Banking Final

TALENT CORNER ACADEMY TRAINING
MANUAL
INDEX
Sr. TOPICS Page No.

No
1 Introduction 2
2 Banking System - Banks In India 3-9
3 Top 10 Banks in India 10-21
4 An industry note - Banking in India 22

Issues and Challenges for the Future
5 Sample Organization Structure In A 23 - 27

Leading Bank
6 Indian Banking Sector: Strengths and 28 - 29

Weaknesses
7 Sample Job Description 30 – 63
8 Sample Resumes 64 – 128
9 Future Landscape of Indian Banking 129 – 132
10 New Business Opportunities 133 – 134
11. Some Forth Coming Challenges Before 135

Indian Bankers
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MANUAL
INTRODUCTION
BANKING INDUSTRY
Banks in India can be categorized into non-scheduled banks and

scheduled banks. Scheduled banks constitute of commercial banks and
co-operative banks. There are about 67,000 branches of Scheduled
banks spread across India. During the first phase of financial reforms,
there was a nationalization of 14 major banks in 1969. This crucial step
led to a shift from Class banking to Mass banking. Since then the
growth of the banking industry in India has been a continuous process.
As far as the present scenario is concerned the banking industry is in

a transition phase. The Public Sector Banks (PSBs), which are the
foundation of the Indian Banking system account for more than 78 per
cent of total banking industry assets. Unfortunately they are burdened
with excessive Non Performing assets (NPA’s), massive manpower and
lack of modern technology.
On the other hand the Private Sector Banks in India are witnessing
immense progress. They are leaders in Internet banking, mobile
banking, phone banking, ATMs. On the other hand the Public Sector
Banks are still facing the problem of unhappy employees. There has
been a decrease of 20 percent in the employee strength of the private
sector in the wake of the Voluntary Retirement Schemes (VRS). As far
as foreign banks are concerned they are likely to succeed in India.
Indusland Bank was the first private bank to be set up in India. IDBI,
ING Vysya Bank, SBI Commercial and International Bank Ltd,
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Dhanalakshmi Bank Ltd, Karur Vysya Bank Ltd, Bank of Rajasthan Ltd
etc are some Private Sector Banks. Banks from the Public Sector
include Punjab National bank, Vijaya Bank, UCO Bank, Oriental Bank,
Allahabad Bank, Andhra Bank etc.
Banking System - Banks In India

 Public Sector Banks
Among the Public Sector Banks in India, United Bank of India is one of
the 14 major banks, which were nationalized on July 19, 1969. Its
predecessor, in the Public Sector Banks, the United Bank of India Ltd.,
was formed in 1950 with the amalgamation of four banks viz. Comilla
Banking Corporation Ltd. (1914), Bengal Central Bank Ltd. (1918),
Comilla Union Bank Ltd. (1922) and Hooghly Bank Ltd. (1932).
Oriental Bank of Commerce (OBC), a Government of India Undertaking

offers Domestic, NRI and Commercial banking services. OBC is
implementing a GRAMEEN PROJECT in Dehradun District (UP) and
Hanumangarh District (Rajasthan) disbursing small loans. This Public
Sector Bank India has implemented 14-point action plan for
strengthening of credit delivery to women and has designated 5
branches as specialized branches for women entrepreneurs.
The following are the list of Public Sector Banks in India

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 Allahabad Bank
 Andhra Bank
 Bank of Baroda
 Bank of India
 Bank of Maharashtra
 Canara Bank
 Central Bank of India
 Corporation Bank
 Dena Bank
 Indian Bank
 Indian Overseas Bank
 Oriental Bank of Commerce
 Punjab & Sindh Bank
 Punjab National Bank
 Syndicate Bank
 UCO Bank
 Union Bank of India
 United Bank of India
 Vijaya Bank
List of State Bank of India and its subsidiary, a Public Sector

Banks
 State Bank of India
o State Bank of Bikaner & Jaipur
o State Bank of Hyderabad
o State Bank of Indore
o State Bank of Mysore
o State Bank of Saurashtra
o State Bank of Travancore
 Private Sector Banks
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Private banking in India was practiced since the beginning of banking

system in India. The first private bank in India to be set up in Private
Sector Banks in India was IndusInd Bank. It is one of the fastest
growing Bank in terms of Private Sector Banks in India. IDBI ranks the
tenth largest development bank in the world as Private Banks in India
and has promoted world-class institutions in India.
The first Private Bank in India to receive an in principle approval from

the Reserve Bank of India was Housing Development Finance
Corporation Limited, to set up a bank in the private sector banks in
India as part of the RBI's liberalization of the Indian Banking Industry. It
was incorporated in August 1994 as HDFC Bank Limited with registered
office in Mumbai and commenced operations as Scheduled Commercial
Bank in January 1995.
ING Vysya, yet another Private Bank of India was incorporated in the
year 1930. Bangalore has a pride of place for having the first branch
inception in the year 1934. With successive years of patronage and
constantly setting new standards in banking, ING Vysya Bank has many
credits to its account.
List of Private Banks in India

 Bank of Punjab
 Bank of Rajasthan
 Catholic Syrian Bank
 Centurion Bank
 City Union Bank
 Dhanalakshmi Bank
 Development Credit Bank
 Federal Bank
 HDFC Bank
 ICICI Bank
 IDBI Bank
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 IndusInd Bank
 ING Vysya Bank
 Jammu & Kashmir Bank
 Karnataka Bank
 Karur Vysya Bank
 Laxmi Vilas Bank
 South Indian Bank
 United Western Bank
 UTI Bank
 Co-Operative Banks In India
The Co operative banks in India started functioning almost 100 years
ago. The Cooperative bank is an important constituent of the Indian
Financial System, judging by the role assigned to co operative, the
expectations the co operative is supposed to fulfill, their number, and
the number of offices the cooperative bank operate. Though the co
operative movement originated in the West, but the importance of such
banks have assumed in India is rarely paralleled anywhere else in the
world. The cooperative bank in India plays an important role even today
in rural financing. The businesses of cooperative bank in the urban areas
also have increased phenomenally in recent years due to the sharp
increase in the number of primary co-operative banks.
Co operative Banks in India are registered under the Co-operative

Societies Act. The cooperative bank is also regulated by the RBI. They
are governed by the Banking Regulations Act 1949 and Banking Laws
(Co-operative Societies) Act, 1965.
Cooperative banks in India finance rural areas under:

 Farming
 Cattle
 Milk
 Hatchery
 Personal finance
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Cooperative banks in India finance urban areas under:

 Self-employment
 Industries
 Small scale units
 Home finance
 Consumer finance
 Personal finance
Some facts about Cooperative banks in India
 Some cooperative banks in India are more forward than many of

the state and private sector banks.
 According to NAFCUB the total deposits & lending’s of

Cooperative Banks in India is much more than Old Private Sector
Banks & also the New Private Sector Banks.
 This exponential growth of Co operative Banks in India is
attributed mainly to their much better local reach, personal
interaction with customers, and their ability to catch the nerve of
the local clientele.
 Regional Rural Banks In India
Rural banking in India started since the establishment of banking sector

in India. Rural Banks in those days mainly focused upon the agro sector.
Regional rural banks in India penetrated every corner of the country and
extended a helping hand in the growth process of the country.
SBI has 30 Regional Rural Banks in India known as RRBs. The rural
banks of SBI are spread in 13 states extending from Kashmir to
Karnataka and Himachal Pradesh to North East. The total number of
SBIs Regional Rural Banks in India branches is 2349 (16%). Till date in
rural banking in India, there are 14,475 rural banks in the country of
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which 2126 (91%) are located in remote rural areas.
Apart from SBI, there are other few banks which functions for the
development of the rural areas in India. Few of them are as follows.
Haryana State Cooperative Apex Bank Limited
The Haryana State Cooperative Apex Bank Ltd. commonly called as

HARCOBANK plays a vital role in rural banking in the economy of
Haryana State and has been providing aids and financing farmers, rural
artisans, agricultural laborers, entrepreneurs, etc. in the state and
giving service to its depositors.
NABARD
National Bank for Agriculture and Rural Development (NABARD) is a

development bank in the sector of Regional Rural Banks in India. It
provides and regulates credit and gives service for the promotion and
development of rural sectors mainly agriculture, small scale industries,
cottage and village industries, handicrafts. It also finances rural crafts
and other allied rural economic activities to promote integrated rural
development. It helps in securing rural prosperity and its connected
matters.
Sindhanur Urban Souharda Co-operative Bank
Sindhanur Urban Souharda Co-operative Bank, popularly known as

SUCO BANK is the first of its kind in rural banks of India. The
impressive story of its inception is interesting and inspiring for all the
youth of this country.
United Bank of India
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United Bank of India (UBI) also plays an important role in regional rural
banks. It has expanded its branch network in a big way to actively
participate in the developmental of the rural and semi-urban areas in
conformity with the objectives of nationalization.
Syndicate Bank
Syndicate Bank was firmly rooted in rural India as rural banking and
have a clear vision of future India by understanding the grassroots
realities. Its progress has been abreast of the phase of progressive
banking in India especially in rural banks.
 Foreign Banks In India
Foreign Banks in India always brought an explanation about the prompt

services to customers. After the set up foreign banks in India, the
banking sector in India also become competitive and accurative.
New rules announced by the Reserve Bank of India for the foreign banks
in India in this budget have put up great hopes among foreign banks
which allows them to grow unfettered. Now foreign banks in India are
permitted to set up local subsidiaries. The policy conveys that foreign
banks in India may not acquire Indian ones (except for weak banks
identified by the RBI, on its terms) and their Indian subsidiaries will not
be able to open branches freely. Please see the list of foreign banks in
India till date.
List of Foreign Banks in India

 ABN-AMRO Bank
 Abu Dhabi Commercial Bank
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 Bank of Ceylon
 BNP Paribas Bank
 Citi Bank
 China Trust Commercial Bank
 Deutsche Bank
 HSBC
 JP Morgan Chase Bank
 Standard Chartered Bank
 Scotia Bank
 Taib Bank
By the year 2009, the list of foreign banks in India is going to become
more quantitative as number of foreign banks is still waiting with
baggage to start business in India.
 Upcoming Foreign Banks in India
By 2009 few more names is going to be added in the list of foreign banks
in India. This is as an aftermath of the sudden interest shown by Reserve
Bank of India paving roadmap for foreign banks in India greater
freedom in India. Among them is the world's best private bank by
EuroMoney magazine, Switzerland's UBS.
The following are the list of foreign banks going to set up

business in India
 Royal Bank of Scotland
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 Switzerland's UBS
 US-based GE Capital
 Credit Suisse Group
 Industrial and Commercial Bank of China
Merrill Lynch is having a joint venture in Indian investment banking

space -- DSP Merrill Lynch. Goldman Sachs holds stakes in Kotak
Mahindra arms.
GE Capital is also having a wide presence in consumer finance through

GE Capital India.
India's GDP is seen growing at a robust pace of around 7% over the next
few years, throwing up opportunities for the banking sector to profit
from.
The credit of banks has risen by over 25% in 2004-05 and the growth
momentum is expected to continue over the next four to five years.
Participation in the growth curve of the Indian economy in the next four
years will provide foreign banks a launch pad for greater business
expansion when they get more freedom after April 2009.
TOP 10 BANKS IN INDIA
1. State Bank of India

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In 1921, the Imperial Bank of India, the precursor to State Bank of

India, was formed as the result of amalgamation of the Bank of Bengal
and two other presidency banks, namely, Bank of Madras and Bank of
Bombay. In 1955, it was abolished by an Act of Parliament, which
handed over its assets and operations to a new entity called State Bank
of India. As the government wanted more control over the credit
delivery, it nationalized 14 largest commercial banks in India in 1969.
The SBI has a sense of social responsibility and caters to various
sections of the society
Its associates are:
 State Bank of Bikaner & Jaipur

 State Bank of Hyderabad
 State Bank of Indore
 State Bank of Mysore
 State Bank of Patiala
 State Bank of Saurashtra
 State Bank of Travancore
The products and services provided by the SBI are in various fields, such
as:
 Banking services
 NRI services
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 International banking
 Corporate banking
 Agricultural banking
 International banking
2. HDFC Bank Limited
HDFC Bank Limited was incorporated in August 1994. The bank has a
Pan India network of 583 branches in 263 cities and over 1471 ATMs. It
has technical expertise, maintains product quality and has set global
standards for itself. The bank has corporate governance and aims to
attain fairness for the stakeholders. Some of the products & services
offered by the bank are:
Accounts & Deposits - saving, current & fixed deposits, Private Banking,
Loans, Cards - Credit Cards, Debit Cards, Prepaid Cards, Investment &
Insurance, Forex Services, Payment Services, Internet Banking etc.
The origins of Citibank go back to the year 1812, when a group of New
York merchants came together to found it. It is an International bank
with its operations spreading across many countries. It provides various
strategic financial advisory services including acquisitions, mergers,
financial restructurings, loans, foreign exchange, cash management, etc.
The products and services offered by the bank include:
Loans, Citi business, Banking, Insurance services, Credit cards,

Investment, Online services, NRI services, Wealth management etc.
3. ICICI Bank
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ICICI Bank is spread across the length and breadth of the country. It has
614 branches and over 2200 ATMs. The bank offers a huge variety of
services in retail banking and investment banking, life and non-life
insurance, venture capital and asset management. To serve global
clients the bank looks forward to strengthen its operations
internationally. ICICI currently has subsidiaries in the UK, Russia,
Canada, Singapore, Dubai, etc.
ICICI Bank, with market capitalization of about Rs. 480.00 billion (US$
10.8 billion), ranked third amongst all the companies listed on the Indian
stock exchanges in June 2006. ICICI Bank's stock was listed on both BSE
and NSE.
The bank is offering various services in:
1) Personal banking 2) NRI banking 3) Corporate banking
4. Punjab National Bank
Punjab National Bank caters to 3.5 crore customers through a network

of over 4525 offices. The Economic Times has designated it as the Most
Trusted Bank in India and has ranked it as 21st amongst top 500
companies worldwide. Punjab National Bank offers banking services,
which include corporate and personal banking, industrial finance,
agricultural finance, financing of trade and international banking. The
bank serves all kinds of clients from SSIs to multinational companies.
The bank has been conscious of Corporate Social Responsibility (CSR)
and has been financing agricultural activities and SSIs. It is trying to
expand its operations overseas by setting up offices in Shanghai,
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London, and Kabul. It also offers Internet banking facilities and is

deploying the concept of 'Anytime Anywhere Banking'.
5. UTI Bank (AXIS BANK)

The year 1994 saw the UTI Bank commencing its operations when
private banks were allowed to establish in India. UTI, LIC, General
Insurance Corporation Ltd. and four other PSU companies jointly
administered the bank. At present, the bank has a market capitalization
of Rs. 281.46 crore’s with the public holding at 56.86%. The Registered
office of the bank is situated at Ahmedabad and Central Office is located
at Mumbai. It has a network of more than 510 branch offices and
Extension counters. It has 2200 ATMs, which is one of the largest
networks in the country providing 24 hour’s service. The bank adopts
the best industry practices internationally and has strong holding in
both retail and corporate banking.
It excels in providing value to the customers and serving them in a

distinctive manner. Latest technology, global standards and ethical
practices are the hallmark of the bank. The UTI believes in providing
ultimate customer satisfaction and optimum use of funds and
maximization of shareholder value.
6. HSBC Bank
Hong Kong and Shanghai Banking Corporation

The evolution of HSBC in India started in 1953. Since then, it has been
steadily growing and offering value products and financial solutions to
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its customers. The bank has kept pace with the changing times and has
been catering to both commercial and corporate banking.
HBSC keeps itself updated with the technology and also provides
internet banking services to the clients. The bank has a network of over
150 in-branch and off-branch ATMs and 24-hour Phone Banking.
The services offered by the bank are in various fields, such as:
 Personal Banking
 Non Resident Indian Banking
 Financial Planning Services
 Corporate Banking
 Business Banking
 Payments and Cash Management
 Trade (international and domestic) and Factoring Services
 Institutional Banking
 Treasury and Capital Markets
 Custody and Clearing
 Data processing
 Audit service
 Investment Banking
 Global resourcing
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7. Kotak Mahindra Bank

As one of the leading players in financial solutions, Kotak Mahindra has
a network across 300 cities in India employing around 9600 people. The
institution offers services in many forms such as stock broking, mutual
funds, life insurance, investment banking and caters to individuals and
corporates. The net worth of the group is Rs. 3100 crore and it serves
around 2.2 million customers. It also has offices in London, New York,
Dubai and Mauritius. The areas in which Kotak Mahindra provides
products & services are:
Banking & Savings
 Banking Accounts
 Demat
 Deposits
 NRI Services
 Convenience Banking
Investments & Insurance

 Life Insurance
 Mutual Funds
 Share Trading
 Structured Products
 Gold
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 Estate Planning
Loans & Borrowings

 Car Finance
 Home Loans
 Loans Against Property
 Personal Loans
Corporate & Institutional

 Corporate Finance
 Investment Banking
 Institutional Equities
 Treasury
8. Oriental Bank of Commerce

Oriental Bank of Commerce was established in Lahore on 19th
February 1943. Within a few years, the branches had to be shifted from
Lahore to Amritsar due to Partition. Customer satisfaction has been the
bank's prime motive and the spirit fostered in generations of employees.
The bank has been doing projects which aim at eliminating poverty,
promoting self-employment, encouraging women empowerment,
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amending the lives of rural people and nurturing cottage industries. Its
programs cover 15 villages: 10 in Punjab, 4 in Haryana and 1 in
Rajasthan.
The bank is providing services and products in various fields, such as:
 Loans
 Deposits
 Telebanking & ATMs
 Demat services
 Cash management services
 NRI services
 Bancassurance
 Internet banking
9. ABN AMRO BANK

ABN AMRO began a new future with the consortium of Fortis, RBS and
Santander in October 2007. The combination of consortium businesses
with ABN AMRO will result in an enhanced market presence,
strengthened products and growth prospects. This will deliver benefits
to customers, who will gain from the increased scale and efficiency of
the businesses.
PRODUCTS AND SERVICES

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Personal Banking
From opening a checking account online to buying the perfect home,

ABN AMRO is partner that can help clients take charge of their financial
future by planning in the present.
ABN AMRO offers a range of products that meet the everyday financial

needs of individuals. We serve millions of clients around the world, with
leading operations in the Netherlands.
The wide range of financial services we offer enables us to build and

expand long-term relationships with our clients.
We can help consumer clients in the following areas:
 Personal loans
 Credit cards
 Mortgages
 Savings
 Retirement planning
 Education planning
 Personal internet banking
 Insurance
 Online trading
Preferred Banking
ABN AMRO also offers a relationship-banking approach for mass-
affluent customers, professionals and business owners. Our approach is
designed to meet our clients' needs for individual recognition and fulfill
their desire for a greater range of products and services, beyond simple
banking transactions
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Private Banking
We offer highly personalized banking for our private clients, aiming to

structure and enhance their wealth with services ranging from
discretionary portfolio management to international estate planning and
trust.
Our Private Clients business ranks among the world's top ten (in AuA).
We are uniquely positioned to allow clients to tap into our global
expertise and resources. Our aim is to help clients structure, manage
and enhance their wealth, making sure they receive highly professional
and confidential financial solutions.
Private clients have an assigned relationship manager who will discuss

their unique financial circumstances with them and tailor products to
meet their objectives.
We can help private clients in the following areas:
 Banking
 Investment advisory
 Discretionary portfolio management
 Investment funds
 International estate planning
 Trust
Business & Commercial Clients
We offer a full range of commercial financial and lending services for

small to larger-sized businesses.
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Our services can help clients finance their business, manage their cash
flow, trade internationally, succeed in e-commerce and find new
opportunities.
With millions of customers around the globe and a major presence in a

range of markets, we have considerable scope for economies of scale
and sharing of best practices. We have a local presence and a domestic
focus on our various markets. At the same time, the advantages we gain
from the synergies between our businesses benefit our clients.
We have strong local relationships, often operating through local brand

names with a strong heritage; we have a global reach, with a presence
in about 60 countries; we have a broad and high-quality product suite;
and we can run our operations efficiently and effectively.
Our experienced professionals operate a team with specialists from all

areas of our organisation, tailoring solutions to meet our clients' needs.
Corporate and Institutional Clients
ABN AMRO is an international bank with local footprints. Our in-depth

knowledge of the markets in which we operate, combined with a
presence in most of the 60 countries ABN AMRO is active in, gives us
the scope and global expertise to meet the banking needs of our
corporate and institutional clients.
Our focus is on the mid-market. This is where we best utilize the

strategic advantage brought about by our particular combination of
clients, products and geographical markets. We target commercial
clients in our local markets, and globally we service selected
multinational corporations and financial institutions.
We offer service at the highest level. Our focus is not on short-term
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profit, but on building long-term relationships and standing by our

clients whenever they need us.
We can deliver a full range of high-quality advisory, financing and
operational services, tailored to best meet our clients' current needs and
long-term goals.
Our client-facing teams have a thorough understanding of our clients'

business objectives and challenges. The sectors we have developed
expert insights in include healthcare and chemicals, general
manufacturing, integrated energy, industrial, consumer and telecoms,
media and technology. We also deliver corporate and investment
banking services to some of the world's leading banks, insurance companies,
investment managers and public sector organizations.
By sharing our expertise and operational excellence across the bank, our
corporate and institutional clients are assured of best financial products
and service available.
10. BANK OF BARODA

