Lions Club's SightFirst Program & I am a UNICEF's Guardian of Hope.

RIDIT RAJ DUTTA, MBA(Fin), CAIIB(Corporate Banking).

A1,Sathe House, Near HDFC Bank, Dattapada Road, Borivali (E), Mumbai-

400066.

Mobile: +91-993**-*****; E-mail: *************@*****.***,

********.*****@*********.***

> Enterprising & aspire to perform to the best of abilities with a keen

focus on the dynamics of business and technology - enhancing the

qualities of an achiever.

SYNOPSIS

A professional with over 5 years of experience in Retail Liabilities,

Segment Study, Product Profitability Analysis, New Branch Strategy, Branch

Profitability Analysis & Projections, Branch Manpower Productivity, Senior

Management Review, Forecasting on Insight, BSR, UAT & System Development,

Debt Management, Portfolio Analysis, Allocation & Collection Strategies,

Cash Management & Cash Optimisation, Credit Building, Cost Planning,

Operations, Program Implementation, Channel Management and Team Management.

Well versed with retail liabilities products, LC/BG & credit card.

Proficient in new channel development and attaining the individual as well

as branch targets and goals. Expertise in analyzing competitor trends to

provide critical inputs, formulating and implementing various leap-frog

strategies for new branch & new product roll-out, collection strategies for

intense penetration and hassle-free recovery through a network of channel

partners. Strong sense of identifying and developing healthy business

relationships with the existing & prospective clients as well as

facilitating need based services. Demonstrated ability of leading and

adapting to fast-paced environments. Established as a skilled negotiator &

team builder.

CURRENT RESPONSIBILITY

Since April '13: Working with ICICI Bank Ltd. as Branch Banking Service

Manager, Retail Liabilities (Pan India).

Key Highlights

> Strategic Planning - Identifying & Formulating Strategies for existing

New Branches, based upon Segment Study, Competition Mapping & Catchment

Analysis.

> Key deliverables - Facilitating Senior Management Review on

Business Inputs - both on Sales & Health parameters for Retail

Liabilities Products, Manpower Planning & New Branch

Profitability Analysis, Forecasting based on Insights.

> Integrating Business Solution Requirements, Doing User

Acceptance Test for System Development & System Enhancements.

> Operations - Pan-India Branch Health Score computations on Compliance

> Hand-holding & suggesting improvements & identifying focus areas

to turn profitable.

> Program Implementation - Execution and tracking of various communication

campaigns with strong focus on effectiveness in tab banking & CASA float.

> Sales - Integrating & disseminating Market Intelligence on different

product segments & variants for better sales & ease for Cross-selling

(Attachments).

Aug '08: Working with ICICI Bank Ltd. as Debt Manager - West-I (Mumbai,

Thane & Navi Mumbai).

Key Highlights

> Strategic Planning - Used CIBIL awareness campaigns started in early 2011

which enhanced the Debt Management & Credit Building processes

significantly

> Encouraging cross-selling of Insta Credit Cards while selling

Settlement Offers.

> Identification of negative areas & negative profiles for Credit

control.

> Team Management - Led a team of 80 team members across a number of

Channels.

> Adroitly supported the entire Unsecured cash collections team in

increased and effective use of Legal tools & CIBIL Credit Score

Card (a product of Dun & Bradstreet & TransUnion) - Team

Efficiency increased by 30%, Rs.4.5 Mn per month.

> Channel Management - Setting up of cash recoveries processes/channels

with low cost of acquisition and better waiver approval rates as key

parameters.

> Recoveries through Adventity (Sutherland BPO), Expressit, Pace

Setters & 3i Infotech.

> Maintaining code of conduct and ensuring proper brand

management.

> Audit & Compliance -

> Pan-India Winner of Compliance e-Quiz on Collections within 6

months of joining the organisation & received certificate of

excellence from bank's board of director Mr. Madhivanan B. for

scoring 100%.

> Execution of RBI mandate - 100% DRA trained Executives for all

Channel Partners in the assigned territory & ensuring 'A' rating

for audit & compliance for all the channel partners. Encouraging

ISO Certification for Channel Partners.

> Achievements - Promoted April, 2012. Topped PAN-India March'13, July'12,

April'12, July'11 BSC.

Previous Assignments

Jun '07 to Jul '07 EXIM Bank of India as Summer Trainee (Area: North

Eastern Region)

ACADEMIA

2013 CAIIB (Certified Associate of the Indian Institute of Banking -

Corporate Banking, JAIIB-2011)

2008 M.B.A. (Finance & Mktg.) from Department of Business Administration,

Tezpur University (A Central University, TUMBA - recipient of Dewang

Mehta B-School Leadership Award, 2010).

2004 B.Sc. (Physics) from D.R. College, Dibrugarh University.

PROJECTS COMPLETED

> MBA Final Year Project titled "Prospects and Strategies for Export of

Agri and Horticultural Products from the North Eastern India." at EXIM

Bank of India, Guwahati for a period of two months.

> Project on Stock markets titled "Arbitrage-Scope in BSE & NSE."

> Studies on Sovereign Wealth Funds/Inflation Accounting.

ACHIEVEMENTS

> Champion Tezpur University Inter-Departmental Quiz Competition, 2007.

> Runner Up, NRL Technical Forum Quiz, 2004 on the theme "2004: Year of

Scientific Awareness".

> Golaghat District Inter-College Quiz Champion, 2001 and 2002.

> Annual Debraj Roy College Quiz Champion for four years - 2000, 2001, 2003

& 2004.

> Zonal level Quiz Championship in 2000 organized by the Assam Physical

Society and sponsored by the NCSTC, New Delhi.

> District Champion, National Science Day Quiz sponsored by Assam Science

Technology and Environment Council in 1995.

EXTRA-CURRICULAR ACTIVITIES

> Played Cricket & Basketball & Standard Chartered Inter-Corporate Football

for ICICI Bank.

> Won Gold Medal in cricket championship at Tezpur University.

> Placed 5th in University Marathon, Champion - Hostel Marathon & Runner Up

- 800 mtrs race.

> Student In charge, Souvenir Committee, Department of Business

Administration, Tezpur University.

> Active member of Oekologica Nature Club during college days.

> Worked for District Journey for Sight and successfully achieved the goals

of 'Campaign Sight First' launched by Lions Club during school days.

UNICEF's Guardian of Hope.

KEY STRENGHTS

> Develop, support & execute important projects for the organisation.

> Keen to learn and experienced in process improvements.

> End to end ownership and result orientation. Collaboration &

interpersonal skills.

> Enjoy a very good rapport with cross functional departments like Sales,

Credit, Operations, Product, Content Branding, Legal, Shared Services and

Risk Containment Unit.

INTERESTS/HOBBIES

> Travelling/ Reading Newspapers/ Listening to Music/ Web Surfing

ADDITIONAL QUALIFICATIONS & CERTIFICATIONS

> HWA - Honors Diploma in Web Application (NIIT).

REFERENCES

> Available upon request.

Contact this candidate