About
Regional banking leader with hands-on experience overseeing multi-branch operations at Utkarsh Small Finance Bank, managing 6 branches with a combined portfolio of ₹48 Cr. & ~16,000 customers across Chaibasa, Jharkhand. Managed 44 employees, ensuring alignment with organizational KPIs related to sales, recovery, profitability, and customer service.
Experience6
Divisional Manager
03/2025 — 09/2025Utkarsh Small Finance Bank
Led end-to-end operations of 6 bank branches across West Bengal & Jharkhand, managing a ₹48 Crore loan portfolio with 16,000+ customers. Drove business growth and financial inclusion initiatives, monitored branch-level KPIs, and reduced Gross NPA by 7%.
Area Manager
09/2018 — 02/2025Fusion Microfinance Limited
Managed operational, financial, and compliance aspects across 4 microfinance branches, achieving 20% year-on-year growth in loan disbursements. Improved collection efficiency by 15% and reduced Gross NPA by 12%.
Sales Team Leader
05/2017 — 08/2018Vivo Communication Device
Led sales operations across 12 retail outlets, managing a monthly sales turnover of ₹1.5 Cr. Ensured 100% achievement of sales targets and improved footfall through marketing campaigns.
Experience Consultant
09/2014 — 05/2017Samsung India Limited
Acted as a product expert for Samsung mobile devices, achieving regional sales recognition through effective upselling and customer engagement.
Sales Manager
02/2014 — 08/2014Ideal Retail Venture (Samsung Smart Cafe)
Managed store operations and improved customer experience through staff coaching and sales reporting.
Loan Manager
10/2010 — 01/2014SKS Microfinance Limited
Supervised microfinance activities, ensuring timely loan disbursement and supporting financial inclusion initiatives.
Education3
MBA
2018 — 2025NMIMS Global Access School For Continuing Education
Business Management
Bachelor Of Arts
2022Vidyasagar University
Higher Secondary (10+2)
2022West Bengal Council Of Higher Secondary Education