It has been a long and eventful journey of almost a century across 25
countries. Starting in 1908 from a small building in Baroda to its new hi-
rise and hi-tech Baroda Corporate Centre in Mumbai is a saga of vision,
enterprise, financial prudence and corporate governance.
It is a story scripted in corporate wisdom and social pride. It is a story

crafted in private capital, princely patronage and state ownership. It is a
story of ordinary bankers and their extraordinary contribution in the
ascent of Bank of Baroda to the formidable heights of corporate glory. It
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is a story that needs to be shared with all those millions of people -

customers, stakeholders, employees & the public at large - who in ample
measure, have contributed to the making of an institution.
PRODUCTS & SERVICES
 Deposit Products
o Foreign Currency Linked Rupee Deposits (FCLR) Scheme
o Foreign Currency Denominated Non-resident Fixed Deposits

(FCNR-FD)
o Non Resident External (NRE) (RUPEE) Savings Account
o Non Resident External (NRE) (RUPEE) Current Account
o Non-Resident External (NRE) (RUPEE) Fixed Deposits
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o Non-Resident Ordinary Rupee Savings Account (NRO-SB)
o Non-Resident Ordinary (NRO) (RUPEE) Fixed Deposits
o Resident Foreign Currency A/c - for NRIs returning to India

for settling in India
o Resident Foreign Currency (Domestic) Account - for

Resident Indians
 Deposit Products at overseas centers
o Baroda Structured Deposit
o Loan Facilities to NRIs
o Loans/Overdrafts Against Security of Non-Resident (RUPEE) Fixed

Deposits
o Loans Against FCNR (B) Deposits in Rupees
o Loan Against FCNR (B) Deposits in Foreign Currency in India
o Loan Facilities in Foreign Currency to Residents
o Foreign Currency Loans In India (FCNR 'B' Loans)
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o Pre-Shipment/Post-Shipment Credit in Foreign Currency to

Exporters
o External Commercial Borrowing
o Inbound Money Transfer Services
o Money Transfer Service - Western Union
Miscellaneous
Investment Opportunities
Value Added Services
Information based Internet banking
An industry note - Banking in India Issues and

Challenges for the Future
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A healthy banking system is essential for any economy striving to

achieve good growth and yet remain stable in an increasingly global
business environment. The Indian banking system, with one of the
largest banking networks in the world, has witnessed a series of reforms
over the past few years like the deregulation of interest rates, dilution of
the government stake in public sector banks (PSBs), and the increased
participation of private sector banks. The growth of the retail financial
services sector has been a key development on the market front. Indian
banks (both public and private) have not only been keen to tap the
domestic market but also to compete in the global market place. New
foreign banks have been equally keen to gain a foothold in the Indian
market.
The momentum in credit growth has been maintained during 2005-06 due to two factors:
The corporate sector has stepped up its demand for credit to fund its expansion plans; there
has also been a growth in retail banking. However, even as the opportunities increase, there
are some issues and challenges that Indian banks will have to contend with if they are to
emerge successful in the medium to long term. This report discusses these issues and
challenges -- both intrinsic and external, such as
• Risk management and Basel II

• Consolidation
• Overseas expansion
• Technology
• Government reforms
• Non Performing Assets (NPAs)
• Skilled manpower
• Consumer protection
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SAMPLE ORGANIZATION STRUCTURE IN LEADING BANK
ORGANISATIONAL STRUCTURE
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• Third level
DMD&CDO
DMD&CDO
– Fourth level CVO
CVO
» Fifth level
DMD(IT)
DMD(IT)
BUSINESS
GROUPS MD&GE(CB) MD&GE(NB) DMD&GE(IB) DMD&GE(A&S)
DMD&GE(A&S)
MD&GE(CB) MD&GE(NB) DMD&GE(IB)
January, 2005 Org structure
_______________________________________28_______________________________
400077. India.
MANUAL
LHO STRUCTURE
Click to Chief
edit
Chief Master
General
General Manager title style
Manager
DGM
DGM DGM
Circle
Circle Credit &Financial
Credit & FinancialOfficer (Vigilance)
• Click to edit Master text styles
Officer
DGM
– Second level
Circle
DGM
Circle DevelopmentOfficer
Development Officer
DGM
(Law) @
• Third level
AGM
AGM
BPR – Fourth
Implementation level AGM
AGM
BPR Implementation (Public
» Fifth level (PublicRelations
Relations&&
Community
Community ServicesBanking)
Services Banking)
General General
GeneralManager
Manager- -22
GeneralManager
Manager- -11
@ Where DGM (Law) is posted.

AGM (Law) will report to DGM & CirDO
_______________________________________29_______________________________
400077. India.
MANUAL
Chief
ChiefGeneral
GeneralManager
Support Functions
Click to edit Master title style

Manager CCFO, CDO, BPR, Vigilance, PR & Community Services
General
GeneralManager
Manager--11 General
GeneralManager
Manager--22
• Modules
Click to editDirect
MasterBranches text styles
Modules
Direct Branches
NPA Management
– Second levelCM (GB)
NPA Management
+ Added Function
+ Added Function CM (GB)
Rehabilitation Cell
• Third levelCM (P & HR)
Rehabilitation Cell
CM (P & HR)
CM (IB)
CM (IB) – Fourth level
Head (DGM) Head (AGM)
» Fifth
SME level
Segment Head (AGM)
SME
Head (DGM) 1. Manufacturing Personal Banking
Personal Banking 2. Services
1. Retail Assets 3. Consultancy Head #
2. Mass Affluent Services Cell – Agri.
3. Customer Service Manufacturing and 1. RRB, Lead Bank and Regulatory Functions
4. Marketing Comm. Services Components 2. Technical Specialists
3. Business Planning
AGM (Agri.) 4. Institutional Marketing
Head # (AGM)
if contributes (Co-Operatives, Corporates, Govt. Bodies)
Government 20% or more
Business Agri. business # Position will support both GMs wherever required.
_______________________________________30_______________________________
400077. India.
MANUAL
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400077. India.
MANUAL
Click to Assistant
edit Master
AssistantGeneral Managertitle style
GeneralManager
(Region)
(Region)
• Click to edit Master text styles

Dy. Manager District Manager Manager
District Manager Manager Manager
– Second level
Chief
ChiefManager
Manager Performance Co-ordinator Manager NPA Mgt. Sales
Chief Manager Chief Manager Co-ordinator Personnel & NPA Mgt. Sales
Chief Manager CSC Chief Manager
Agri. CSC&&MassMass Monitoring General
GeneralBkg.
Bkg.
@
@
Personnel
HRD
& Cum
Cum
(SME)
(SME)
Agri. Affl. Cell HRD
Affl. Recovery
• Third level Recovery
– Fourth level
» Fifth level Sales
Sales
Support Dy. Manager - Premises /Fixed force
Dy. Dy. Manager - Premises /Fixed
Dy.Manager Dy.
Dy.Manager
Support force
Manager Assets Manager
Officers
Officers IOR Assets/ /Collation
Collationofofall
all (SME)
IOR/GAD
/GAD/House
/House Returns
Frauds
Frauds/ / (SME)
Keeping/ Returns(Both
(BothAdvances
Advancesand and
Keeping/IBIT/Sundry
IBIT/Sundry Deposits)
Complaints/
Complaints/
Dep./ Deposits)/Lead
/LeadBk./Other
Bk./Other
Dep./Suspense
Suspenseetc.
etc. Misc.
Insp.
Insp.&&Audit
AuditCell
Cell
Misc.Matters
Matters
@ - in the non-lead
districts of the Bank Branches
Mkg
Mkg&& Branches
Agl Spl.
Rec. Agl Spl.
Rec.Teams
Teams
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MANUAL
Indian Banking Sector: Strengths and Weaknesses

Let’s have a look at what our respondents have to say about present
state of Indian’s banking systems – some of its strengths that we are
proud of and some weaknesses that need to be worked upon.
Some of the major strengths of the Indian banking industry, which helps
mark its place on the global banking scene as highlighted by our survey
respondents were Regulatory Systems (84.21%), Economic Growth
Rate (63.15%), Technological Advancement (52.63%), Risk Assessment
Systems (47%) and Credit Quality (42.1%)
_______________________________________33_______________________________
400077. India.
MANUAL
Major Strength Areas *
o Regulatory Systems
(84.21%)
o Economic Growth Rate
(63.15%)
o Technological
Advancement
(52.63%)
o Risk Assessment
Systems (47%)
o Credit Quality (42.1%)
Areas to Be Geared Up For Future

Growth
o Diversification of markets
beyond big cities (84.2%)
o HR Systems (63.15%)
o Size of banks (52.63%)
o High Transaction Costs
(47.3%)
o Banking Infrastructure
(42%)
o Labor Inflexibilities (42
_______________________________________34_______________________________
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MANUAL
Strategies to Be Adopted For Creating World Class Banking System

o Consolidation
o Strict Corporate Governance Norms
o Regional Expansion (Both within India as well as Outside)
o Higher FDI limits
o FTA with countries where India has comparative advantage in
banking sector
Some of the areas that need to be geared up for future growth,

identified by the survey respondents were Diversification of markets
beyond big cities (84.2%), HR Systems (63.15%), Size of banks
(52.63%), High Transaction Costs (47.3%), Banking Infrastructure (42%)
and Labor Inflexibilities (42%). Availability and reach of quality products
is confined to just big cities. Thus it is essential now to expand the
gamut of banking services both within India as well as outside. Size of
the banks is also a critical element in the chase for avenues for growth
as it facilitates banks to attain new capabilities, technologies and
products at lower operating costs.
Banking in India has to travel a long way to achieve global
competitiveness, but surely it is on its way. But the key questions at this
hour how will India go about it, what structures need to be created and
when will it happen?
As evident from graph above, consolidation emerged to be the most

significant measure required to create world class banking system
_______________________________________35_______________________________
400077. India.
MANUAL
followed by Strict Corporate Governance Norms, Regional Expansion,

Higher FDI limits and FTA’s.
SAMPLE JOB DESCRIPTION
DESIGNATION Manager-Card Systems
JOB To plan and conduct UAT and support

DESCRIPTION implementation of Master Card and Visa
Mandates.
Extensive expertise in complete Cards
Transaction flow.
Detailed testing, certification of EDC
systems to ensure compliance and
operability with the host.
JOB Experience:
SPECIFICATIONS 4 - 7 Years
Education:
UG - Any Graduate - Any Specialization

PG - Any PG Course - Any Specialization;
Post Graduation Not Required
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MANUAL
Industry Type:
IT-Software/ Software Services
Functional Area:
Banking, Insurance
DESIGNATION Manager Operations - Finance
JOB o Team management &

DESCRIPTION Channelizing productivity through
daily monitoring of key metrics,
o Coordinate with Business
Users/Clients to understand the
requirements, Excellent
o Understanding of Reconciliation,
Accounting and Settlements
Process, daily reports, MIS.
JOB Experience:
SPECIFICATIONS 7 - 10 Years
Education:
PG - CA;ICWA;MBA/PGDM - Any
Specialization
MBA/CA/Inter/Final -with minimum of 7
to 8 yrs of exp in Banking
/Finance/Shared Services. Must have
excellent knowledge in accounting,
especially in settlements and
reconciliation.
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MANUAL
COMPENSATION Rupees 8,00,000 - 10,00,000 +

allowances
ANY OTHER Industry Type:

REMARKS BPO/ITES /CRM/Transcription
o Functional Area:
Banking, Insurance
DESIGNATION Business Planning and Analysis - Credit Cards
JOB This person would be assisting the BPA head to

DESCRIPTION manage Credit Card operations for the country
Management Reporting: Monitoring key vectors
and generating MIS for pan India Credit card
operations.
Budgeting: Analyzing projected budgets v/s
actuals, identifying variances for card
operations.
Preparing Profit and Loss for Credit card
operations monthly.
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MANUAL
JOB
SPECIFICATIONS This person would be assisting the BPA head to
manage Credit Card operations for the country
by:
Management Reporting : Monitoring key
vectors and generating MIS for pan India Credit
card operations.
Budgeting: Analyzing projected budgets v/s
actuals, identifying variances for card
operations.
Preparing Profit and Loss for Credit card
operations monthly
Education : Any Graduate
Experience : 4-10 years
COMPENSATION
Rs.5,00,000/- to 12,00,000/-

REMARKS Banking/Financial Services/Broking
Functional Area:
Banking, Insurance
DESIGNATION Corporate Card Service -Sr. Team Member
JOB To solve Corporate Card queries &

DESCRIPTION inquiries, through web process. Update
the changing trend in Card Member card
portfolio.
To also do some reconciliation of accounts

along with maintaining the card member
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400077. India.
MANUAL
base
JOB Graduate/Post Graduate with 2- 3 yrs of exp

SPECIFICATIONS in Customer Service, Credit Cards backend
etc. Excellent communication skills.
Experience:
2 - 4 Years
Education:
UG - Any Graduate - Any Specialization;
Graduation Not Required
PG - Any PG Course - Any Specialization;
Post Graduation Not Required
COMPENSATION Rupees 2,25,000 -

4,00,000
ANY OTHER Industry Type: Banking/Financial

REMARKS Services/Broking
Functional Area:
Banking, Insurance
DESIGNATION Tele collections Executive
JOB Calling domestic customers of the Bank for

DESCRIPTION collections of overdue amounts
JOB Fresh or experienced graduates with
SPECIFICATIONS good communication skills
Experience:
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400077. India.
MANUAL
0 - 5 Years
Education:
PG - Post Graduation Not Required

Functional Area:
Banking, Insurance
DESIGNATION Relationship Manager - Credit Cards
JOB Develop and Manage External Sales Channel,

DESCRIPTION DSA/ DST
Responsibility of an RM is to identify new
channels which would help grow the business
and nurture the existing channels by providing
right direction and focus in the business
JOB Prior experience in Credit Card Business and

SPECIFICATIONS Team handling.
- Should have managed DSA/ DST channel
- Should be Aggressive and possess good
relationship building skills
- Good analytical and business skills
Experience:
2 - 5 Years
Education:

PG - Any PG Course - Any Specialization;Post
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MANUAL
COMPENSATION Rupees 5,50,000 - 7,00,000

Incentives - Best in the industry

Functional Area:
Banking, Insurance
DESIGNATION Manager Card System
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400077. India.
MANUAL
To plan and conduct UAT and support

JOB DESCRIPTION implementation of Master Card and Visa
Mandates.
Requirement could also cover other card
scheme requirements that come up from
time to time.
Extensive expertise in complete Cards
Transaction flow.
Responsibility in seamless implementation of
new products, after successful thorough
testing the transaction flow and other
technical aspects of the Cards Transaction
Overall responsibility of Technical Support
Management of POS Terminals, Hardware,
Software or any operational issue.
Good communication skills, ability to work

under pressure and on multiple assignments
at a time. Excellent Human Relation Skills,
ability to work with various internal and
external teams/card schemes.
JOB
SPECIFICATIONS
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400077. India.
MANUAL
Overall responsibility of Technical

Support Management of POS Terminals,
Hardware, Software or any operational
issue.
Liaison with card schemes on projects,
problem resolution and seeking
information on various aspects on behalf
of cards business.
Detailed testing, certification of
Electronic Data Capture (EDC) systems to
ensure compliance and operability with
the host
Execute various projects & maximize
system availability of various processing
systems like MFE, simulators, and
terminal management systems of
Hypercom, Verifone and Axalto
Monitor various Visa and MasterCard
system performance parameters ability to
work under pressure and on multiple
assignments at a time.
Experience
5- 6 years
Education :
UG – B.com – Commerce / BSC
Electronics
PG – M.Sc. Electronics
DESIGNATION Merchant
Relationship
Manager
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400077. India.
MANUAL
JOB Acquiring new merchants, Portfolio growth,

DESCRIPTION Reducing Merchant attrition, Cross Sell
numbers. Managing productivity of the sales
team. Hiring of sales team. Lead of a team of
10-15 Sales Executives. Achieve the targets
across multiple metrics
JOB MBA full time with
SPECIFICATIONS min.3 yrs. exp. in
channel sales,
distribution handling
in Banking/financial
services, telecom,
retail products, FMCG
sector. Team handling
skills & good
communication &
convincing skills.
Experience:
3 - 4 Years
DESIGNATION Collection Executive
JOB We have an excellent job opening for fresh

DESCRIPTION graduates for the position of Collections
Executive with a leading bank.
_______________________________________45_______________________________
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MANUAL
JOB We are looking for GRADUATES with 0-6

SPECIFICATIONS months of exp.
Mail ur resume Outbound Voice Process.
Cabs available for Delhi/Faridabad/Noida.
Undergrads/result awaited need not apply.
Aggressive/good communication skills.
Dayshift.
Experience
0-1 year
COMPENSATION Rupees 1,00,000 - 1,25,000
DESIGNATION
Tele Caller / Tele Marketing Executives
JOB Marketing of Bank Products on phone from

DESCRIPTION the Data Base provided.
JOB Good communication skill with good English

SPECIFICATIONS dedicated and urges to achieve targets to
get maximum incentives.
Experience:
0.1 Year
COMPENSATION Rs. 60,000/- to 80,000/- and Very Attractive

incentives Apart
DESIGNATION Sales Manager - Credit

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MANUAL
Cards
JOB DESCRIPTION Responsible for driving business numbers from

his channels / marketing activities/credit and
ops coordination / channel servicing/handling
and hiring direct sales team for sourcing
JOB Preferably an MBA or

SPECIFICATIONS Graduate Regular with
min. 2 years channel
sales/DSA handling
experience in
banking/credit card
sales/telecom sales
Experience:
2-3 years
DESIGNATION Senior Process Executive
JOB DESCRIPTION The job role related to credit card process.

Candidate needs to have strong experience
in Credit Card Process.
Responsible for timely and accurate
delivery of the work.
JOB Good communication skill.

SPECIFICATIONS Willing to work in night shift.
Good experience in credit card operations.
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MANUAL
Good computer skill.

.BA / BCom/ BBA/ BSc only
Sales experience will not be encouraged
Experience:
1 - 3 Years in credit card process
DESIGNATION AVP-Card Issuance
JOB DESCRIPTION Handle Card Issuance operations related to

credit /loyalty cards. Manage Card Issuance
Operations. Card embossing, card
personalization and dispatch of the cards.
JOB Handle Card

SPECIFICATIONS Issuance operations
related to credit
/loyalty cards.
Manage Card
Issuance Operations.
Card embossing,
card personalization
and dispatch of the
cards.
Experience:
7 - 10 Years
DESIGNATION Relationship Manager / Senior

Relationship Manager
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400077. India.
MANUAL
JOB The professional should posses the knowledge of

DESCRIPTION
1. HNI (High Net worth Individuals) Segment
2. Mutual Funds
3. Corporate clients handling
JOB Experience: 1-4 years for RM / 4 + Years for Sr.

SPECIFICATION RM
Qualification: Any Graduate
DESIGNATION Manager - Sales & CRM (High Value Cusomers)

-Corporate & HNI Customer
JOB Responsible for CRM & Sales to HNI & Corporate

DESCRIPTION Customers
*Real time resolution of queries & complaints
*Personal visits to customers to resolve
complaints, Queries
*Revenue enhancement by addition of new
customers & up selling of VAS/ handsets
JOB Graduate with Excellent communication skills

SPECIFICATION (Verbal / Presentation) with clarity of thought
S 5+ yrs of experience in Banking / Telecom
Managing High Value Customers
Manage a team of Relationship Managers & Drive
business through them
Experience
_______________________________________49_______________________________
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MANUAL
5- 10 years
COMPENSATIO Rupees 6,00,000- 8,00,000

N
DESIGNATION Phone Banking Officer(INBOUND)--MALE

CANDIDATES ONLY
JOB Phone Banking for inbound contact centre

DESCRIPTION Work in Shifts
Handling calls of customers and giving relevant
feedback
Enhance Customer Satisfaction by solving
Customer querries
JOB Commerce Graduate-preferably

SPECIFICATION Willing to work in shifts
S Can join immediately
Experience required between 6 months to 2 years
COMPENSATIO Rupees 1,25,000 – 2,00,000
N
DESIGNATION Product Manager-Card Management
JOB Conceptualizing product features & articulating

DESCRIPTION the detailed technology requirements for
development. Managing product launch related
activities, defining ideal processes for the same.
Analyzing product MIS and presenting the product
performance.
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400077. India.
MANUAL
JOB Conceptualizing product

SPECIFICATION features & articulating the
S detailed technology
requirements for
development. Managing
product launch related
activities, defining ideal
processes for the same.
Analyzing product MIS and
presenting the product
performance.
Experience:
5 - 9 Years
DESIGNATION Relationship Manager -

Wealth Management
JOB Portfolio management and wealth management

DESCRIPTION for a top MNC bank. Client servicing for an
existing portfolio in terms of investments as well
as acquisition of a new one for growing the wallet
size of the bank.
JOB Experience of at least 1-2 years in relationship,

SPECIFICATION portfolio, investment management of wealth
S management products. Excellent communication
skills, pleasing personality and a sales attitude,
Total Experience: 2- 6 years

N
DESIGNATION Client Relationship Partner
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400077. India.
MANUAL
JOB Create a portfolio of Small & Medium Enterprise

DESCRIPTION clients (Corporate with turnover of Rs. 20-150 Cr.)
through sales of Current Accounts; liability
products & cross sell of third party products
(Mutual Fund, insurance etc.)
JOB Strong on sales and customer engagement.

