at analysing sales opportunities, strengths, implementing sales plans and setting a control mechanism so that organizational / sales objectives are properly and timely accomplished.
Strong organizer, motivator, team player and a decisive leader with successful track record in directing from original concept through implementation & to handle diverse market dynamics..
Proficient in exploring & developing new markets, accelerating growth and achieving desired sales goals; possesses good presentation, negotiation, relationship and leadership skills.

Work Experience

Principal Consultant-Retail Loans
Since Sep 2019
Job Profile:
Sub channel partner with all banks & NBFCs to source business of Business Loan, personal loan, mortgage loan, Doctors Loan & housing loan.
?Managing & supervising telesales & field staff to source all lending products.
Make sure to give the personalised service to the clients for long term relationship
Closely checking & reviewing the disbursed portfolio to cut the early delinquency .
Make new connectors like CA, Tax consultant & keep them active.
Implementing digital marketing campaigns of facebook Ad, google adwords & email marketing.
Follow-up of leads & convert leads into sales from contact form.

Manager – Sales - MSME
Dec 2017 to Oct 2018
Job Profile :
Tie-up with financial consultants -CA, tax consultants & DSAs.
Handling a team of 10 BDM to drive business through Direct channel from open market.
Training executives about process, products & pricing & sanctioning of advances
Driving sales force towards the target segment through joint calls & promotion campaigning.
Act as catalyst with credit team & operations team for smooth processing of sales
Organising credit training to the sales staffs & team manager
Driving organisation new initiative relates to new product launch ,services & processes. Proper monitoring & screening of cases to improve FTR & TAT.


TSM-Business Loan
Aug 2015 to Oct 2017
Company Name : Tata Capital Financial Services : Kolkata/Durgapur/ Burdwan /Asansol
Job Profile :
Business development through channel partners in the segment of self-employed professionals & non professionals
Handling online channels & providing end to end services
Arrange promotion campaigning in hospitals & industrial areas for sourcing self employed professionals & non-professionals
Conducting training in DSA shop for new initiatives, product launch of the company, compliance & process flow chart

Senior Manager-Unsecured Business Loan
Nov 2014 to July 2015
Company Name : RBL Bank Ltd
Job Profile :
Sourcing business loans through channel partners of pan india
Training team to understand product , process, pricing & business development through channel partners
Building relationship with the channel team & customers for consistent growth in business
Targeting average ticket size Rs 25 lacs & above.
Coordinating with credit & Operation team for faster approval

Senior Sales Manager Business Loan
Aug 2013 to Oct 2014
Company Name : Fullerton India Ltd-Mumbai
Job Profile :
Business development through corporate channel partners
Implementing & executing new product launch in business loan product segment
Managing credit & operations team for sanctioning advances
Involving in documents verification, assessing the case, sanctioning & disbursal
Conducting CRM training to channel partners & daily monitoring of file login process through CRM.
Negotiating with customers & managing pre-calling of clients

Manager –Business Loan
Jan 2007 to July 2013
Company Name : HDFC Bank Ltd
Job Profile :
Business development with Branch & DSA vertical
Activation of branch team & channel team
Joint visit with RM,PB, Branch manager & channel partners for closing of business calls
Training of CRM, Compliance related, lead generation tools, product, process & pricing to channel members
Driving sales team for promotion campaigning in Commercial & industrial areas for sourcing business
Cross selling insurance & acquisition of CASA & FD new to bank customers
Maintaining pricing, E2E TAT, PSL, sanctioning of advances to customers
Involved in document verification, credit, operations for better services to customers
Empanelment of new DSA & monitoring proper & timely payout of channel partners & communicate latest compliance norms
Driving new initiatives & monitoring proper implementation of the campaigns, offers, Loan eligibility tools

Major Roles & Attainments
Playing a role in team handling in Kotak Home Finance & associated with launch of Home loan product for self-employed non-professional.
Team was trained for approval(APF) with tie-up with builder & know-how of chain of agreement documents to get it approved from legal & technical department prior to disbursal.
Handling a team of 5 executive & as a team ranked top in 2003 OND & JFM quarter
Executives have been trained for tie-up with real estate brokers & financial consultants
Branches & Cluster handled of south mumbai & central suburbs branches in HDFC Bank.
Handling a team of 6 executives for 25 branches in Mumbai which is generating average INR 2.5 Cr. branch business in the year 2011Promoted as Manager in the year 2012 in HDFC Bank Ltd
Played key role in start-up business in branch vertical business loan
Major contributor in self-employed Doctors loan through branch & DSA vertical
3 executives of our team ranked top three incentive achievers PAN India.
Qualified for insurance contest Shanghai & Macau trip sponsored by HDFC ERGO
Corporate Channels handled of Mumbai which have presence in Pan India
Sales targets exceeds in the financial year 2006 in ICICI Prudential..with a total advisors of 20.
Ranked 3rd in achieving sales Channel Manager Pan India RBL Bank

Unit Manager
Dec 2004 to Jan 2007
Company Name : ICICI Prudential

Team Leader
Mar 2003 to Nov 2004
Company Name : Kotak Home Finance Ltd.

Marketing Executive
Dec 2000 to Jan 2003
Company Name : Hindustan Times Ltd.

Trainings and Major Projects Handled
Project on Marketing of Newspaper & Likely Acceptance Level from The Hindu.
Participating Employees Training & Development Programs and Submitting Reports while Suggesting Improvements from Britannia Ltd. & Wimco Ltd.
Participation of three months program 2016 on Digital Marketing includes Google Adwords, Facebook & email marketing from Manipal Global Education Services.

Future Goals

Growth