SPECIFICATION In depth knowledge of regional market for small
and mid tier corporate/SME clients.
Technical and professional know-how.
Open to change and eagerness to grow
Experience:
2-5 years
N
DESIGNATION Relationship Manager

-Deputy Manager/Executive
JOB Relationship Managers for liability product.

DESCRIPTION He/She will be accountable for penetration,
deepening relationships and driving cross selling
at HNI
Banking, Corporate Salary, NRI, saving accounts,
etc. Achieve targets.
Knowledge of banking regulation
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400077. India.
MANUAL
Job Min. 1 yr mutual fund

Specification experience (selling saving
a/c, HNI, liabilities) with a
total experience of 1-4 years
in Banking/Financial Sector.
Good Communication Skills,
pleasing personality and
preferably in the age group
of 25-28 years.
N
DESIGNATION Assistant Branch Manager
- Liabilities
JOB Required skill(s): Liabilities, Sales, Good

DESCRIPTION communication skills.
At least 5 year(s) of working experience in the
related field is required for this position.
Applicants should be Indian citizens or hold
relevant residence status.
Preferably Senior Managers specializing in
Banking/Financial Services or equivalent.
JOB Relationship manager for

SPECFICATION New current accounts
S acquired by CANI sales
Enhancement of value
from the portfolio of new
customers.
Increase cross sell and
product holding in terms
of number and value.
Portfolio monitoring in
terms of balance build up
_______________________________________53_______________________________
400077. India.
MANUAL
and attrition of new

account that are part of
non-managed portfolio,
opened in your respective
branch during the
financial year.
Drive customers migration
to direct banking channels
Experience:
5-10 years
COMPENSATIO Rupees 3,00,000 –

N 6,00,000
DESIGNATION Relationship Manager -Branch Banking
JOB Experience- Graduate/Post Graduate

DESCRIPTION Experience- 2-5yrs
Location-Mumbai
To take care of a portfolio of Excel Customer as a

one point contact of the Bank
To go out and acquire new Customers
To aggressively attack the sales target and over
achieve it
To cross-sell insurance, mortgage, auto, personal /
professional loans.
Achieving sales targets
Satisfying the needs of the existing customer base
Taking complete ownership of the existing base
JOB Keeping oneself updated vis-a-vis the market

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400077. India.
MANUAL
SPECIFICATION Presenting a pleasant, professional and efficient

S point of contact for customers
Awareness of all the policies and procedures

issued in relation to money laundering prevention.
Ensure compliance with these policies and
procedures on an ongoing basis.
Any suspicious transaction must immediately be
reported to the supervising Officer
Experience 2- 6 years
DESIGNATION Head-Equity Research
JOB HE shall conduct quantitative research through

DESCRIPTION fundamental/technical analysis. must be familiar
with the economic / industrial scenario in the
country. Must have tracked sectors in the country
&the micro/macro economic indicators in
equity/banking
JOB Well versed with Capital
SPECIFICATION Markets, Industrial
S Analysis,
Fundamental research
reports on Indian equity
Stocks/merchant &
investment bkg Analytical,
Derivatives Strategist
Recommendation of NSE,
Technical analyst with 8-10
yrs exp. working knowledge
of DC
Experience:
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400077. India.
MANUAL
8-10 years
COMPENSATIO Rupees 12 – 20 Lacs
N
DESIGNATION Manager - Investment Banking
JOB Good understanding of investment banking,

DESCRIPTION project finance and corporate finance
Knowledge of SEBI guidelines especially related
to capital market transactions
Networking with Broking Community, FIIS,
Mutual Funds, Private Equity Funds, Venture
Capital Funds, research analysts
Networking with Banks and Financial Institutions
Identify investment banking opportunities, make
marketing calls, convert leads into mandates
JOB Strong Analytical skills with regard to Business

SPECIFICATION Planning, Financial Analysis, Deal Structures ,
S Agreements etc.
Ability to interact with international associates
and clients
Independently lead and assist the team
Good Knowledge of Excel Modeling and Valuation
Experience:3-5 years
DESIGNATION Premier Acquisition

Manager
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400077. India.
MANUAL
JOB Achieving Direct sales targets with required

DESCRIPTION productivity in liability and cross sell products.
Management of a team of 10-15 sales execs.
Territory management (cluster of branches).
Maintenance of regular MIS.
JOB Candidate should have handled financial products

SPECIFICATION either liabilities, which can be Current A/c and
S Savings A/c or Insurance/Mutual
Fund/Securities/Loan products.
Should have team handling skills.
At least 3 year(s) of working experience in the
related field is required for this position.
Preferably Managers specializing in
Banking/Financial Services or equivalent.
Experience
3-5 years
DESIGNATION Relationship Manager-

Corporate Banking
(AVP/VP)
JOB Business Development

DESCRIPTION Preparing & evaluating new
credit proposals &
renewals/reviews
Obtain market information
on project
Identify all potential opportunities and ensure
cross-sell of products including treasury, trade,
etc.
JOB MBA with 6-10 years of relevant experience in
SPECIFICATION leading MNC/ large Indian banks
S Excellent communication and relationship
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400077. India.
MANUAL
management skills
Good and relevant exposure of business domain
and products
DESIGNATION RM NRI services
JOB Handling existing NRI customers and acquiring

DESCRIPTION new customers
-Cross selling of products Insurance, Mutual
Funds, equity etc.
-Providing all types of Financial Solutions to NRI
clients
JOB
SPECIFICATION Experience:
S 0 - 5 Years
Education: Any Graduate or Post Graduate having
experience in handling NRI Clients
COMPENSATIO Rupees 5,00,000 - 10,00,000

N
DESIGNATION Sr. Product Manager

Corporate and Business
Cards
JOB Driving strategy and business initiatives for

DESCRIPTION Corporate and Business credit cards.
Responsible for numbers, spends, revenue,
profitability and overall customer offering.
Launch of product variants, customer promotions
and marketing communication.
Working with other business groups to enhance
credit card offerings
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MANUAL
JOB
SPECIFICATION Experience:
S 5 - 10 Years
In Corporate Banking and knowledge of Business
Cards.
DESIGNATION Branch Head
JOB Branch manager will be a CEO of the

DESCRIPTION unit(Branch).
Responsible for over all P & L of the Unit.
Drive all kind of Product either on Transaction
Banking, Investment and landing side as well.
Responsible to drive Retail Asset & wholesale
credit Product
JOB Preferably MBA with 6 to

SPECIFICATION 10 yrs experience in
S Banking. Presently working
as Branch Head with any of
the Private sector Bank.(BM
from broking house
requested not to apply)
Experience:
6 - 10 Years
Education:
UG - Any Graduate - Any
Specialization

PG - MBA/PGDM - Any
Specialization
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400077. India.
MANUAL
COMPENSATIO Rupees 8,00,000 -

N 12,00,000
DESIGNATION Sales Manager (Current Accounts)
JOB Selling Retail Liability Products like Current A/c,

DESCRIPTION Saving A/c, Fix Deposits, Cross Selling of Products
like Mutual Funds, Insurance etc. Handling a
Team of Executives and achieve your targets
through them, Acquire HNI customers
JOB MBA With Minimum 3 Years Exp. Retail banking

SPECIFICATION (CASA) with a Team Handling Profile (HNI
S Dealing)
Should have Excellent communication Skills,
Leadership Quality and Good Convincing Power.
Experience:
3 - 8 Years
Education:
PG - Any PG Course - Any

N
ANY OTHER Insurance Candidates (Advisor Recruiting Profile)
REMARKS Do Not Apply Strictly
DESIGNATION Branch Head - Retail

Branch Banking
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400077. India.
MANUAL
JOB Ensure achievement of overall Branch Targets by

DESCRIPTION generating business and cross sales. Key
Customer Relationship Management &
supervision of all HNW customer programs. Own
all branch-banking objectives & overall branch
supervision. Complaints Handling.
JOB Min.5 yrs. work exp.in

SPECIFICATION banking & min.1 yr as
S backup branch manager.
Good Relationship
Management Skills,Team
Management skills,
Customer oriented.
Aggressive & Ability to
work under pressure.
Should be from retail
banking only.
Experience:
5 - 8 Years
Education:
Specialization

PG - MBA/PGDM - Any Specialization
DESIGNATION Asst Sales Mgr (Investments)
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400077. India.
MANUAL
JOB 1) To Acquire HNI customers to sell Various

DESCRIPTION Wealth Products 2) To Acquire Current Account
and Saving Accounts 3) To Ensure Proper
Financial planning is done with HNI customers 4)
To Ensure Mthly Acquisition targets of HNI are
met 5) To provide good CS
JOB Ideal candidate should be an MBA with 1-2 Work

SPECIFICATION experience in Acquiring HNI Customers 2) Ideal
S candidate should have been In Retail Liabilities
and should have sound knowledge of all banking
Products 3) Ideal candidate should have good
local and HNI contact
Experience:
2 - 7 Years
Education:
PG - MBA/PGDM - Any Specialization

N
DESIGNATION Wealth Acquisition Manager
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400077. India.
MANUAL
JOB 1) To acquire a customer for Wealth Mgmt

DESCRIPTION Services 2) To Meet Mthly acquisition targets of
HNI 3) To Ensure Proper financial advise is given
to HNI Customers 4) To Ensure Mthly targets of
Mutual funds Insurance General Insurance is met
JOB Ideal candidate should be

SPECIFICATION an MBA with 1-2 work
S experience in Acquiring
HNI customers
2) Preference will be given

to candidates from Retail
Liabilities
3) Preference will be given
to candidates who have
good HNI contacts
irrespective of which sector
work
Experience:
2 - 5 Years
Education:
Specialization

PG - MBA/PGDM - Any
Specialization

N
DESIGNATION Branch Manager - Personal Loan

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JOB 1) Handling the entire Branch Sales & Operations

DESCRIPTION Team .
2) Handling a team of Relationship Managers to
drive sales of personal loans.
3) Reporting to Product head – PL Handling the
entire Branch Sales & Operations Team .
4) Handling a team of Relationship Managers to
drive sales of personal loans.
5) Reporting to Product head - PL
JOB 1) Should be having hands on experience in

SPECIFICATION selling of personal loans.
S 2) Having branch-handling experience is
preferable.
Experience
4 – 9 years
Education
UG – Any Graduate – Any Specialization;
N
DESIGNATION Vertical Head - Next Generation Customer

Experience
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JOB Monitor and drive critical measurement

DESCRIPTION parameters of the channel: Productivity
standards, Product Mix, Call quality standards
and Portfolio objectives (Activation and balance
build of liability accounts)
*Meet the cost to income efficiency budgets of the
channel by achieving individual product targets.
*Support and co-ordinate with all key stake
holders in products and data intelligence team.
Drive new offers, products and other new
initiative discussions with the central team to
enhance the customer experience with the bank.
*Ensure that processes rolled out and initiatives
rolled out for the channel are followed as per
requirement.
*Closely drive and support the NGCE regional
teams on the above key deliverables of the
channel.
*Closely work with Business intelligence team to
drive analytics based life cycle management
through the channel.
JOB Sales oriented profile

SPECIFICATION *Overall experience of 5 - 7 years in branch
S banking / telemarketing / Liability sales.
*Strong analytical ability, people management
skills / team player, process orientation
*Inclination or exposure to customer service
*MBA preferred
Experience:
7 - 12 Years
Education:
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PG - Any PG Course - Any Specialization

DESIGNATION Personal Banker
JOB Achievement of business targets (BSM Nos/PB

DESCRIPTION Portfolio/Cross-sell/NR/etc)
Customer Service (Maintain good BRM
Ratings/Mystery Shopping Ratings/Attrition
Control/
Branch Operations and Audit Compliance
Review all critical reports, monitor cash levels,
fraud control, etc.
Cost Management and staff productivity
Branch administration & ATM (onsite)
management
JOB Good Communication Skills with pleasant

SPECIFICATION personality
S High orientation towards sales as well as
customer service
Education
Total experience of 2-4 years

1 - 5 Years experience in Branch Banking
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DESIGNATION Operations Manager-Phone banking
JOB o Guiding Phone Banking Officers (PBOs) and

DESCRIPTION Team Leaders (TLs) on the Banks products
and processes, with an understanding of
customer’s requirements and application of
banking use of PBOs and TLs.
o Co-ordination with C.O. Departments and
Branches for various purposes.
o Conducting training and briefing sessions
for PBOs and TLs.
o Reviewing / monitoring / evaluating
recorded calls and providing feedback to
PBOs and TLs for improvement of call
quality.
o Counseling weak PBOs / TLs for
improvement of call quality. Other
administrative / Departmental work.
JOB Experience in General

SPECIFICATION Banking Operations as well
S as front-office customer
service related to Savings
Bank, Current Accounts,
Term Deposits, Retail
Advances, Demat Accounts,
Remittances, Debit Cards,
Internet Banking, Account
Operations, Transaction
Processing, etc. in
computerized environment
at Branch (es) of a Bank /
Banks.
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Experience:
3 - 8 Years
Education:
Specialization
DESIGNATION Cluster Manager-Banking
JOB Person will be looking after

DESCRIPTION Assets-PL, HL, and Mortagage loan
Wealth management-insurance, mutual funds,
general insurance
Liabilities-E-Broking, Saving Accounts
-Person would be looking after sales and after

sales process.
-Person has to lead a team.

JOB Person should have 6+ years of work experience
SPECIFICATION in Sales.
S
-Person from NBFC, financial institutions will be
preferred.
-Local person will be preferred only.
Experience:
6 - 7 Years
Education:
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DESIGNATION Sales Manager- Liability
JOB Handling A Team Of R.M &

DESCRIPTION Arm Through Them
Generating A Business.
Planning And
Implementation
New Branch Launches;
Planning Supports For
Execution Of Projects.
Conducting Meets With
Other Channel Heads.
Banking Industries
Preferred
JOB Claims/ Client Relationship

SPECIFICATION Management.
S Man Management.
Business Development.
Product Launches/
Promotions/ Marketing.
Channel Sales
Management/ Distribution.
Strong leadership,
communication and
interpersonal skills.
Experience:
3 - 6 Years
Education:
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Specialization
PG - MBA/PGDM - Any
Specialization
DESIGNATION Credit Risk Analyst
JOB Credit risk analysis of asset portfolio.

DESCRIPTION Dealing with SME & Mid market.
With a huge portfolio.
Mainly into risk management
JOB Prior experience into SME

SPECIFICATION Segment.
S Need to handle Asset
portfolio
Risk analysis is a must.
Experience:
3 - 8 Years
Education:
Any Graduate/ Any PG/ any Specialization.
DESIGNATION Regional Trust Coordinator
JOB Experience in banking liability products.

DESCRIPTION *Minimum 1year experience in trust.
JOB One should have a

SPECIFICATION minimum of 2 yrs of
S experience in banking
liability products.
Minimum 1year experience
in trust.
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Experience:
2 - 6 Years
Education:
Specialization
N
DESIGNATION Manager Service & Quality Assurance
JOB The Candidate Will Be Responsible For Product

DESCRIPTION Management, Process Management, Process Re-
Engineering, Analyzing The Root Cause,
Resolution Process, Quality Initiative, Measure
Service.
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JOB Required A Candidate With

SPECIFICATION Minimum 4 Years Of Entire
Experience With A
Multinational Bank With A
Exposure Of Quality
Assurance, Quality Initiative
And Process Management
And Product Quality
Assurance Prefebly Of
Credit Cards Or Loans.
Experience:
4 - 9 Years
Education:
Specialization
PG - Any PG Course
DESIGNATION Financial Planner
JOB Direct Selling of the Financial Products of the

DESCRIPTION bank, i.e., Mutual Funds, Life Insurance, General
Insurance, Personal loan etc Generate new
business via sales promotions, out-marketing calls
and presentations
Cross Sell of other products of the bank
JOB Any Graduate / MBA
SPECIFICATION 1-3 years of relevant experience in selling
S Should have a good experience in selling wealth
management products.
Sales Professional from the Direct Sales Channel
or Financial Services would be preferred.
Age 26 Max
Experience:
2 - 4 Years
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Education:
PG - Any PG Course
N
DESIGNATION Managing Director & CEO
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JOB o The incumbent will have the responsibility of

DESCRIPTION running the overall operation of the Bank. He
must be energetic, with strong business drive
and a thorough understanding of Risk
Management procedures. The functional
responsibilities are:
o Formulate and implement strategy in line with
organization as vision
o Lead and inspire the Banks Management as
per policy in different aspects of it’s operation
o Ensure smooth everyday operation of the
Executive Office
o Establish a prominent position in the emerging
market (Afghanistan)
o Comprehend and familiarize with the existing
rules, regulations and laws of Afghanistan
o Ensure that all compliance issues are properly
resolved
o Ensure compliance of Banking Laws of
Afghanistan and the charter & by-Laws of the
Bank
o Report to the Chairman and the Board of
Directors proactively
Ensure and oversee the activities of Business,
Operations and Support and maintain a proper
balance between them to efficiently run the
organization
Effective Conflict Management
Create an awareness of Cross Community Social
Values and culture among the employees
JOB Strong Leadership Quality
SPECIFICATION Excellent People Skill
S Knowledge on Cross Country Banking
Regulations
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Core Banking Risk Management Skill

Adaptability
Experience:
10 - 15 Years
Education:
PG - Any PG
DESIGNATION Investment Advisor
JOB Directly advising customers

DESCRIPTION on mutual funds, insurance,
direct equity and structured
products.
Good knowledge on equity
and debt markets.
Worked in wealth
management, private
banking
AMFI Certification is a
must.
JOB Required skill(s): AMFI, direct equity, structured

SPECIFICATION products.
S At least 2 year(s) of working experience in the
related field is required for this position
Experience:
2 - 5 Years
Education:
PG - Any PG
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DESIGNATION Officer-In-Charge (equivalent to Asst. Manager)
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JOB As a part of O & T, you may

DESCRIPTION be required to perform the
role of an Officer In charge
in any of the operations
units across the network
and product sets
Cash management, Trade Services & Finance,
Clearing & Funds Transfer Unit. Working in any of
these units will entail extensive interaction with
the Relationship groups, Product groups, Finance
& Compliance / Legal functions in India.
The roles involve taking care of day-to-day
processes in the unit, people management,
ensuring adherence to control & quality standards,
driving projects (process reengineering, system
rollouts, automation efforts etc), identifying
strategic cost management initiatives and
managing any operational/ service issues. These
roles are within the CMB Branch Operations
group, with openings across locations where we
have branch-banking presence.
JOB Candidate should be ready

SPECIFICATIO to relocate to any of the
NS location in India as per the
client’s specifications. He
/She should be perfectly
mobile.
Should have minimum 4 yrs
exp in Banking Operations.
We are looking for smart,

young, bright candidates,
with boundless energy and
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enthusiasm, who, with

general direction from the
manager, can manage the
activities of an operations
unit within established cost
and quality constraints.
1. Manage people and

processes to maximize
quality and service
while reducing costs.
2. Operational skills to
continuously improve
operating steps and
technique.
3. Continually analyze
and recommend
process
enhancements/
improvements to more
efficiently meet the
needs of business.
4. Process and
analytical skills with
eye for detail and use
systematic and
creative approaches to
problem solving
5. Team players with
strong relationship
building skills to
enable them to adapt
to the dynamic
business of Citigroup.
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6. Strong
Communication &
Interpersonal skills.
Experience:
4-8 years
Education

Specialization
DESIGNATION Cluster Head - Retail Branch Banking
JOB Handling the overall Operations and sales for 4-5

DESCRIPTION branches in retail banking.
Responsible for the profitability of the branches.
Will be responsible for the various Branch sales
targets, ensuring high quality service, customer
relationship management and the various branch
audit and compliance.
Managing the branches along with the Branch
managers
JOB Graduate with 8 - 15 yrs of

SPECIFICATIO Experience.
NS At least 8 to 10 years of
work experience in Retail
Banking.
Performance, branch
experience, and customer
orientation will be the key
determinants.
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Will be responsible for

Branch sales targets,
ensuring high quality
service, customer
relationship
management and various
branch audit and
compliance.
Experience:
10-15 years
Education
Specialization

Specialization
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SAMPLE RESUMES
BRANCH MANAGER
1. AMIT SHARMA

Career Objective
To work in dynamic and reputed organization which can use the
inherent talent of the incumbent to the maximum, Looking for a
challenging diverse and dynamic job.
Experience
1. Sept 2007 onwards
Working with Centurion Bank of Punjab Ludhiana Pakhowal road branch
as Branch Manager.
o Taking care of all the operations of Branch with team of fourteen
members
o Responsibility for the Branch sales targets in Saving
accounts,current accounts & cross sells.
o Taking care of all the Audit Parameters.
o Reporting/MIS to CO.
2. 15th December 2006 to Sept 2007
Working with ICICI Bank Ltd. Mandigobind garh Branch as Branch

Manager
Taking care of all the operations of Branch with team of Nine members.
o Responsibility for the Branch sales targets in Saving

accounts,current accounts & cross sells.
o Taking care of all the Audit Parameters
3. April 2006 to December 2006

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Working with ICICI Bank Ltd. Ludhiana Sundarnagar Branch as

Branch Operation Manager
o Taking care of all the operations of Branch with team of eight
members.
o Responsibility for the Branch sales targets in cross sells.
o Taking care of all the Audit Parameters.
4. July2004 to March 2006
Working with ICICI Bank Ltd. Shimla as Senior Officer in
operations. My job profile included
o Verification/Incharge of cash IInd shift.
o Verification of Front counter transactions.
o Verification of Outward Clearing.
o RBDM.
o Audit Champion of the Branch.
o Backup operation incharge.
o Five ‘S’ coordinator.
5. Jan.2003 – June.2004
Worked with M/S RELIANCE INFOCOMM,Sec-9, Chandigarh in

commercial deptt. My job profile included.

o Taking care of all banking operations & reconciliation thereof on
SAP.
o Bank reconciliation for RIL; RCL; RWSL accounts.
o MIS Reporting to management.
6. Sept 2000 – Dec. 2002

Worked with M/S BSM KNITFAB INDIA LTD. as a Senior Accountant.
My job profile included.
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o Preparation and finalization of Annual Accounts.

o Preparation of Project Reports
o Dealing with Banks & Financial Institutions.
o Maintenance of Books of Accounts.
o Compilation of statutory records.
7. August 1997-August 2000

Worked with M/S S K VERMA & ASSOCIATES, CHARTERED
ACCOUNTANTS as an Article Clerk. My Job Profile included.
o Finalizations of Accounts and Preparation of Balance Sheets of

Companies.
o Dealing with R.O.C., Income Tax Authorities.
o Bank Audits
o Auditing of Accounts of Public Limited Companies.
Educational Grounds
Graduation (B.Com) from Punjab University, 1997

Professional qualification
1. Chartered Accountant
2. MBA (Finance) from Symbiosis, Pune.
Computers Skills DOS, Windows (operating Systems) & MS Office
World Wide Web, Tally 5.4,4.5,6.3
AREA CREDIT MANAGER
2. JITENDRA KUMAR G
Key Skills :
• Credit Analysis, financial reporting, Process management as per

norms.
• Implementation of Product policies for the region to achieve the
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financial disciplines.
• Adoptive to new environment, Soft Spoken, Team leadership and
focus on quality service.
• High degree of numerical ability coupled with analytical and goal
oriented mindset.
• Excellent communication and interpersonal skills and team
management ability.
• Compliance of SOX Audit and Level-3 compliance as per the banking
norms.
Carrier Vision:
To be part of the challenging corporate environment that facilitates
learning and expertise in the field of core Finance, MIS and leadership
ability. Utilities my ability to an optimum level, promotes creativity,
provides exposure to new ideas and stimulates personal and professional
growth.
Educational Details:
Academic
1. Graduate in commerce from Revenshaw College in the year 1996
secured 62% (First division with dist).
Professional
2. Bachelor in law (L.L.B) from M.S.Law College in the year 1999 passed
with 2nd division.
3. Qualified as Chartered Accountant (ACA) in the year Nov’2004 from
premier Institute of Chartered Accountant of India.
Computer Skills:
1. Working experience in MS Office application (Word, Excel and

Power Point).
2. Application knowledge of Banking Software-APS, Finnone, CIBIL,
CTL & I-Score.
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Certification(s) / Training Programmed(s) attended:
Attended the General Management and communication skills training

conducted by ZEAL Communication training center under the
supervision of The Southern Regional Council of Institute of Chartered
Accountants Of India (SIRC), Chennai.
Summary of Skills and Experience:

Three years and Nine months CA post Qualification experience in the
areas of Core Banking, Financial analysis, MIS and Internal Auditing.
Highly equipped with leadership and team managerial skills.
Work Experience:
(I) currently work in ICICI Bank Ltd. as Area Credit Manager in personal
and business loan (Retail) from Aug’2006 to till date.
Industry Info: Banking

Functional Area: Retail Asset banking group( personal and business
loan-Retail)
Reporting to: Regional Credit Manager
Job Profile:
• Credit Approval:
1. Approving the credit eligibility of various financial and surrogate wise
profiles viz Corporate and self employed customers (business and
professional profile) according to the policy parameter.
2 Handling the business installment loan (BIL elite) for the entire AP
region
• Credit process compliance:

1. Implementation of Product Policies and imparting training to CPA .
2. Implementation of effective credit evaluation process from login to
disbursement in order to have better customer TAT as per credit
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discipline process.
3. Compliances of SOX /policy audit and Level-3 compliances as per the
norms
4.Self check on Post sanction loan, process accountability as per
deviation matrix.
• In house CPA management

1.Managing CPA/Team of the region, Employee hiring, retention, and
motivation
2.Conducting refresher CPA training at regular intervals and updating
the CPA team on the process/ policy change.
3. Implementing the process compliance as well measuring the Cpa’s
productivity as per the target set
• Market / support service

1. Handling the major DSA/DST for the region , conducting training
frequently about the policy, sourcing pattern
2. Analyzing of declined reasons, educating to channel frequently for
quality of sourcing
3. Conducting RM / SM refresher training to enrich the policy
knowledge
4 Handling the credit related escalation, giving the feedback within TAT
5.Sourcing and portfolio analysis for the zone and providing feedback to
sales team.
• MIS & others

1. Key in MIS for entire regions and exceptional MIS as required by the
management
2. Analyzing of MIS and focus on the exception area, to create
awareness among team.
3 Delinquent analysis, review and control on non starter with co-
ordination with collection and RCU team
( II ). Previous Company :FRESH ANFD HONEST CAFE LTD (Lavazza

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group)
Industry Info: FMCG

Designation: ASST MANAGER (FINANCE)
Reporting: CFO and Sr.manager
Duration: Nov 2005 To Jul 2006
Company profile: FRESH & HONEST CAFE' LTD, Swiss base Lavazza
group
Engaged in FMCG base industry (Group Company Barista café)
Job Profile
• Preparation of monthly MIS Reports and variance analysis,
Budgeting,Consolidation of financial statement all over the 21 Branches
in India
• Looking after the inventory management in ERP and follow up of
different branches
• Compliance of monthly inventory updating, reconciliation and
consolidation of inventory valuation -reporting the same to CFO monthly
and YTD
• Legal compliance such as (service tax, E-tds)
• Development of standard operating procedure for various business
segment
• Co-Coordinating with various branches MIS, interacting with
internal auditor with regards to Audit queries.
• Reviewing the financial accounts, general ledger maintainance,
Payable management (Capex and general)
• Evaluation of costing of retail coffee packs with help of Marketing
information.
(III). Other Company: Chartered Accountant and consultancy firm.
Designation: SR. Audit Executive
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Duration: Nov’04 To Oct 2005

Job Profile:
1. Engaged in Banks internal audit as per the banking SOP and report to
the management
2. Conducting the corporate statutory as well internal audit as per audit
program to streamline the internal control systems and
recommendations to the management to ensure that financial records
are maintained in conformity with accounting standard
3. Reconciliation of debtor and creditor balance. Verification of stock,
fixed asset and report the discrepancies to the management.
4. Monitoring timely filing of TDS for Corporate and TDS returns on
Salary, Rent, Contractor, and Professional & Commission required
under various Statutes, Advance tax, and Tax audit under income tax
Achievement and Extra Curricular Activities:

1. Active participation in sports activities since schooling.
2. Reading the financial magazine and business manual in different
website.
3. Good inter-personal relation and time management, sincere and
hard working.
4. Can understand the requirements and work according to the
requirements.
5. Avid listener of classical music and attending the social
programmed.
ASSET MANAGEMENT
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3. DEEPAK DHARMADEV MASTI
Education:
Graduation: (2004-2007)
Bachelor of Business Management.

Key Subjects: Marketing, Advertising and Finance.
S.B.R.R Mahajana First Grade College,
Jayalakshmipuram,
Mysore-570012
Aggregate Percentage: 58.28 %
Board: University of Mysore.
Pre-university:
Pre University College: (2002-2004)
Subjects: Physics, Chemistry, Mathematics and Biology.
S.B.R.R Mahajana PU College,
Jayalakshmipuram,
Mysore-570012
Aggregate Percentage: 47%
Board: Department of Pre-University Education, Government of
Karnataka.
Secondary School Examination (SSLC): (2001-2002)

St. Joseph's Central School,
Vijayanagar II Stage, Mysore-570017
Aggregate Percentage: 65%
Board: Central Board of Secondary Education.
Work Experience:
A) Permanent Jobs:
Process Executive
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Deutsche Bank Operations International Pvt. Ltd.

Department: Legal, Risk and Capital,
Process: New York Fixed Income
June 2007-June 2008
- Review and cleanse the failed fixed income trade accounts by referring
to the various resources at my disposal.
- To ensure error free accounts.
- To ensure that all trades are settled successfully.
Department: Legal, Risk and Capital

Process: Deutsche Asset Management KYC
June 2008-Till Date
.- Working in the Know Your Customer (KYC)/ Know your Intermediary

(KYI) department of the Asset Management process.
- The job profile consists of conducting a thorough background check on
Deutsche Bank Asset Management clients to assess their risk rating.
.- Conduct due diligence process with the help of different web based
database, involving high work standards to protect the firm from
potential future liabilities.
- Responding to requests, anticipating problems, adhering to all
regulatory policies, identifying and suggesting ways to improve the
process.
B) Part Time Jobs/ Projects/ Enterprises:
1. Desktop PC Assembling.
2003-2007
. Started as a hobby, later on done in conjunction with my education for
minimal remuneration.
. .Well versed in the hardware aspect of the Desktop PC.
. Can assemble and trouble shoot hardware and operating system
problems.
.
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Professional Achievements:
Was recognized and presented with a spot award in Deutsche Bank for
discovering a method of faster access to a database application.
Personal and Co-curricular Achievements:
1. Won the second place in the Business Quiz held during the national
level management fest, Threshold 2004 hosted by Center for
Management Studies, Bangalore.
2. Won the second place in the marketing event in the Pan Asia level
management fest-Aura 06, hosted by Amity Business School, Noida.
3. Led the marketing team for the following management fests.
a. Tejas'04 and Tejas'05, hosted by Adarsh College, Bangalore.
b. Carpediem'06, hosted by Mount Carmel College, Bangalore.
c. Agnofest'06 hosted by St.Agnes college, Mangalore.
d. Synergy'06 hosted by SDM college, Mangalore.
4. Was elected and served as the Secretary of the Rotaract Club of

Mysore Mid-Town Mahajana College for the year 2005-06.
5. Was elected and served as the President of the Rotaract Club of

Mysore Mid-Town Mahajana College (2006-07).
6. As a student coordinator, successfully oversaw the planning,

coordinating and the execution of all activities for Cognizance 2006 at
the national level.
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7. Was part of the football team that won the Mahajana Inter college
football cup for 2002-2003 and 2003-2004.
Computer Skills:
1. Microsoft Windows, Microsoft Office
2. Computer Hardware and PC Assembling.
3. Internet Skills.
4. Photoshop
5. Corel Draw.
6. Adobe Audition.
7. Ulead Video Studio.
PROCESS EXECUTIVE.
4. KOMAL .U. LULLA
Academic Achievements:
2007 - B.M.S. from MMK College of commerce & economics,

66.66%
2004 - H.S.C. from MMK College of commerce & economics,

71.83 %
2002- S.S.C. from Our lady of good counsel high school,

69.20 %
Work Experience:
Currently working in Deutsche Bank in the Investment Banking sector

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since June 2007
Designation : Process Executive.
Job responsibilities:
* Working with Fixed Income Securities Team ( Principal & Interest ).
* Resolving Break In Systems Reconciliations by the set procedure &

Escalating to NY Team, According to the Breaks (ADP Team, P&I Team,
Position Reconciliation Team).
* Interacting with DBSI to ensure that any exceptions in reports are

escalated on the same day.
* Passing ICI journal entries in case of breaks created due to rounding

off of rates & difference in days of coupon payments & principles.
* Researching and Resolving the Omni Cash and Inter company cash
breaks caused due to discrepancies in the systems.
Summer Internship Programme:-
1) May 2006 - June 2006:-

Worked as a trainee at N.K. Kalra and Associates, a Chartered
Accountants firm.
2) October 2006 (4 Weeks):-

Volunteered for marketing products for Concern India Foundation, a
NGO.
Technical Knowledge:
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* Information technology (Level I-Basics)

* Have worked on ADP, DTC, ICI, Bloomberg, OnDemand, Logger.
Projects Done:
* Marketing & promotional plan for SPRUCE.
Extra Curricular Activities:
* Participated in a Fine Arts workshop 'KALEIDOSCOPE'

* Participated In Leadership Training Camp Held By MMK:: BMS
* Participated In 'Share A Smile' Event Held At MMK::BMS
HOBBIES/INTERESTS:
Basketball, Swimming, Music, Reading, Cooking.
SENIOR MANAGER- INVESTMENT BANKING.
5. HEMANT BILAY
CAREER SYNOPSIS
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A competent and self driven leader, with over 4 years dedicated

expertise in trade finance, relationship management, business
development, and investment banking.
Presently associated with ICICI Bank Ltd, Bahrain as Senior Manager -

Investment Banking.
A focussed individual with recognised proficiency in Relationship

management, Sales and Operations. A keen planner with expertise in
trade finance and investment banking. An exceptional communicator
with demonstrated skills in relationship management. Masters degree in
Business administration form S.P. Jain Centre of Management,
Singapore/Dubai.Bachelors Degree in Commerce from University of
Bombay,(Sydenham College of Commerce and Economics) India in 1994.
Core competencies include:
Investment Banking - Advisory Services - Trade Finance - Team

Management
Operations - Relationship Management - Business Development
PROFESSIONAL EXPERIENCE
Jan '08 - Till Date ICICI Bank Ltd., Bahrain

Senior Manager- Investment Banking.
ICICI Bank Ltd is India's second largest bank. ICICI group has a
remarkable presence in the area of Banking & Financial Services,
through its group companies like ICICI Prudential AMC, ICICI
Securities, ICICI venture, ICICI Lombard & ICICI Prudential Life
Insurance. ICICI Bank is the largest mortgage lender in India, also has a
remarkable presence in Investment Banking, Private Banking, Project
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Financing & Asset Financing through its global subsidiaries like

Bahrain, Singapore & UK.
Roles and Responsibilities

o Built strong relationship with institutional entities in the Middle East,
Turkey.
o Showcased India linked Private Equity transactions to Institutional
entities.
o Worked closely with Indian investment banking team to place private
equity transactions.
o Liaison with Merchant Bankers for sourcing of regional transactions
for Indian corporates looking to expand in Middle East & North
Africa region through inorganic route.
o Built relationship with diverse investor segment viz - SWFs,
Corporates, Financial Institutions, Banks, Pvt. Equity Funds &
Investment Companies.
o Responsibility of fund mobilisation for Pvt. Equity funds from
institutional investors in the region.
o Closely worked with individuals of different nationalities and culture.
Actively sourced acquisition targets for Indian corporates in Middle East
and Turkey
Oct '06 - Nov '06 ING Vysya Bank Ltd., India

Manager- Trade Finance
ING Vysya Bank Ltd., is an entity formed with the coming together of
erstwhile, Vysya Bank Ltd, a premier bank in the Indian Private Sector
and a global financial powerhouse, ING of Dutch origin, during Oct
2002.It's been a long journey since then and the Bank has grown in size
and stature to encompass every area of present-day banking activity and
has carved a distinct identity of being India's Premier Private Sector
Bank.
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Roles and Responsibilities :
- Issuance of bank guarantees

-Managed the front desk (Customer Interface/Exchange rates & Forward
contracts)
-Responsible for interface between treasury and customers
-Strong knowledge of UCP 500/600, URC522
-Guidance and managing a team to ensure efficiency and accuracy
Jul '04 - Sep '06 ING Vysya Bank Ltd., India

Asst. Manager
-Responsible for SWIFT Operations

- Managed export department (handling of export documents/and export
credit)
- Managed Import Department (Handling of Import documents)
- Responsible for issuance and discounting of Inland Documentary
credits.
- Customer service Officer
- Daily operations/Liabilities desk
- Depository Services
- Supported Treasury back office with tallying and reconciliation
Jun '03 - Jun '04 ING Vysya Bank Ltd., India

Management Trainee
- Participated in one month extensive class room training on basics of

banking business.
- Attended advanced training course on Credit arranged by ING Vysya
Bank Ltd.
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- Received on the job training on banking operations.
Additional Information:
- Attended one week orientation workshop on areas of foreign exchange

business and regulatory requirements (FEMA 1999) conducted by
FEDAI.
- Successfully completed AMFI- Mutual Fund (Basic) module of NCFM.
- Attended Personality Development Programme conducted by Narsee
Monjee Institute of Management studies, Mumbai.
ACADEMIC CREDENTIALS
Global Masters in Business Administration (Finance) Major: Banking

Management
S. P. Jain Center of Management
- Special Group Project on 'Study of Price Transmission Dynamics

between Indian ADRs and their Underlying Securities' - Merrill Lynch
International Bank Limited, Singapore
-Dissertation: Study of Capital Adequacy Ratio with respect to BASEL
norms
. Study of Capital Adequacy computation models
. Study of the behavior of various banks to CAR norms
Bachelor of Management (B. M. S.) (Finance) Major: International

Finance
University of Mumbai (Sydenham College of Commerce and Economics)
- Capstone Project: Initial Public Offerings in Indian capital markets.
- Internships: Bombay Dyeing, ICICI Capital Services Ltd., Prudential
ICICI AMC
CORPORATE, INVESTMENT BANKING & MARKETS

6. ANKUR NIYOGI
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EDUCATION AND SCHOLASTIC ACHIEVMENTS
o CFA Level-I in June 2008 from CFA Institute (USA) - Cleared (1st
attempt)
o B.Tech. Electrical Engineering (Power) - 2003-2007 from Indian
Institute of Technology, Delhi 79.6 %
o Class XII (ISCE) - 2003 from De Nobili School, Dhanbad - 95.8%
o Class X (ICSE) - 2001 from De Nobili School, Dhanbad - 94.2%
o Graduated with departmental rank, 3 from IIT Delhi
o . Recipient of Merit Certificate Award in IIT Delhi for securing a
position amongst the top 7% of all first year under-graduate
students
WORK EXPERIENCE
HSBC Software Development India, Pune July, 2007 -

Department - Corporate, Investment Banking & Markets
o Customization of Calypso for HSBC- one of the leading software

for derivatives, cross asset trading, risk management, and
processing used by global banks, hedge funds and trading
institutions.
o Derivatives Trade Processing : Dealing with middle-office and
back-office operations and issues(transfers, confirmations and
payments, various product related issues) after a trade is
accomplished
o Customizing various workflow designs and engines according to
specific business needs and/or specific new products
o Product Design and Implementation - Working closely with
traders to implement new financial products. Deployed new
product HSBCStructuredNotes on Calypso
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o Coordinating closely with traders and support team to carry out

Impact Analysis - bugs in system, backlog of trades or specific
products to minimize business loss
o Preparing functional and technical reports for the above
o Prepared analyst report (under delivery head, HSBC Pune) on
the mobile-banking service among top ten banks in India and
areas where HSBC India was lagging.
o Result: Pull-based strategy (transactions) was suggested in
areas like fund transfer, bill payments and financial services
like share trading.
o Study of the BlackBerry dashboards for delivery team

o Result: Compared and suggested existing third-party solutions
for financial services to portray real-time quote and trade data
for international stock indices and to dynamically update
stochastic for the benefit of portfolio managers, brokers and
traders. Suggestions sent to architecture team.
Texas Instruments, Bangalore (Intern) May-July 2006

. Worked on tools for auto generation of assertions for SOC
module connectivity checks using formal techniques(Perl).
RELATIONSHIP MANAGER
7. AVISHEK BHAUMIK

PROFESSIONAL SNAPSHOT
o Over two and a half of experience in the areas of Wealth

Management, Business Development, Sales, Client Servicing
and Portfolio Management across diverse industry verticals
o Presently associated with Standard Chartered Bank as a
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o A proactive leader and planner with expertise in strategic

business planning, market plan execution, staffing and
targeted marketing with proven ability to achieve the sales
& profitability targets
o Providing best Wealth Management services along with
proper management of the existing portfolio of the clients
with a constant increase in the AUM and the Book Value
o Ability to support and sustain a positive work environment
that fosters team performance with strong communication
and relationship management skills
o Sound knowledge of banking after having first worked as a
Management Trainee in different departments before
stepping into the role of Relationship Manager
EDUCATIONAL CREDENTIALS
PGDBM FINANCE in 2004-2006

Loyola Institute of Business Administration, Loyola College Chennai
AMFI certification for dealing with Mutual Funds
IRDA certification for dealing with Insurance

B.Tech ( Electronics and Communications Engg ) in 2004
Netaji Subhash Engg College
I.S.C. in 2000
St. James' School School, Kolkata
I.C.S.E in 1997
St. Pauls Boarding and Day School, Kolkata
AREAS OF EXPOSURE
Wealth Management /Investment Banking

- Providing the best Investment Banking solutions to the 'High Net
Worth' clients with a wide product range
- Active Portfolio Management on the existing AUM and also to
increase it substantially
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- Acquiring new 'High Net Worth' clients and also generating business
from them
Business Development /Sales

.- Managing marketing and sales operations for achieving increased
growth & bottom-line profitability and initiating market development
efforts
- Conceptualising and implementing competent business strategies to
market a wide range of products and achieve pre-set sales and profit
targets
- Analysing latest marketing trends and tracking competitors' activities
and providing valuable inputs for fine tuning sales & marketing
strategies
- Understanding and analyzing customer's business and banking
requirement to propose customized solution primarily through Trade,
Payment and Cash Management ( CMS )
Client Relationship Management

. Identifying prospective clients, generating business from the existing
clientele, thereby achieving business targets.
. Building and maintaining healthy business relations with major
corporate and HNI clients of the tied up banks with various type of
general insurance products, ensuring maximum customer satisfaction
by achieving delivery & quality norms.
PROFESSIONAL EXPERIENCE
Since Jan'08 Standard Chartered Bank, Kolkata
As Relationship Manager
Key Responsibilities:
. Steering initiatives pertaining to providing best Investment advices
(MF, Ins, etc.)
. Actively managing the existing portfolio of the clients
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. Increasing the existing AUM and the Book Value

. Managing relationship on existing base & increasing it (CASA, TD,
etc)
. Rendering topmost service & maintaining high standards with audit
May'06 - Jan'08 Kotak Mahindra Bank Ltd,

Kolkata
As Relationship Manager
Key Responsibilities:
. Steering initiatives pertaining to providing best Investment advices
(MF, Ins, etc.)
. Actively managing the existing portfolio of the clients
. Increasing the existing AUM and the Book Value
. Rendering topmost service & maintaining high standards with audit
. Responsible for Cross Selling other business banking products to
achieve a greater wallet share of the customer
Significant Highlights:
. Successfully achieved over Rs.1crore of investments over a period of

4 months(Apr'08-July'08)
. Successfully championed SIP Contest in the branch and stood
amongst the best Pan India
. Demonstrated abilities in achieving Rs.11 Lacs of Insurance figures in
1 month to attain No. 1 position in India in a particular category
marketing of the same also completed project titled ' Mutual Funds
Returns During Bear
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DEPUTY MANAGER : BUSINESS BANKING
8. RAJA CHOUDHURY
Experience:
Seven years of conceptual selling experience with a track record of
business development. Handled task like sales forecasting, lead
generation, database collection, lead generation, coverage planning,
customer relation development and liasoning with other functional
departments internally on a regular and continuous basis. Effectively
managed group of individuals in order to deliver results.
Education:
PGDBM (Marketing), Wigan and Leigh College (U.K), in the year -- 1999.
Bachelor of science from Guwahati University ( Hons: Geog.), year -
1996.
Professional Training:
Successfully completed several training programs in HSBC, some of
which are detailed below:
In the year 2003:
- Compliance certification'-: Conducted by Jawa Akhtar ( EI - Eastern
India).
- Commercial Banking Selling skill'- : Conducted by Jawa Akhtar (EI).
In the year 2004:
- Sales orientation'-: Conducted by Jawa Akhtar (EI).
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In the year 2005:

- Presentation skills'- : Conducted by Anu Sarkar (INM - India Main).
- Cross selling '- : Conducted by Neena Nair (EI)
In the year 2006:
- Payment & Collection'-: Conducted by Saurav Dalmia (INM).
- 'Trade Services'- : Conducted by Anupam Wahi (INM).
Work experience:
Nov2006 to date : AXIS Bank Limited (formerly UTI Bank Ltd)
Deputy Manager : Business Banking
o Responsibility of the job is to sell Cash Management
Products(CMS) to the corporates, directly and through the branch
network in different location in the east..
o The job includes prospecting and then selling CMS, IPO collection,
Dividend payments, Interest Warrants, Institute Brochure selling,
etc. in both electronic and paper based form.
o Preparing Cost Benefit Analysis of the client and getting it
approved by Central office.
o Implementation of the process and monitoring the first batch ru
Aug 2003 to Oct 2006 : The Hongkong & Shanghai Banking

corporation
Assistant Manager : Commercial Banking
o Responsible for business development of the CMB ( Commercial

banking ) division in line with the company's yearly strategic
objective for Shakespeare sarani branch.
o Independently planed, organized and promoted events for
deepening of the relationship and generating more business by
cross selling of other products.
o Effectively managed cash and cash equivalent resources and
significantly contributed to the organisation's operational
profitability through cash management and Door delivery
service to SME(Small & Medium enterprise).
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o Received the prestigious ' Commercial Banking Sales Achievers

- CSSA ' award twice in the past three years. This is a process
by which the organization recognises sales achievers on a
national basis.
Feb 2002 - July 2003 : Hue Services
Assistant Manager : Business development
o A start up venture in the field of computer hardware,

software and networking services based in kolkata.
o Responsible for structuring, managing and monitoring the
business development team of six executives.
o Sucessfully implemented a coverage plan, penetrated
customers and converted them to key accounts with
significant growth to overall business volume.
o Achieved 22% growth in business value and 29% growth in
customer accounts versus past six month's achievement
Jan 2001 - Jan 2002 : 'The Times of India', Bennett & Colman
Group
Business relation executive : Classifieds - ' Property and
Vehicles'.
o Job profile was to convince customers to advertise/book

space in the two major Classified Categories (weekly one
pager) : 'Property and Vehicles'.
. These categories would include:
o Property : Developers, promoters, land brokers and
associated industries.
Vehicles : Automobile company( two & four wheelers),
Automobile showrooms ( two & four wheelers), Dealers,
Finance companies, Accessory showrooms.
o . Demand of the job was also to handle 'intermediaries' -
the advertising agencies (accredited and non accredited).
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July 1999 - Nov 2000 : TATA Infomedia Ltd.

Sales executive : TATA Press Yellow Pages
o Tata press yellow pages is an annual business information

directory, with 1500 business categories to advertise.
o Job profile was to get advertiser for those categories,
preparing the artwork and taking the approval before it goes
for final printing in the annual issue.
BRANCH RELATIONSHIP MANAGER-PRIVILEGE BANKING.
9. GUNJAN KUMAR PATHAK

Areas of Expertise:
Business Development/Marketing
Handling marketing & sales operations for achieving pre-set goals &
market development efforts.
Key Account Management:

Interfacing with key clients for mapping requirements, making
presentations and delivering need based product solutions.
Maintaining excellent relations with clients to generate avenues for
additional business.
Leadership Skills:
Capable of leading a team and inspire colleagues towards achieving a
common minimum consensus and extrinsic corporate goal.
Branch Relationship Manager-Kotak Mahindra Bank Jan 2006-

till date
Presently working as Branch Relationship Manager-Privilege
Banking.
Job Objectives include:
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Achieving business, revenue and profit targets in terms of product

mix
Participate in sales calls individually to acquire large prospective
customers
Deriving insights to competitor Sales activities and effectively
counter efforts
Relationship handling of acquired clients through sales channel for
generating required revenue
Understanding and analyzing customers’ business and banking
requirements to propo0se customized solution primarily through Trade,
Payment and Cash Management (CMS)
Responsible for Cross Selling other business banking products to

achieve a greater wallet share of the customer
Continuously upgrading knowledge on various business banking

services and guidelines
Guiding the OASIS team constituting of sales personnel for

achieving revenues
Icici Prudential Life Insurance Company Ltd-Oct 04-Dec 05
FINANCIAL SERVICES CONSULTANT
Responsible for generating insurance business through direct clients

Upselling various insurance products
Mentoring new joinee
Tracking Atlas (MIS) in order to increase conversion ratio on a month
on month basis
FRANKLIN TEMPLETON INVESTMENTS-SEP03-AUG04
Responsible for handling distributors

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Provide services and traing to various distributors

Generating business through distributors channel
Educational Qualifications
ICSE-Denobili School, Mugma, Dhanbad, 1996

ISC-Denobili School, Mugma, Dhanbad, 1998
BCOM-Satyawati College, Delhi University, 2002
PGDBM-Wigan& Leigh College-2003-2005
CLUSTER HEAD- CORPORATE SALES
10. SUDIP KUMAR GHOSH
AREAS OF EXPERTISE
• Man Management.
• Resource Planning.
• Channel Development.
• Enterprise Sourcing.
• Strategic Decision & Planning.
• Product Development.
WORK PORTFOLIO
Cluster Head- Corporate Sales

Corporate Payment Solutions- Transaction Banking –East (Sept 2007 till
date).
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Standard Chartered Bank, a leading International Bank.
Key Job Role:

Driving fresh acquisition of corporate relationships and building &
growing CASA portfolio for the Bank across East India in locations like
Kolkata, Bhubaneshwar, Guwahati, Patna & Siliguri through a team of
ASMs & BDMs. Also distributing & cross selling Investment & Insurance
products as well as ITA & BIL products through a team of Relationship
Managers & Portfolio Managers.
Core Products: Corporate Salary (Smart Pay), Current A/Cs, PRB
relationships.
Cross Sell Products: Insurance, MF, FD, TD, Credit Cards, Personal
Loans & Smart Credit, ITA, BIL.
Additional Job Role:
An active aspirant & participant to the One Bank project which is a
connect between cross functional business requirements for Wholesale
& SME across the entire product space offered by SCB ranging from
Trade Services, Forex, BIL & ITA.
Area Head (Product Sales)– SME- Products & Credit operation

Group - (April 7th 2005 –Aug 30th 2007).
ICICI Bank LTD., the leading private sector bank in the country. Joined
as Sales Manager-Products, graduated to head the acquisition business
for West Bengal, Bhubaneswar & Guwahati within a year.
Key Responsibilities-
Driving Volumes
Responsible for achieving the Entire Volume Sales for products offered
to the SEG segment through DSAs & DSTs across 3 states & a sales
team of Sales Managers and Field Sales staff . Driving third parties like
ICICI Prudential Life Insurance Co Ltd., ICICI Lombard General
Insurance Co Ltd., and all major AMCs associated as business partners
with the bank
Structuring High Value deals and meeting top customers for vertical and
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horizontal growth.
Driving other channels like IBG, CLB, BBG, ECG, MEG, for cross sell of
investment products and achieving fee targets for the Bank..
Product and Process Initiative
Track the performance / utilization of the products.
Participate in Seminars organized for clients on Asset and Trade and
portfolio management.
Familiarizing the TEAM on various new products and watching the
performance of the products constantly.
Obtain feed back from different linkages for product innovation and
structuring specific to each region.
Re-define process flows, which acts as an impediment for business
development.
Senior Sales Team Manager - (December2002- March 2005).

Bajaj Allianz Life Insurance Company Ltd., a JV between Bajaj Auto Ltd
and Allianz AG, a leading Multinational Insurance Company. Joined as a
Sales Team Manager, founder member for How rah Branch Team and
grew up to a Senior Sales Team Manager within 2years in the system.
Recruiting, Training, Developing and delivering premium targets for the
Co. through a team of insurance advisors. Later on, additional
responsibilities of mentoring Junior Sales Team Managers and
recruitment of corporate agents and delivering and benchmarking
business volumes from them was given.
Area Sales Manager- TNT Skypak International Express.

(September 1999 -November2002).
Managing Branch sales operations in Kolkata and subsequent branch
sales operations in Jamshedpur & Ranchi. Creating a wide and strong
network in East and procuring business partners, managing all
collection agents & corporate accounts was the major job role.
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Alignment of marketing and promotional activities to enhance market

share and reach ability, budgeting were among the key deliverables of
the function. Major corporate accounts were IDBI Bank, TCS, Wipro,
HLL, Pepsico, Max New York Life Ins Co to name a few.
Business Development Manager- Happy E Zone Ltd. (May 1998-
August1999).
To create and manage a wide franchise network of cyber cafes in
kolkata and improvise and implement brand promotional measures for
enhanced profitability of a single business unit. Also establishing
relationships with corporate for co branding as well as motivating sales
for software and software allied services rendered by the organization
Project Executive- Matrix Infosys Ltd. (February1997- April1998).
Have worked in the division providing software enabled project
solutions based on multimedia and graphic designing and web based on
site projects. Acquiring client based software service solutions and
planning to implement product initiatives was major responsibilities.
EDUCATIONAL HIGHLIGHTS
Passed M.B.A. In Sales & Marketing from I.C.F.A.I. (ICODE), in the year
2000 with Grade 1.
Passed B.Com (Hons.) from St. Xavier's College, Kolkata in the year
1997, with 2nd Division.
Passed Higher Secondary Examination from South Point High School,
Kolkata, in the year 1994, with 1st Division.
Passed Secondary Examination from South Point High School, Kolkata,
in the year 1992, with 1stDivision.
PROFESSIONAL TRAINING
Received comprehensive and exhaustive training in all aspects of
insurance with emphasis on underwriting guidelines and developing
relations with clients and development basics for agents, both individual
and corporate. Have successfully completed training workshops in'
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Fundamental Closing Techniques', ' Success Points', ' Expect

Excellence', and ‘Client Focus'.
Have attended 'Managerial Effectiveness 'and 'Interpersonal
effectiveness 'training programmes conducted by ICICI Bank LTD.
COMPUTER AWARENESS
Have undergone training in web based designing and .Net Framework,
Vb 6, VC++, SQL7, Oracle 8i, from El Net 3L Academy.
AREA SALES MANAGER- RETAIL LIABILITIES

11. PANKAJ KUMAR
CAREER HIGHLIGHTS
Present Employer : HDFC Bank Ltd -March 2006 onwards
Designation : Area Sales Manager- Retail Liabilities
o Responsible for Productwise Business Objectives - Budgeting and

planning for the new acquisition of the Sales Team across different
branches.
o Maintain the Product mix and Quality parameters for new
acquisition- Monitoring value build up through ATS of accounts
sourced to filter out the unprofitable accounts.
.Implementation of Regulatory guidelines across teams.
o Recruitment and attrition management of the Sales Team-
Initiating tie ups with various placement agencies to provide the
required FOS and Managers for the channel.
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o Manage channel efficiencies- Take necessary steps like reducing

the TAT for accounts sourced and reducing errors in new
acquisition.
o Execution of all corporate office initiatives in Region for the Sales
team.
o Co-ordinate with products and branch banking team for up
gradation requirements of products, streamlining the sales
processes to better utilize the FOS efforts.
o Track team productivity, use segmentation and rolling out of new
initiatives.
o Drive benchmark performance for the team.
o Resolution of significant Audit issues relating to multiple account
sourcing, KYC alerts and inappropriate sourcing from the sales
channel.
o Evaluate current process risks and implementing checks and
balances to mitigate risks
o Quality Initiatives-FTNR reduction (sigma initiative), telecalling
checks and improvements.
o Training and development of the sales team on product related
aspects
Previous Employer : ICICI Prudential Life Insurance Co. Ltd. (July

2003-March 2006)
Designation : Training Manager (May '05-Mar '06) (Sales and
Distribution)
Unit Manager (July '03-Apr '05) (Sales and Distribution)

Location : Guwahati (May '05-March '06)/ Ranchi (July '03-Apr '05)

. Business forecasting and planning for new recruits.
. Recruitment and retention of FOS.
. New business achievement as per the allotted territory
. Plan promotional schemes for the allotted area.
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. Cater to entire training requirements of FOS for North East region.

. Monitoring and taking adequate steps towards performance of the
whole team
. Marketing support at the local level.
. Coordination with the operations team for reduction in TAT.
Achievements
. The Sales Training inputs made Guwahati no.2 branch in Eastern

India for ICICI Pru on the various KPI's
. received three consecutive performance based salary hikes
. Promoted from Unit Manager at Ranchi to Training Manager for
entire North East
.Maximum NBAP (New Business Achievement Profit) at Ranchi
Branch as Unit Manager
Previous Employer : Software Solutions Integrated (2000-

2003)
Designation : Business Manager- Corporate Sales (Jharkhand)
Roles and responsibilities
. Generation of software development business from institutional

customers
. Bidding for institutional contracts for software requirements.
. Promotional and positioning activities for the Strategic Business
Unit
. Monitoring the collections and receivables
EDUCATIONAL QUALIFICATION
. Post Graduate Diploma in Management from Symbiosis Centre for

Management and HRD, Pune (Marketing+Systems). Scored a CGPA
of 3.1 out of 5.0 (Batch 2000)
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. Graduation in Political Science (Hons) from St. Xavier's College,

Ranchi University. Scored 66 percent
Current CTC : Gross Rs 8 lakhs per annum + Employee Stock

options
AREA HEAD- CARDS & ACCEPTANCE

12. MANISH GUPTA
Work Experience:
Organization -CITIBANK N.A., Global Consumer Group, Pune August
2006 onwards
Designation - Area Head- Cards & Acceptance, (May 2007 onwards)
Job Profile
. Heading the region to develop and maintain channel sales
Infrastructure for the sales of Citibank
Cards business by deciding the channel objectives, size & mean to
achieve the target at same time working towards low sourcing cost.
Constant focus on card merchant acceptance & activation.
Responsibilities
. KRA include card accounts, Cost lines, product mix and controlling
channel risk.
. Managing channel partners and Strategic partnerships to run high
productive business.
. Increase capacity in distribution and diversify reach across
segments
. Market Expansion through opening new avenues for sourcing, this
includes increasing the channel partners team size and productivity
per SE/TME.
. Delivered Cost efficiencies by aligning sourcing /segment mix with
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delinquency and portfolio trends.

. Constant effort in building channels and Sales processes that result
in sustainable, profitable businesses for the Bank and the partners.
. Had built Shopper's Stop in store sourcing channel and attained an
average quarterly growth of 28%
. Handled Merchant Services and achieved average quarterly growth
of 21% in Discount Earnings, 19% in Onus Spends, 23% in Issuing
spends, 42% in EMI Sales and 25% in earning per EDC.
. Had set and built various channels such as ING, SIB, ME, Suvidha
etc contributing to 30% of the monthly numbers at 45% reduced cost
. Constant liaise with collections for improvement of the portfolio and
helped in reducing the net credit losses by 4 percentage points
Professional Achievements in Citibank:
. Recognition from top brass for the lowest acquisition cost Since
January 2008 in western India.
. Re-engineered Segment and surrogate sourcing to derive an

approval rate gain of 8% YTD.
. Brought high growth in business through Strategic partners like
Shoppers Stop in store sourcing to its highest level from July 2007
onwards.
Designation -Relationship Manager- CitiGold Business (Aug 2006 -

April 2007)
Job Profile
. To Enhance the Net Relationship Value of the assigned CitiGold
Business customers through
Established compliant processes, by providing customer Oriented Forex
& Trade Services and Wealth management solutions. KRA Include
Footing growth of CA/SA, Forex and Trade Revenue and Net customer
Growth through Cross-selling Investments. This Job includes strong
focus on SME and ELC (Emerging local corporate) Segment.
Responsibilities
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. Review customer needs and asset allocation, proactively engage with

the Customer to validate the understanding of the needs.
. Entire responsibility for ensuring timely and accurate completion of all
local-trade and Imports related transactions.
. Advise customer to enrich the relationships by mobilizing additional
and sell Other fee based products/services to generate High revenue to
Bank.
. Handling team of ASMs to acquire New to Business Portfolio.
. Ensure Coverage of all relationships through high customer
engagements, risk profiling and financial planning.
. Ensure that KYC/AML and other compliance norms are strictly adhered
to.
. Handled almost all the products in Trade Finance, viz. Import Letters
of Credit, Bills under Letter of Credit, Import and Export Collection,
Discounting of bills, Export LC advising and confirmation, Guarantees
etc.
Organization -STANDARD CHARTERED BANK, Consumer Banking,

Mumbai
Designation -ASM (Card Product Sales)

Job Profile
. Responsible for developing market opportunities for the Credit Card
products. Solely Responsible
and accountable for the achievement of sales targets. Also to ensure that
the Business from the Sourcing of a Quality Portfolio.
Responsibilities
. Managing Large Team Size of Card Sales Force and solely accountable
for the achievement of
Targets in terms of both numbers and quality of portfolio major with
corporate deals.
. Managing high approval rate of 75%+ which is 50% in the best
practices across all banks for credit
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card issuance.
. Increased the sales volume from a monthly average of 800 accounts in
the first half of 2005 to an
average of 1400 accounts in the second half Onwards.
. Handling the entire account of 14 Large Corporate and developing new
large Accounts to get new
and constant bulk business month on month.
. Driving the entire sales channel to focus aggressively on revenue
through Balance transfer , Health
Shield and Life Insurance products.
. Responsible to build up Revenue through retail sales of paid products
with tight control and process,
ensured Zero fraud cases on new booking.
. Timely analysis of Data and Compilation of MIS Ensuring effectiveness
& Timeliness.
Duration - December 2003 to July 2005 Pune

August October 2005 to August 2006 Mumbai
Organization - AMERICAN EXPRESS BANK (TRS), PUNE May 2001 to
October 2003
Designation -Team Leader

Job Profile
. Managing Card Sales Team by ensuring profitability and revenue by
developing New Clients (HNI &
Corporate) for American Express personal & corporate cards.
Responsibilities
. Coordinate and Managing Team Members to Ensure Plan Nos. are met
while Maintaining sourcing
Quality and up holding Blue Box Values.
. Strong focus on acquisition of product mix viz. charge card and credit
card products
. To Clinch Corporate deals for Individual & Corporate Cards by
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Executing Group Sales.

. Strong focus on selling Paid cards and Balance transfer for high
revenue.
. Meeting & Exceeding Customers expectations by Resolving Queries
and Complaints
. Efficiently and in time while Ensuring Effective Networking with
Internal Departments.
Professional Achievements in American Express:

. Honored with the most coveted 'High Performer Award' as a Team
Leader for the Year 2002 for
extracting an Outstanding Performance from the Team.
. Acknowledged as one of the outstanding performers in the country for
the Year 2001 and was
honored with the most coveted 'Centurion Award' for the same.
Professional Qualification:
. Passed 2 years Post Graduate Diploma in Business Management from
Indira School of Management Studies, Pune (1999-2001)
Specialization: Marketing and Finance
Educational Qualification:
. Passed Bachelor's Degree in Commerce from Gwalior University in the
year 1999.
. Passed Senior Secondary School Examination in Science from C.B.S.E.
Board in the year 1996.
. Passed Secondary School Examination from M.P. Board (Bhopal) in
1994.
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ASSISTANT VICE PRESIDENT

13. SAURAV MITRA
Work experience
Jan 2008 - till date HDFC Bank
Assistant Vice President
Joined in the Private Banking Group as Team Leader / Senior Advisor.
Responsibilities
As Team Leader
- To supervise a team of advisors in Kolkata, Jharkhand and Orissa, who
manage assets for 75 HNI clients each.
- Allocate resources optimally with a view to generating maximum
revenue for the bank
- Network with the different channels like Imperia, ECG, NR, etc. to
generate new business opportunities.
As Senior Advisor
- To provide investment advisory to the HNI clientele regarding Direct
Stocks, Mutual Funds, Insurance,
- Structured Products, PE Funds, etc.
- Ensure that each client is profiled on the basis of risk appetite & time
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horizon so as to design a suitable

- asset allocation to meet his financial needs.
Feb 2005 - Jan 2008 Citibank N.A
Regional Sales Manager

Promoted to head the bank's acquisition business in the East in Aug '07
- Responsible for the business banking portfolio management for East
Responsibilities
- Drive a team of 13 Sales Managers / Tele Sales Managers towards
acquiring quality banking relationships
- Organize exclusive events to promote the CITI brand and assist in the
sourcing process
- Liaise with other channels to exploit cross-sell opportunities
- Appointment of DSA for the business banking products.
- Achieve the target for the lending products through the DST channels.
- Monitor the performance, give timely feedback and carry out fair
performance appraisal
- Joined as Wealth Manager to provide investment advisory to the
CITIGOLD customers on Mutual Funds, GOI |
- Bonds, Insurance, Structured Notes, etc.
- Responsibilities
- Manage a book size of INR 70 crore (includes CASA, Bond, Equity &
Liquid investment) across 200 groups of
- accounts.
- Carry out risk profiling exercise for individual clients to design suitable
asset allocation using CITIPRO
- Provide customized solution through appropriate product mix to cater
to short-, medium- and long-term
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- objectives to cater to individual client's requirement

- Analyze information, process data and interpret the same with
advanced software like CRISIL Tracker to
- monitor the performance of the suggested product mix and take
corrective action (if and when necessary)
- through reprofiling and rebalancing, to ensure timely delivery of the
investment plan.
- Responsible for conforming to RBI guidelines on KYC, AML, etc.
regarding base under management
- Cross-selling other banking products like deposits, BG, LC, Forex and
business lending
Jan 2004 - Feb 2005 ICICI Bank Ltd

Manager (Band 1)
-Worked as Branch Sales Manager to lead a team of Sales Executives for

enhancing customer base and achieving
- branch volume objectives for the entire portfolio of liability products.
- Responsibilities
- Drive the entire branch towards enhancing relationship value
- Motivate the sales team towards new customer acquisition
- Provide investment advise to the HNI clientele regarding Mutual
Funds, GOI Bonds, Insurance, etc.
- Networking with the Asset products team for generating additional
business for Home Loans, Personal Loans, Car Loans, Credit Cards, etc
Apr 1996 - Dec 2003 Nestle India Limited |
Sales Officer
- Joined as a Confectionary Sales Officer in 1996 and was involved in

Direct Sales, focusing upon Product and
- Market penetration, Merchandising, New product launches and
Channel sales development in Calcutta, Patna
- and Ranchi. (6 months)
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- Thereafter was posted in Jharkhand to monitor the Sales Promotion

operations with special attention on increasing user-base by organizing
activities with prospective customers and handling Sales Promotion
agencies. (6 months)
- Then took over charge of the infant food range in West Bengal
(Bankura, Purulia, Hooghly & Midnapur
- Districts) and subsequently in Calcutta.
(7 years)
- Responsibilities
- Achievement of volume & turnover objectives of the entire range of
IDP.
- Planning of invoices & ensuring timely availability of stocks.
- Ensuring product & market penetration.
- Selection and appointment of distributors & re-distributors
- Management of secondary sales force & Distributor network.
- Training the new joinees in the induction program for sales officers
Education
1994 - 1996 Institute of Modern Management Kolkata, W.B.
- P.G.D.B.M.
- Specialization in Marketing
- Marks obtained - 67 %
- 1990 -1993 A.J.C. Bose College Kolkata,

- W.B.
- B.Sc
- Honors in Physics
- 1988 -1990 National High School Kolkata,
- W.B.
- Higher Secondary
- Physics, Chemistry, Mathematics, Statistics.
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- Beginning - 1988 South Point High School Kolkata, W.B.

- Secondary
- Qualified the following modules on investment / insurance:-

Other Qualifications AMFI (Association of Mutual Funds in India) -
Mutual Fund Advisor's Module in May 2004.
- IRDA (Insurance Development Regulatory Authority) Advisor's Module
in June, 2005
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AREA SALES MANAGER (GRADE - ASSISTANT MANAGER II)
14. SATADEEP GHOSH
Working as a Sales Professional with 7 years of experience.
PRESENT EMPLOYMENT DETAILS: -
Name of the Employer: - ICICI BANK LTD.

Period of service :- Since March 2007 till date.
Designation: - Area Sales Manager (Grade - Assistant Manager II).
Company Profile: - The leading private sector bank in India.
JOB RESPONSIBILITIES:
. Handling the Asset portfolio (SME business loans - both secured &
unsecured) of the branch through the channel
. Also involved in cross selling of liability products namely current
accounts, savings accounts, fixed deposits and other investment
services.
. Monitor the performance of the channel consisting of 3 Rural
Marketing Associates, 8 Business Development Executives (BDEs), and
12 Sales Executives (FOS).
. Recruiting and training the channel and making them aware of the
bank's products and policies.
. Looking after the publicity and marketing function of my location.
Coordinating with advertisement agencies for the same
. Responsible for the branch publicity budget
. Solely responsible for the profitability of the branch for the said
portfolio
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. Coordinating with zonal office and head office on administrative

matters.
. Day to day interaction with customers and addressing their issues
. Functionally reporting to the Zonal Sales Head
PREVIOUS EMPLOYMENT DETAILS:-
Name of the Employer : - DISH TV LTD.
Period of service : - Since July 2005 till February 2007.
Designation : - Executive - Sales.
Company Profile : - Dish TV is a DTH (Direct to home) venture

from
the Zee Network promoted by the ESSEL Group.It was the first company
to acquire this license inIndia.
JOB RESPONSIBILITIES:-
. Promote & manage the sales / service of our products through dealer /
distributor network. Looking after 5 districts of West Bengal.
Contributing 25% of the branch revenue
. Monitor performances & activities of channel consisting of 8 team
members
. Set targets (Units / Activations) for the dealers/distributors as per the
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company's approach.
. Implement the company's trade policies through the dealer /
distributor / retailer network.
. Plan and implement direct marketing activities at the dealer points in
co-ordination with Regional Office.
. Launch new schemes with regard to packages and pricing.
. Keep track of the competitor's activities and give feedback to the
management.
. Responsible for collection of order from different Institutions and
corporates.
. Give product/quality feedback to the management.
. Travel extensively to be aware of the market pulse.
. Work as a team to achieve the Branch target and contribute to Branch
office profitability and revenue.
. Co-ordinate with the Branch service head on issues pertaining to
product service
. Functionally reported to the Regional Manager
Name of the Employer : - HAWKINS COOKERS LIMITED.
Period of service : - From October 2002 to June 2005
Designation : - Assistant Sales Officer
Job Responsibilities :- As an Assistant Sales Officer, responsible for

handling sales through assigned channel consisting of
Dealers/Distributors as well as corporate sales, handling distributor
sales team, took care of the business profitability, competition
information, new product training.
Name of the employer : - TATA INFOMEDIA LIMITED.

Period of Service : - From January 2001 to September 2002.
Designation : - Sr. Sales Executive
Job Responsibilities : - Hard core space selling for Tata Press
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Yellow Pages, kolkata edition and Tata Press Exporters Pages (both
online and printed)
EDUCATIONAL QUALIFICATION;-
. Graduation (Commerce) in the Year 1997 from Calcutta University.
PROFESSIONAL QUALIFICATION:-
. Pursuing PGDMM from IMT, Ghaziabad.
PERSONAL INFORMATION
. Date of Birth: 8th August, 1976.

. Marital Status: Married.
SALES MANAGER ( LIABILITIES), AREA HEAD (LIABILITIES)
15. ABHISHEK BANERJEE
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ACADEMIC QUALIFICATION
.
1. A.I.S.S.E - C.B.S.E - 1994 - 68%
2. A.I.S.S.C.E- C.B.S.E - 1996 - 60%
3.B.E(Computer Tech.) - Nagpur University - 1996-2000 - 66%
4.MBA (Marketing) - ICFAI BUSINESS SCHOOL - Hyderabad. 2002 –
2004
PROFESSIONAL COURSES
1. Web Development Application course from C.M.C Ltd, Kolkata with
Grade - 'A'.
2. Advanced JAVA course from C.M.C Ltd, Kolkata, with Grade - 'B'.
WORK EXPERIENCE
A. Period : August 2005 to till date

Organisation : ICICI Bank Ltd.
Designation : Sales Manager ( Liabilities), Area Head (Liabilities) &
Zonal Manager (Product, Process and Channels)
Responsibilities :
a) Strategic Planning & Sales Management Activities.
b) Direct Channel Management.
c) Quality Control.
d) Maximizing Productivity and Profitability.
e) Recruitment at various levels.
f) Developing customized products.
g) Streamlining Processes through innovative measures.
h) Cost Benefit Analysis.
B. Period : July 2004 to August 2005

Organisation : Bajaj Allianz Life Insurance Company Ltd.
Designation : Management Trainee.
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Branch Manager

Responsibilities : a) Sales Management Activities.
b) Operational Activity Management (Logging of forms to policy
Issuance).
c) Maintaining Cost Centre Profitability.
d) Recruitment of different Levels of manpower including Sales
Team Manager, Customer Support Executives, Financial Planning
Consultants, etc.
C. Period : January 2001 to December 2001
Organisation : The Center for Professional Education

Designation : Lecturer
Place : Kolkata
Responsibilities : Teaching Basic Electronics, Computer
Organization and 'c' language. Selling Programs and courses to students
ADDITIONAL INFORMATION
Languages Known : English, Hindi and Bengali.

Awards and Co-curricular activities:
1. Got third prize in Youth Congress Regional Competition organized by
THE MINISTRY OF PARLIAMENTARY AFFAIRS (Govt. Of India).
2. Represented M.I.E.T Gondia as the captain of the Badminton Team in
the competition organized by Nagpur University.
3. Represented Bajaj Allianz Life Insurance Co. Ltd at 'Skill City' an
event organized by Xavier's Institute of Management and got second
prize.
4. Awarded 'Outstanding Performer' for the year 2006 by ICICI Bank.
5. Awarded the 'Certificate of Appreciation' of being the Zonal Topper
and Regional topper consecutively for Nov'06 and Dec'06 in Cross
selling of Business cards.
6. Awarded the 'Letter of Excellence' for excellent performance in
acquisition of Current Account in H1.
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7. Awarded the 'BBG Shinning Start' award for excellent performance in

acquisition of Current Accounts.
8. Awarded the 'BBG Shinning Start' award for excellent performance in
cross selling of Business cards.
9. Winner of 'Thailand Contest' in Cross Selling of Life Insurance
products.
10. Winner of 'Orbit Changer' for the month of May-June'07 in ICICI
Bank for excellent performance in acquisition of Current Account.
11. Awarded the 'Rising Star' for excellence in customer service.
BUSINESS MANAGER
16. SUMANTA GHOSH HAJRA
Qualification:
MBA - Visva Bharati University in 2005

PG Diploma in Marketing and Sales - Bharatiya Vidya Bhavans in 1998
GNIIT - NIIT - 1998
BA- Calcutta University in 1996
Computer Proficiency / Software Skills:

Operating Systems : DOS, WINDOWS-95, 98.
Application Software : MS- Office,
Programing Languages : C, C++,VB.
Database Software : Access, Oracle.
Work Experience:
1) ICICI Bank Ltd. As Business Manager from Jul,'05 - Till Date

2) Hansh Overseas Pvt. Ltd., Kolkata. As Business Development
Manager From Aug,'03 - Jun,'05
3) WIIL Academy, Kolkata as Territory Executive from May,'01 -Aug,'03
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4) CMC Ltd., Kolkata. As Faculty from May,'99 - Jan,'01

5) NIIT Ltd., Durgapur as faculty from Nov,'98- May,'99
Experience Details:
Organization : ICICI Bank Ltd.
Responsibilities:
Currently heading the SEG -HVST (BTS) Group at Kolkata, Howrah,
Durgapur,Asansol and Western Orissa.
Previously heading the SEG - BBG/TBG Liabilities Group at

Bhubaneswar , Sambalpur,Balangir,Cuttack,Berhampur,Khurda and
Angul
- Acquisition and Retention of Elite Group customers of the Bank.
- Cross Sell, FD.
- Recruitment of the SEG - HVST (BTS) Team members for my
catchments.
- Provide product training and Sales Training to the Team members.
Achievements:
- Had opened and started relationship with one of the biggest foreign
Project Office Current Account of our bank.
- Previously Improved the monthly Current account number from
twenty (20) to over three hundred (300) accounts in SEG - BBG group.
- Previously Ranked among the top 15 Sales Managers accross India in
Cross Sell.
- Improved the float of the branch from 1.5 Cr. to 7 Cr.
Organization : Hansh Overseas Pvt. Ltd.
Responsibilities:
-Business growth of the organization
-Deal with different types of corporate clients for placing our students.
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- Promote our Centre and sell our courses.
Achievements:
Clients : ABP Ltd, Asthetic Pvt. Ltd, Zoom Digital, Snap Pvt. Ltd.
Best performer for the month of October'04 in Eastern Region
(Arena Multimedia) in placement.
Best Performer for the month of September'04 in Eastern Region
(Arena Multimedia) in revenue earnings.
Placed 500 (approx) multimedia professionals
Conducted Industrial Training, Live Projects, Seminars, Reflections
(Student Monthly magazine)
Organization: WIIL Academy
Responsibilities:
- Supervising 13 Authorized Study Centers spread in West Bengal,
Bihar, Orissa and Jharkhand.
- Centralized marketing.
- Develop marketing strategies for my franchisees.
-Provide marketing training to the marketing Executives and the
counselors.
Achievements:
-Minto Park Centre did the best business on consecutive three months
under my supervision.
- I was given charge of the maximum number of study centres.
-Build a strong client base for my centers.
Organization : CMC Ltd.
Responsibilities:
- Imparting training to career courses as well as corporate batches.
- Lab-in-charge. Team member of the in house software development
team.
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Achievements:
I was verbally given charge of newly launched centre of CMC Ltd. at
Howrah by the director.
Organization : NIIT Ltd.
Responsibilities:
-Imparting training to career courses as well as corporate Batches.
-Drome in-charge, Assistant examination in-charge.
Achievements:
- Had major contribution in NIIT DGP Centres achievement of becoming
the first satellite centre to become a metro centre.
SENIOR MANAGER RETAIL ASSET

17. SACHIN WARADE
Work Experience: 7 Years
Working with HDFC Bank Ltd as Senior Manager Retail Asset

Product Group.
Work Profile:
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Managing Sales, Operations, Legal and Technical for Home Loans and
Cross-Selling Channel for Mortgages e.g. LAP LAAR, Insurance,
Personal Loans, and Credit Cards.
Credit and Risk Analysis of Mortgage & Investment product Portfolio
with Clients.
Managing Product wise Revenues, Profit & Loss A/c, Phone Banking,
and Marketing, Lead Generation Tracking system for conversion of
prospects leads.
Appraising Loan proposals, Credit Investigations, Credit Policy Checks
with Risk Units.
Recruitment & Trainings for DSA & New Joinee - Home loan and Cross
Sell Product & Policy, Loan appraisal process, Insurance Products
Underwriting, KYC and AML guidelines.
Developing Key relations with Land developers, Corporate, NRI Banking
& HNI Clients.
Teaming up Legal & Technical team process for project approvals &
Legal clearances.
Corporate Activities - Arranging Helpdesk, Services camps, Promotional
E-mailers, Property Search etc.
Marketing Activities like Hosting of Property exhibitions, Product
visibility, Brand Building.
Managing Multiple Sales Channels e.g. Branches, Open Market,
Branches, Lead-Tracking System.
Phone Banking (Inbound/Outbound Call Center) and Corporate Salary
Relationship Managers.
Previous Work Profile
Worked as Branch Sales Manager ICICI Bank Ltd Pune. (Sep

2004 - July 2005)
Handling Direct Sales Team & Marketing Agencies for Home Loans.
Developing Quarterly Sales & Revenue Model with Incentive Schemes
for sales.
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Recruitment of executives & Teaming up sales team for achieving Sales

Targets.
Product & Policy training to Loan Counsellors/DME's and Policy
Updations.
Identifying new projects & developing Key relations with Builders.
Corporate sales & services camps for Worksites & Category company
employees.
Participations in Property exhibitions, Approvals of projects from ICICI.
Reliance Infocomm Ltd., Pune - Enterprise Unit (Basic Telephony

& Broadband)
(Oct 2002 - Aug 2004)
Identifying Network Nodes to be on Reliance Network for Basic
Telephony, ISP & Broadband services.
Network connectivity, implementation obtaining building permissions
for connectivity and Liasioning of Electronic infrastructure for services.
Developing Sales & Revenue Model in Assigned Territory for sales
target & ARPU.
Prelaunch prospecting in Residential, Commercial, SME and Corporate
clients.
Channel Management for WLL services from appointing to total
formation of Channel.
Teaming up and managing Dealers for mobile & WLL sales.
Corporate sales & services for Basic WLL phones (FWP/FWT) &
Reliance India Mobile.
JOG Software Solutions Ltd., Pune (April2001-Oct2002)
Business Development Executive
Territory identification for exploration Appointing Channel Partners for

'Score Plus'.
Selling of DBMS Database Management Software 'MEDICO' to
drugstores.
Developing Advertisements and Promotional packages for local
NEWSpapers.
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Institution sales of software and Event program participation in

assigned Territories.
Sales target & Revenue allocation for channel sales projections in dealer
regions.
SAVIRA TELECOM., Pune (June1998-April1999)
Prospecting of STD/PCO booth owners & selling various Telecom

products and spares.
Appointing Sub-dealers, Commission Agents, Free Lancers & Channel
Network.
Selling Coin boxes and STD monitors to prospects and small & medium
enterprises.
Handling Distribution, Logistics & Order processing of Material and
Taxation.
Academic Profile:
MBA University Dept. Of Mgmt. Sciences (PUMBA)
1999 - 2001 Marketing Management - 69% (Full Time)
2001 - 2002 Computer Management - 52% (Part Time - Executive
Program)
Bachelor of Engineering University of Amravati.

1994-1998 Mechanical - 65%
1994 HSC - 75%
1992 SSC - 83%
.SALES MANAGER,
18. NAMITA SINHA
Experience : Four and a half Years in Citigroup
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Organisation : Citibank N.A
Designation : Sales Manager, Citibusiness, Pune Region.

(Pune, Nashik and Aurangabad)
Job profile : In my job as the Sales Manager based in Pune, I head the
Citibusiness Unit for Pune,Nashik and Aurangabad ,
and report to the RSM for West based in Mumbai.
I manage the Inhouse Sales Team of Ten Citibank Relationship

Managers (RMs) of whom two are Senior RMs.
This Team is responsible for sourcing a wide range of Citibank

Asset and Liability products -the Citibusiness Suite of
products designed by Citibank keeping in mind the needs of SMEs. .
Basic Job Purpose: Managing the inhouse Sales Team and the
Citibank Franchisees (DSAs and DSTs) in these 3 cities to meet
the Sales Targets for Citibank Premium Cards , Citibusiness
Accounts (Branch Banking and Wealth management) and Cross Sell
of Loans.
In my Supervisory Role, the Long Term Goal is to establish RMs

who are specialists in selling various Bank Products to the High
Net Worth Self Employed Segment.(SME space) with the desired
trade off between Sales and Credit.
Job Responsibilities :
Establishing Sales Strategy and Distribution within Budget.

Ensuring Sales Targets are achieved by the Sales Team with
simultaneous Profitability of the Franchisee.
Ensuring Sourcing as per Credit and Compliance Norms.
Ensuring proper resolution of Customer Issues.
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Recruitment and Training (Inhouse as well as DSA /DST)

Ensuring cross sell through Sales Force
Liasing with Banking Operations and other Asset product Managers to
ensure achievement of Sales Targets across the entire range of
Citibusiness Products.
Deciding on the Incentives / Promotions of people at the Inhouse as well
the DST /DSA.
Achievements : Career Highlights:

Started career in 2002 in Eserve International Ltd.,a Citigroup
Company now rechristened Citigroup Global Services Ltd
with Direct Sales of Citibank Premium Credit Cards, meeting my
own individual Targets, rapidly promoted to bigger Team Handling
Roles, and subsequently made the Location Head (Pune ) in 2004.
In 2005, absorbed in Citibank as Sales Manager, heading the
Pune Citicards Unit.
Entire stint from the very beginning has been in Credit

Cards right uptil mid 2006 when the Inhouse Citicards Team
was transformed into the Citibusiness Team.
In later half of 2006 , given the responsibility for starting operations

in 2 more cities, Nashik and Aurangabad, currently managing these
3 locations for Citibusiness.
Credit Sign Off : One of the few Officers in the entire West who
have the authority for credit sign off for credit card applications .
Approval Rates : Recognised for consistently achieving high

approval rate for Pune (no.of total cards booked as a % of the no.
of total applications sourced) .Pune remains on top of the list on
approval rates across cities.
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Responsible for setting up Entire Sales Unit in two new markets

in new locations - Nashik and Aurangabad.
Honors:
- Recognised as one of the Top performers in the Mid Year
Review and awarded with a 3 day abroad trip to Phuket,
( Thailand ) in September 2006.
Pune Citibusiness Team has been recognized for achieving

highest average ICVs ( initial Cheque Value) across all cities.
for all the Branch banking Accounts sourced by the Team in 2006.
Pune Citibusiness Team has been the only unit to make a mark
on sales of Secured and Unsecured Business Loans, a
relatively new product of Citibank.
- Awarded the Best Sales Manager Initiative , in June 2005 during

Mid Year review and Announcement of Citicards Champion
League Awards in that year.
March 2005 Rankings saw Pune Team ranked the Best Overall Team
across cities, and winning the 'Top City Honor'
- Best Area Manager across all locations for Outstanding Overall

Performance in February 2004.
Eserve Employee of the Month in June 2003 for exemplary performance.
Champion of Champions Award in October 2002, for the best

performance by a TSM in a particular month across locations..
Ranked among the Top 10 Officers in India with best Credit
Performance for 2003.
Education
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M.B.A (P.G.D.B.M) with specialisation in Marketing from I.M.D.R

(Institute for Management Development and Research), Pune (2000-
2002)
Graduation in Life Sciences (B.Sc) with 70% aggregate marks, entire

Schooling from C.B.S.E Board (12th with 75% and 10th with 87%
aggregate marks ).
Active Involvement in NSS activities , writing for School /College

magazines, Organising and compering in College Functions.
AREA SALES MANAGER - GLOBAL PAYMENTS
19. AJAY SHARAN PRASAD
Education Background
Time Period Designation
1998 - 2000 MBA / Post Graduate Diploma in Management (PGDM)

from Institute of Management Development & Research (IMDR) Pune.
Major in Marketing
The admission process in IMDR is through the prestigious Common

Admission Test (CAT). Secured First class in MBA and was also
adjudged 'the best student for the overall performance in academics,
sports & extracurricular activities'.
1992 - 1996 Bachelor of Science (B.Sc) with Honors in Physics from

Magadh University. Secured First class in the overall course.
1988 - 1990 Intermediate (H.S.C) in Science from St. Columba's

College, Hazaribagh. This is among the best colleges in the eastern
India. Passed with securing First class.
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1988 Matriculations (S.S.C) from BSSE Board with First class.
Employment History
Over 7 Years of Experience in India in Banking, Freight, Cement and IT

industry companies at different capacities
(A) Working with HSBC - Global Payments as the Area Sales Manager
Duration : Sep 05 - Till date
- Joined HSBC in Sep'05 and then moved to the joint venture in Oct' 06.
Reporting to the Vice President and responsible for managing the P & L
for the designated areas.
Global Payments (GPAP) is among the largest payment processors in the

world. They have recently tied up with HSBC Bank for their merchant
acquiring division for the Asia Pacific region. The joint venture has 56 %
stake of GPAP and 44 % of HSBC bank.
Responsibilities :
Responsible for P & L Targets for the region
Formulating sales strategy and timely execution.
Increasing Revenue and managing the cost involved.
Development of New Channels of Revenue Generation
Cross Selling of other banking products.
Team Management through leadership by allowing participation from
team members
(B) Worked with ICICI Bank as the Area Sales Manager (Manager - I
grade) in the Merchant Acquiring
(Payment Solutions) Division.
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Duration - Feb 04 - Sep 05
Handling a turnover of US $ 150 Mn for entire Mumbai region with the

help of three Sales Managers and more than 100 frontline sales staff.
Major responsibilities were :
Formulating sales strategy and timely execution.

Developing new channels to increase revenue
Recruiting, training and motivating the team members.
Managing sales budget and devising internal incentive scheme.
Running marketing promotional schemes.
Increasing sales revenue and quality of portfolio.
(C) Worked with TNT Worldwide in the Corporate sales division for their
Freight and International
Courier division. Became the Regional Champion for western region in
TNT.
(D) Worked with Mehta Group of Companies as the Marketing officer. I

was reporting to the Sr. Vice
President (Sales) and was responsible for brand development activities.
(E) Worked with Softcom Pvt Ltd as the Executive - Business

Development and handled Retail &
Corporate sales of web solution products.
SALES MANAGER - CREDIT CARDS, PERSONAL LOAN &

INSURANCE BUSINESS
20. ANGAJ BHANDARI
Experience Summary (Total work experience of 7 Years)

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1. Organisation - ABN AMRO Bank (September 2005 onwards)

Designation - Sales Manager - Credit Cards, Personal Loan & Insurance
Business (Jan2006 onwards)
Efficiently managing complete operation of an independent business
unit as a profit center for following products and
activities (Monthly budget portfolio - 8lacs and above)
A) Credit Cards :
Driving 8 independent units for Pune Direct Channel with a team size of
150 Sales and Tele-marketing executives, 10 Team leaders and 8
Business Managers
Achieve ambitious targets on various Credit card products and Channel
expansion.
Conduct Training programs, Execute cross promotional tie-ups with
other Brands, Roll out marketing and promotional activities for teams
and decide payout for all channels
B) Insurance & Personal Loan :
Driving credit card channel for cross selling life insurance and PL
products.
C) Managing an in-house CPA team for processing credit card
applications, cross selling mediclaim policies and Balance transfer
products.
1. 2 Designation - Program Manager (Sept2005 - Dec 2005)

Responsible for Product roll out, Pricing, Promotion, Strategy, Cross
promotional tie-ups, Branding etc. for ABN AMRO Bank Pune(Monthly
budget portfolio of Rs.30000 and above)
Responsible for downloading all marketing activities initiated by central
marketing team to regional teams
Breaking through competition corporate accounts by giving differential
offers
Driving Asset and Liability product for corporate segment
AMFI Certified
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6. IRDA Certified
Achievement - Received recognition at national level in a short span of
time for launching cross promotional
Activities with Pizza Hut, KK Bazaar(shopping Mall) and Just Dial
(Helpline) resulting into incremental business
2. Organisation - Bharti Airtel Ltd
2.1 Designation - Head Business Solutions (Enterprise Region,
Maharashtra & Goa)
Work Profile (April 2004 onwards)
In charge overall Operations / Process development and
implementation / Sales and
Marketing for following business Verticals (Annual Budget portfolio of
Rs 6 lac)
BlackBerry : 'Revolutionary technology in telecom, launched by Airtel in
association with Research in Motion (Canada based company with
operations all over world)'
Research in Motion 'Certified BlackBerry Enterprise Sales Associate'
Research in Motion 'Certified BlackBerry Enterprise Sales Professional
4.0'
Launched Blackberry product / Business in Maharashtra & Goa circle
Driving Corporate, SME/SOHO and Retail channel for sales and
marketing
Responsible for channel engagement and appointment
Managing a team of in-house Wipro software professionals for after
sales client support and software installation
Managing a team responsible for call center training and lead
generation
Coordination with Bharti teletech for BlackBerry handhelds and
software supply
FCT (Fixed Cellular Terminal) : 'High revenue tool, primarily used in
corporate and SME segment with high telecom cost'
Launched FCT product / Business in Maharashtra & Goa
Driving corporate and SME/SOHO channel for sales and marketing
Responsible for channel engagement and appointment
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Responsible for procuring FCT units from different vendors across India
Managing technical support team for FCT installation and after sales
support
GPS/GSM/GPRS modem applications : 'Various data based applications
where SIM card can be used resulting into additional revenue for Airtel'
Server based Vehicle tracking solutions for logistics and transport
companies
Bulk SMS application for Corporate and SME sector.
GPRS / EDGE application in corporate and SME segment for wireless
internet connectivity
Driving EDGE / GPRS Data card business for corporate / SME and retail
channel.
2.2 Designation -Key Account Manager (Bharti Tairtel Ltd)

Work Profile (from Dec 2002 - March 2004)
Responsible for Business Generation, Revenue Maximisation and
Relationship Management for 80 Key accounts (turnover more than 100
Cr)
Managed a team of sales executives for all activities related to sales /
payment collection for corporate accounts by offering various benefits
on company owned / employee owned post paid mobile connections.
Identification of organisations which require various kind of high
revenue business solutions like vehicle tracking solution, information
broad cast, FCT etc. and providing them with the same.
2.3 Achievements in Bharti Cellular Ltd.
President club award winner (Awarded by Mr Manoj Kohli for top sales
performance across organization)
Awarded at circle level for top performance in various quarters and
launching business solutions stream.
Achieved all incentive schemes for entire duration in Bharti.
3. Organisation - Franchisee of Essar cellphone, Jodhpur
Designation - Asst. Manager sales

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Work profile (6 Months)

Ensuring prepaid SIM card availability with retailers
Team management for personal post paid connections
Training and promotional activities with retailers / team.
4. Organisation - Industrial Instruments (Jodhpur)
Designation - In charge marketing and sales

Work profile (24 Months)
- Sales & marketing of power conditioning & audio visual equipments
(UPS, CVT, inverters, stabilizer, OHP, LCD projector)
Appointment of re-distributors in western Rajasthan region
Ensuring better visibility and retail reach of products with computer
vendors.
Institutional sales
Other Exposure
Visiting Faculty to IIMM and Indira Institute of Management Pune
Educational background
B.Sc.(Electronics) from Jodhpur (Raj.). Year - 2000

MBA in Marketing and Information technology from IIMM Pune. Year -
2002
HEAD NEW PRODUCTS & ANALYTICS - TRANSACTION

BANKING (LIABILITIES)
21. ABHISHEK GUPTA
9 Years of Experience in Channel / Direct Sales across various Industries

like Apparel,FMCG, Media, Telecom and Banking.
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Employment History:
ICICI Bank Ltd Head New Products & Analytics - Transaction

Banking (Liabilities)
April 2007 - Till Date
- Responsible for New Transaction Banking Products (Current Accounts)
- Responsible for revenues from transaction and Product Pricing -

Portfolio Quality
- Responsible for analysing the overall Current Account Liability
Portfolio and
- sensitize Business and Management
- Responsible for ERV Program from existing Portfolio
- Responsible for reviewing the existing processes & suggest necessary
changes.
August 2004 - March 2007 |Area Head - Busines Banking - SME

Job Description:
- Managing Seperate Trade & Asset, Liabilities & Private Banking Teams
for the Area
- SME Lending - Parameterized and Non Parameterized
- FOREX- Forwards, Options and Derivative Products for EXIM
Customers.
- Trade Transactions - LC, OBC, FBN etc.
- Managing Current Accounts business for Central Kolkata- North &
South
- Focus on Numbers, Value Buildup and Retention of Current Accounts
- Managing Relationship with High Networth Customers and Corporates
having
- Relationship with ICICI Bank ensuring increased Wallet Share
- In- Charge of Overall Administration for the designated Area
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March 2004 - July 2004 HDFC Bank Ltd. As Sales Manager-

Current Accounts, Kolkata
Job Description:
- Managing Current Accounts business for Kolkata.

- Focus on Numbers, Value Buildup and Retention of Current Accounts
- Managing Relationship with High Networth Customers and Corporates
having
- Relationship with HDFC Bank .
- Managing a Team of 5 Team Leaders and 40 Sales Executives.
- Monitoring Competition Activities.
July 2003 to February 2004 Bharti Cellular Ltd. (AIRTEL) as

Territory Manager (Prepaid Sales), Kolkata.
Job Description
- Managing Prepaid SIM (Connection) Sales, Distribution and Activation.
- Managing Recharge Coupon Sales and distribution

- First point of Interface for the customer.
- Training And motivating Channel Partners and their team.
- Monitoring Competition Activities.
- Managing Customer Care Centers in my territory.
Achievements
- Highest ever Prepaid Activations from the Territory.

- 110% Growth over the existing customer base.
- Streamlined Distribution Model.
- Increased Channel Partners' Business Returns thus ensuring their
Confidence and
- involvement.
- Letter of Appreciation in the First Month and Subsequent Two months
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of Joining for
- Good Work.
Sept 2001 to June 2003 Star India Pvt. Ltd. As Territory Manager
(Distribution and Marketing)
Job Description
- Territory Managed: Guwahati managing North East India (Seven

States),Ranchi
- (managing Jharkhand and Bihar) and Kolkata
- Achieve Revenue Targets based on collection from Cable operators.
- Increase presence of Star Bouquet of channels across all Cable
Operators and
- Placement of channels at favourable bands to ensure mass viewership
- Focus on TRP Cities in my territory.
Achievements:
- Regional Champion for the year 2001- 2002 |

- National Runners Up for the year 2001-2002 |
- Target Achievement - 109% |
- Managed Channel Promotions in my territory.
- Won Trip to South Africa for Outstanding Performance.
Dec 1998 to August 2001 |Hindustan Lever Ltd.- Sales

Oficer(Detergents)
Job Description
- Territory: Meghalaya, Manipur and Mizoram
- (Single largest Geographical Territory in the country)
- Distributors Handled: 14
- Turnover Handled (pa): 200 lacs (INR)
- Achieve Secondary Sales
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- Move Primary Stocks to the Distributors

- Commercial Controls on the Distributors
- Tracking Competition Company wise, Brand wise and pack wise.
- Achievements:
- Won Lifebuoy award for highest sale in the region.
- . Special achievement award for Lux Soap re-launch.
Educational Qualification
• Passed B.A. Part II, Calcutta University, 1998 with 56% marks from
St. Xavier’s College, Calcutta.
• Passed Indian School Certificate Examination, 1995 with 81% marks
from G.D. Birla Girls’ High School.
• Passed Indian Certificate of Secondary Education, 1993 with 83%
marks from G.D.Birla Girls’ High School.
Professional Qualification
• Currently pursuing Executive Programme in Business Management
from Indian Institute of Management, Calcutta.
WEALTH MANAGER
22. MALHAR R. MEHTA
Work Experience
Citibank N.A..
Job Title – Wealth Manager , CitiGOLD (September 2003 – till)
As a Wealth Manager, I am stationed at Kanak Building branch of
Citibank, Kolkata.
Handling the largest AUM in East.
Job involves generation of revenue out of the portfolio allocated to
me, by effectively cross selling various banking /third party products and
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thereby increasing the Net Relationship Value of all customers in my

base.

Currently handling a team of six RelationshipManagers , from Oct
2007.
The team is responsible for generation of one-third of the revenue

numbers of the branch.
Product range consists of Mutual Funds, RBI Bonds, Life Insurance,
Real Estate Funds, PMS, Structured Notes, etc. Am also responsible for
generating revenue from Forex/Trade related transactions.
Am involved in lead generation for Home Loans, Personal Loans, Car
Loans and Credit Cards.
Job requires acquisition of newcustomers for the bank and shifting
customers from competition towards Citibank.
Have been meeting customers on a regular basis and touch basing
with customers in my portfolio and being their one point contact for any
investment or service related queries and ensuring timely resolutions.
Advising suitable investment products to all customers based on risk
profile and regularly tracking their portfolio so as to maximize returns.
Ensuring Problem Incidence is zeroised for all customers in my base.
Managed to increase the Investment and Insurance penetration for
all customers and thus increasing the Asset Under Management of the
base.
Involved in increasing the CASA float in my base.
Had initially been involved in handling various service and
operations related processes in the branch. Had been the largest
contributor of sales through the service platform.

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Dec’04 and Sep’05.
HongKong & Shanghai Banking Corporation Ltd (December,

2002 – August 2003).
Job Title - Financial Planning Officer
Was stationed at Dalhousie branch

Job involved cross selling of investment and insurance products to
existing branch customers, thus increasing the depth of relationship.
Product range consisted of Mutual Funds, RBI Bonds and Life and
Non-life insurance products.
Job required thorough need analysis of the customers and asset
allocation of wealth so as to maximize returns for the customers.
Organize customer events to increase penetration and build up
customer loyalty.
Allianz Bajaj Life Insurance Company Ltd. (March, 2002 –

November 2002)
Job Title - Financial Services Consultant
Worked as a Financial Services Consultant, stationed at Standard

Chartered Bank to promote the company’s product through its
bancassurance channel by aggressively selling to branch customers.
Job required thorough financial planning and asset allocation for all
segments of branch customers through a proper need analysis
mechanism.
Conducted regular promos and events at branches of
StandardChartered Bank to propagate awareness of insurance among
not only customers but also bank employees.
Had been proactively involved in organising focus group meetings,
formulate strategy and liaising with various units of the bank (e.g. Home
loans, credit cards, NRI services, Corporate bank etc.) to maximise
sales.
Organised dedicated Insurance Week for bank customers (carried out
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road shows, building camps and in-house programmes during that

period).
Job required tracking of competitor activities, both on lines of
product and promotion, and update management periodically.
Region’s business volumes.

Awarded the Best FSC ofthe country in June,'02.
Allinaz Bajaj’s bancassurance channel has contributed the maximum
business among all its competitors.

Response India Pvt. Ltd. (December,2000 – February, 2002)
Job Title - Account Manager
Responsibilities - Client Service : acquiring briefs , briefing creatives ,

correlation with studio and production, assisting media plans and
creative strategies and research, preparing client presentations.
Handled work for the following accounts :
• Goodcare
• Ganapati Greenfields Limited
• The Telegraph
• Computer Management Center (CMC)
• Bajaj Auto Ltd
• Telco
• Berger Paints, etc
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23.
BRANCH MANAGER
23. RAJAN NARVEKAR
Senior Banking Professional

With over 3 decades of experience in:
Banking Operation (Retail/Rural), Branch Operations
Credit Administration, Forex Management, Marketing & Business
Development, CRM
Working Capital Management, Training & Development
Presently associated with A Reputed Organization as Branch Manager.

Extensive experience in managing the entire banking operations,
encompassing routine banking operations, client servicing, marketing &
business development. Proven abilities in managing services involving
delivery of securities dematerialization of shares, credit collection &
compliance with statutory norms, Working Capital financing & financing
for large & Mid cap corporates. Expertise in managing the complete
Agricultural Banking portfolio encompassing account opening, product
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launches, business development & loan disbursal. Adept at customized

product development and service delivery to ensure maximum customer
satisfaction level, managing various commercial operations entailing
opening the letter of credit, negotiation etc. Proficient in handling
operations in compliance to the rules and regulation laid by various
governing bodies well conversant with the dynamics of Credit Market.
An effective communicator with exceptional relationship management
skills with the ability to relate to people at any level of business and
management.
Career Scan
Since Apr' 74: A Reputed Organization
The Growth Path:

Apr' 74 - Mar' 82: Joined as Assistant - General Banking
Mar' 82 - Oct' 93: Promoted as Assistant Manager - Retail Banking &

Credit
Oct' 93 - Jan' 04: Promoted as Deputy Manager - Credit / HR
Since Jan' 04: Promoted as Branch Manager
Key Functional Areas:

Banking Operations Management
Retail Banking: Handling and front-end operations for Savings, Current
& Fixed Deposits, involved in Cash Management for branch as well as
well as extending priority banking services. Interfacing with other banks
for lending/ borrowing and ensuring compliance with the statutory
requirements laid down under different Acts governing banking
regulations. Devising and implementing policies/procedures for the all
round development of the bank as well as reducing overall costs to the
bank through various means. Monitoring and reviewing MIS reports,
balance sheets, etc.
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Profit Centre Management: Setting up and heading complete branch

operations with key focus on bottom line profitability by ensuring
optimal utilization of available resources. Formulating operating
budgets to ensure optimum utilization of available funds towards the
accomplishment of overall corporate goals. Key focus on bottom line
profitability by ensuring optimal utilization of available resources.
Rural Banking Operations: Managing the entire rural banking

operations for promoting various agricultural & structured products.
Formulating various schemes for the enlistment of farmers &
agricultural sector.
B. Credit Administration
Appraising credit proposals & scrutinizing relevant documents before
sanctioning / disbursing the credit, ensuring compliance with
organizational credit policies.
Overseeing conduct, supervision sanction & maintenance of advances
portfolio of SBH branches in Pre and post disbursement tracking and
monitoring of loan accounts.
Performing the functions of assessing creditworthiness of clients and
taking adequate steps to ensure receipt of payments and recovery of
debts.
Conceptualizing & implementing recovery strategies in case of payment
defaults.
Handling defaulters / insolvent clients and initiating appropriate legal
actions against them.
D. Marketing/ Business Development:

Managing marketing operations for various banking / insurance
products thereby achieving increased sales/maximizing profit.
Undertaking marketing of new ancillary financial products such as
Insurance, Depository, Mutual Fund, Government treasury related
products.
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Building brand focus, reviewing and interpreting market response to

facilitate product growth.
Identifying prospective clients, generating business from new accounts
and developing them to achieve consistent profitability.
Constantly striving for achieving targets for the branch set by Regional
HQs in the areas of deposit mobilization, advances, recovery in NPA
accounts, profitability etc.
E. Customer Relationship Management:

Managing customer centric banking operations & ensuring customer
satisfaction by achieving delivery & service quality norms.
Attending to investors/ clients (individuals/corporate clients) concerns &
complaints and undertaking steps for effectively resolving them.
Interacting with the customers to gather their feedback regarding the
products' utilities.
Maintaining cordial relations with customers to sustain the profitability
of the business
F. Training & Development:

Identifying training needs across levels through mapping of skills
required for particular positions and analysis of the existing level of
competencies.
Incorporating bonded teamwork and managing healthy environment.
Managing & motivating workforces to attain assigned targets &
maximize customer delight.
Highlights:
Augmented profits from 33 lakhs to 72 lakhs & recoveries to the tune of
over 1 crores plus.
Holds the distinction of being invited as Guest Speaker in training
centers for number of occasions.
Served at almost at all the urban centers of M.P like Indore, Bhopal,
Ujjain & Jabalpur
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Training Programmes Attended

2 weeks training on IT at A Reputed Organization, Hyderabad.
2 weeks training on Credit management at A Reputed Organization Staff
College, Hyderabad.
2 weeks training on Retail Banking at Staff College, Gurgaon.
3 day workshop on NRI Banking / Internet Banking
1 week training on Note Refund rules at RBI, Nagpur.
Academia
1974, M.Sc. from Vikram University
1973, B.Sc. from Vikram University
GENERAL MANAGER
CORPORATE STRATEGY & PLANNING DEPTT
24. GOPALKRISHNA ANNAJI TADAS
. Excellent skills in project finance and adept at handling infrastructure

finance (roads, power, sea ports, airports, Special Economic Zones,
Metro rail, logistics, gas pipelines), and other vital sectors like steel,
sugar, film financing, real estate, commercial malls, hospitals, hotels.
. Appraising credit proposals & scrutinizing relevant documents before
sanctioning/ disbursing the credit, ensuring compliance with
. As a member of Rating Committee, offering expert views on rating of
credit proposals.
. Analyzing market trends to provide critical inputs for formulating
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corporate strategies.
. Conducting policy oriented research in areas such as International
Economics, WTO & trade related issues, Indian Economy, Financial
Sector, Industry Studies, Development Economics.
. Functioned as:
o Short-time Consultant to UN-ESCAP, Bangkok, Thailand, for preparing
a policy paper on poverty alleviation and agriculture in the Asian region,
June/July 1995.
o Nodal-officer for coordinating activities of South Asian Development
Fund (SADF) dealing with resource requirements of SAARC countries,
identification of priority areas for funding, overall evaluation of
feasibility studies sponsored by the SADF.
. Adept at people management, maintaining healthy employee relations,
handling grievances thus creating an amicable & transparent work
environment.
CAREER HIGHLIGHTS
Industrial Development Bank of India Ltd. (IDBI) Since

Sept. 1995
The Growth Path
General Manager
Corporate Strategy & Planning Deptt. Since Sept,
'07
Head Office, IDBI
General Manager, May'05 -

Aug'07
Project Appraisal Deptt, Head Office, IDBI
General Manager, Nov'01 -

May'05
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In-charge of Corporate Branch Operations, Pune Office of IDBI
Dy. General Manager, Sep'95 -

Nov'01
Corporate Strategy & Planning Deptt, Head Office, IDBI
Core Competencies
Credit Management
. Possess excellent skills in project finance and adept at handling

infrastructure finance (roads, power, sea ports, airports, Special
Economic Zones, Metro rail, logistics, gas pipelines), and other vital
sectors like steel, sugar, film financing, real estate, commercial malls,
hospitals, hotels.
. Appraising credit proposals & scrutinizing relevant documents before
sanctioning / disbursing the credit, ensuring compliance with
. Performing the functions of assessing creditworthiness of companies in
different industries and taking adequate steps to ensure receipt of
payments and recovery of bad debts (recovery management).
. Undertaking regular monitoring of borrower accounts and maintaining
an update on the developments in relevant industries.
Policy/Research Analysis, Strategic Planning / New Setups
. Conducting policy oriented research in areas such as International

Economics, WTO & trade related issues, Indian Economy, Financial
Sector, Industry Studies, Development Economics.
. Establishing goals & developing plans for the achievement of these
goals.
. Creating, managing and streamlining start-ups.
. Preparing long term & short term plans, resulting in tangible
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programmes for improving customer service and thereby performance

of the branch.
Banking Operations
. Managing branch operations at Regional Level with key focus on
bottom line profitability.
. Implementing policies/procedures for all round development of the
bank & reducing overall costs through various means.
. Liaisoning with various branches for smooth execution of branch
activities & other operational aspects such as documentation,
streamlining the service systems and developing new systems for
enhancing efficiency
Client Servicing
. Assessing the customer feedback, through feedback from branches and

evaluating areas of improvements.
. Handling the requests and complaints at the branch to ensure their
resolution within the stipulated TAT
Team Management
. Leading, mentoring & monitoring the performance of the team to
ensure efficiency in process operations.
. Sustaining a dynamic environment that fosters development &
motivating high performance amongst team members.
PREVIOUS EXPERIENCE
Research and Information Research Associate May'85-
Sept'95
System for Non-aligned and Other Developing Countries (RIS)
New Delhi
. Conducted research and policy oriented studies and projects on

national & international economic developments.
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Fertiliser Association of India Officer Feb '84-May '85

New Delhi Economics and Statistics Division
. Conducted policy studies and statistical documents relating to fertiliser

industry
ACADEMIA
B.A. Karnataka Arts College 1981

Economics, Statistics, Mathematics Dharwad, Karnataka
M.A. (Economics with Econometrics) Karnataka University

1983 Dharwad
MBA (Finance) IGNOU, New Delhi 2006
CAIIB Indian Institute of Banking & Finance (IIBF)
2006
(Certified Associate of Indian Institute of Bankers)
FUTURE LANDSCAPE OF INDIAN BANKING
3.1 Liberalization and de-regulation process started in 1991-92 has

made a sea change in the banking system. From a totally regulated
environment, we have gradually moved into a market driven competitive
system. Our move towards global benchmarks has been, by and large,
calibrated and regulator driven. The pace of changes gained momentum
in the last few years. Globalization would gain greater speed in the
coming years particularly on account of expected opening up of financial
services under WTO. Four trends change the banking industry world
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over, viz. 1) Consolidation of players through mergers and acquisitions,

2) Globalization of operations, 3) Development of new technology and 4)
Universalization of banking. With technology acting as a catalyst, we
expect to see great changes in the banking scene in the coming years.
The Committee has attempted to visualize the financial world 5-10 years
from now. The picture that emerged is somewhat as discussed below. It
entails emergence of an integrated and diversified financial system. The
move towards universal banking has already begun. This will gather
further momentum bringing non-banking financial institutions also, into
an integrated financial system.
3.2 The traditional banking functions would give way to a system geared
to meet all the financial needs of the customer. We could see emergence
of highly varied financial products, which are tailored to meet specific
needs of the customers in the retail as well as corporate segments. The
advent of new technologies could see the emergence of new financial
players doing financial intermediation. For example, we could see utility
service providers offering say, bill payment services or supermarkets or
retailers doing basic lending operations. The conventional definition of
banking might undergo changes.
3.3 The competitive environment in the banking sector is likely to result

in individual players working out differentiated strategies based on their
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strengths and market niches. For example, some players might emerge
as specialists in mortgage products, credit cards etc. whereas some
could choose to concentrate on particular segments of business system,
while outsourcing all other functions. Some other banks may
concentrate on SME segments or high net worth individuals by
providing specially tailored services beyond traditional banking offerings
to satisfy the needs of customers they understand better than a more
generalist competitor.
3.4 International trade is an area where India’s presence is expected

to show appreciable increase. Presently, Indian share in the global
trade is just about 0.8%. The long term projections for growth in
international trade is placed at an average of 6% per annum. With the
growth in IT sector and other IT Enabled Services, there is tremendous
potential for business opportunities. Keeping in view the GDP growth
forecast under India Vision 2020, Indian exports can be expected to
grow at a sustainable rate of 15% per annum in the period ending with
2010. This again will offer enormous scope to Banks in India to increase
their Forex business and international presence. Globalization would
provide opportunities for Indian corporate entities to expand their
business in other countries. Banks in India wanting to increase their
international presence could naturally be expected to follow these
corporates and other trade flows in and out of India.
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3.5 Retail lending will receive greater focus. Banks would compete with
one another to provide full range of financial services to this segment.
Banks would use multiple delivery channels to suit the requirements and
tastes of customers. While some customers might value relationship
banking (conventional branch banking), and others might prefer
convenience banking (e-banking).
3.6 One of the concerns is quality of bank lending. Most significant

challenge before banks is the maintenance of rigorous credit standards,
especially in an environment of increased competition for new and
existing clients. Experience has shown us that the worst loans are
often made in the best of times. Compensation through trading
gains is not going to support the banks forever. Large-scale efforts are
needed to upgrade skills in credit risk measuring, controlling and
monitoring as also revamp operating procedures. Credit evaluation may
have to shift from cash flow based analysis to “borrower account
behaviour”, so that the state of readiness of Indian banks for Basle II
regime improves. Corporate lending is already undergoing changes.
The emphasis in future would be towards more of fee based services
rather than lending operations. Banks will compete with each other to
provide value added services to their customers.
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3.7 Structure and ownership pattern would undergo changes. There

would be greater presence of international players in the Indian
financial system. Similarly, some of the Indian banks would become
global players. Government is taking steps to reduce its holdings in
Public sector banks to 33%. However the indications are that their PSB
character may still be retained.
3.8 Mergers and acquisitions would gather momentum as managements

will strive to meet the expectations of stakeholders. This could see the
emergence of 4-5 world class Indian Banks. As Banks seek niche areas,
we could see emergence of some national banks of global scale and a
number of regional players.
3.9 Corporate governance in banks and financial institutions would

assume greater importance in the coming years and this will be
reflected in the composition of the Boards of Banks.
3.10 Concept of social lending would undergo a change. Rather than

being seen as directed lending such lending would be business driven.
With SME sector expected to play a greater role in the economy, Banks
will give greater overall focus in this area. Changes could be expected in
the delivery channels used for lending to small borrowers and
agriculturalists and unorganized sectors (micro credit). Use of
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400077. India.
MANUAL
intermediaries or franchise agents could emerge as means to reduce

transaction costs.
3.11 Technology as an enabler is separately discussed in the report. It

would not be out of place, however, to state that most of the changes in
the landscape of financial sector discussed above would be technology
driven. In the ultimate analysis, successful institutions will be those
which continue to leverage the advancements in technology in re-
engineering processes and delivery modes and offering state-of-the-art
products and services providing complete financial solutions for
different types of customers.
3.12 Human Resources Development would be another key factor

defining the characteristics of a successful banking institution.
Employing and retaining skilled workers and specialists, re-training the
existing workforce and promoting a culture of continuous learning
would be a challenge for the banking institutions.
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400077. India.
MANUAL
NEW BUSINESS OPPORTUNITIES
With the interest income coming under pressure, banks are urgently
looking for expanding fee-based income activities. Banks are
increasingly getting attracted towards activities such as marketing
mutual funds and insurance policies, offering credit cards to suit
different categories of customers and services such as wealth
management and equity trading. These are indeed proving to be more
profitable for banks than plain vanilla lending and borrowing. 69 per
cent of respondents stated that 20 – 30 % proportion of their total
Income is constituted by fee-based incomes.
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400077. India.
MANUAL
New Business Opportunities tapped by banks

Derivatives Trading
36.8%
Wealth Selling of Mutual

Management Funds 73.6%
21.05%
Forex Management
68.4%
Bancassurance
73.6%
*
Bancassurance and selling of mutual funds were recognized as
the most tapped business opportunities by the bankers closely
followed by Forex Management. Out of these selling of mutual
funds was identified as the most profitable venture by 47 per cent
of respondents.
Today, India has 83000 HNWIs, a 19.3% increase in number over 2004.
This data clearly exemplifies the fact that the number of wealthy
individuals in the country is growing at a rapid pace. However,
presently, there are only a handful of entities which offer high-end
private banking in India. Just about 21.5 per cent of our survey
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400077. India.
MANUAL
respondents stated of having tapped this opportunity. This area

has a huge potential for growth.
SOME FORTHCOMING CHALLENGES BEFORE INDIAN

BANKERS
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400077. India.
MANUAL
Presently some of the top most concerns of the stakeholders of the

banking industry i.e. government, regulator and bankers are
consolidation in the financial sector, improving HR systems of Public
sector banks thereby improving their competitiveness and successful
implementation of Basel II norms.
Size and Efficiency: Is consolidation the answer?
The RBI’s roadmap for the banking sector envisages greater access to
foreign banks in India from April 2009. The increased competition, it is
argued, would be tough on smaller banks. Besides, the Basel II capital
adequacy framework, which kicks off from March 2007, is expected to
increase the banks’ capital requirement. PSU banks short on capital can
look to mergers instead of government capitalization. 95 per cent of
the respondents also view that this is the right time for the
consolidation in the financial sector. What is needed is a roadmap
for managed consolidation. Voluntary mergers are certainly better than
forced ones. Forced mergers are always a compromise and cannot lead
to maximization of shareholders value.
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MANUAL
The government is planning to kick off consolidation in the sector by

lining up a series of merger and acquisition proposals for the public
sector banks, thus enabling creation of 6-7 banks as big as the State
Bank of India. The idea behind the move is to create large players that
can take on the competition when the sector is thrown open three years
from now. 94 per cent respondents also fully supported this view of the
government.
The presence of 6 –7 large sized banks does not rule out the relevance of
small/niche/regional banks in the market, as highlighted by 83 per cent
of respondents. Small niche banks thrive even in the most competitive
markets. The state-owned banks that have regional character can look
for geographical diversification though inorganic growth.
_______________________________________174_______________________________
400077. India.

Banking Final

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Banking Final

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TALENT CORNER ACADEMY TRAINING

Sr. TOPICS Page No.

2 Banking System - Banks In India 3-9

3 Top 10 Banks in India 10-21

4 An industry note - Banking in India 22

5 Sample Organization Structure In A 23 - 27

6 Indian Banking Sector: Strengths and 28 - 29

7 Sample Job Description 30 – 63

8 Sample Resumes 64 – 128

9 Future Landscape of Indian Banking 129 – 132

10 New Business Opportunities 133 – 134

11. Some Forth Coming Challenges Before 135

Banks in India can be categorized into non-scheduled banks and

As far as the present scenario is concerned the banking industry is in

Banking System - Banks In India

Oriental Bank of Commerce (OBC), a Government of India Undertaking

The following are the list of Public Sector Banks in India

List of State Bank of India and its subsidiary, a Public Sector

 Private Sector Banks

Private banking in India was practiced since the beginning of banking

The first Private Bank in India to receive an in principle approval from

List of Private Banks in India

Co operative Banks in India are registered under the Co-operative

Cooperative banks in India finance rural areas under:

Cooperative banks in India finance urban areas under:

Some facts about Cooperative banks in India

 Some cooperative banks in India are more forward than many of

 According to NAFCUB the total deposits & lending’s of

 Regional Rural Banks In India

Rural banking in India started since the establishment of banking sector

which 2126 (91%) are located in remote rural areas.

Haryana State Cooperative Apex Bank Limited

The Haryana State Cooperative Apex Bank Ltd. commonly called as

National Bank for Agriculture and Rural Development (NABARD) is a

Sindhanur Urban Souharda Co-operative Bank

Sindhanur Urban Souharda Co-operative Bank, popularly known as

United Bank of India

 Foreign Banks In India

Foreign Banks in India always brought an explanation about the prompt

List of Foreign Banks in India

 Upcoming Foreign Banks in India

The following are the list of foreign banks going to set up

Merrill Lynch is having a joint venture in Indian investment banking

GE Capital is also having a wide presence in consumer finance through

TOP 10 BANKS IN INDIA

1. State Bank of India

In 1921, the Imperial Bank of India, the precursor to State Bank of

 State Bank of Bikaner & Jaipur

2. HDFC Bank Limited

The products and services offered by the bank include:

Loans, Citi business, Banking, Insurance services, Credit cards,

1) Personal banking 2) NRI banking 3) Corporate banking

4. Punjab National Bank

Punjab National Bank caters to 3.5 crore customers through a network

London, and Kabul. It also offers Internet banking facilities and is

5. UTI Bank (AXIS BANK)

It excels in providing value to the customers and serving them in a

Hong Kong and Shanghai Banking Corporation

7. Kotak Mahindra Bank

Investments & Insurance

Loans & Borrowings

Corporate & Institutional

8. Oriental Bank of Commerce