Customer Manager

SOURAV PRAMANICK

Mobile: +91-985*******/ 858-***-**** ~ E-Mail: *******************@*****.***

Seeking assignments in reputed organization preferably in Banking sectors, where I may grow wit h the company and the

organization also gets benefited by me.

Profile Snapshot

An astute B.Tech. and MBA professional with over 2.9 years of experience in Business Loan acquisitions, Current

Account Acquisitions, Customer Relationship Management, Retail Banking, Portfolio Management of High net worth

Customers, Financial Analysis, Business Strategy and Team Management, Cross Selling to Customers

Gained comprehensive experience in handled credit with respect to Enterprise Credit and Agri Credit and in ICICI Bank

Competent in streamlining & improving existing systems / processes, envisioning new methodologies, future trends

and driving development, direction and accomplishment

Ability to support and sustain a positive work environment that fosters team per formance with strong communication

and relationship management skills

Skill Set

Business Loans

Acquiring customers for the CC/OD requirement for their business need.

Attending business men having accounts with bank for their Over Draft/ Cash Credit /Te rm loan/Bank Guarantee or

Letter of Credit requirement. Work also demands analyzing their accounts and balance sheet as per their eligibility

and credibility for giving them the limit. Also involved in Cross selling them and sourcing new current accounts.

Studying account statements of other bank accounts and understanding the inflow or outflow of funds, Credit

Summation, cheque bounces- both inward and outward, Validating Vat Returns, and understanding other loans of the

customer.

Continuous following the portfolio health and maintaining a good relation with the customers for timely interest

payment, as also keeping an eye on the usage of funds and not letting it to be a NPA.

Continuous follow up with the customer on timely repayment so to avoid late paymen t charges or penalty, and such

that the facility can be renewed on timely manner.

Collecting references from the neighbours and other business men about the business style and nature of business of

the borrower

Customer Relationship Management:

Enhancing customer satisfaction matrices & monitoring customer complaints on Loans and Advances

Building and maintaining healthy business relations, ensuring maximum customer satisfaction.

Renew customer’s facility before expiration after one year.

Credit Evaluation

Conducting analysis of CIBIL, RBI Defaulter list, MCA List & CPCS data to evaluate the risk profile; understanding the credit

requirements and credibility of the borrower and assessing them as per policy guidelines.

Evaluating company financial from among the key credit banking ratios & analyzing their credit worthiness for sanctioning

limits.

Creating CAM Report i.e. Credit Appraisal Memo for Agri Loan and Business Loan

Fraud & Risk Management

Undertaking non-starter updates to credit and identifica tion of risks and monitoring of risks arising by funding of

certain profiles, scanning documents to avoid frauds by minimizing the losses & implementing recovery strategies in

case of payment defaults.

Handling quality control exercise of verification repo rts published by External Agencies through various Quality Check

Tools such as Seeding, Verification Back-Calling, Re-Verification by Credit Team, etc.

.

Employment Details

Nov’11 – Present: ICICI Bank Ltd., Kolkata Assistant Manager

Growth Path

Nov’11 – Feb’12: Probationary Officer

Since Feb’12: Assistant Manager

Key Result Areas

Essaying a key role in dealing with customers with Current Account ranging from Rs. 1 Lakhs to Rs. 20 Crores for

macro enterprises and analyzing their Company’s Balance sheet and credibility

Analyzing & verifying bank statement and other Documents and signatures for any fraudulent cases, thereby

minimizing losses

Highlights

Felicitated with appreciation award for Business loans in year 2013

Felicitated with a Reward for SHG Context in 2011

Played a pivotal role in saved approximately Rs 25 lakhs of bank’s money through efficient Credit Appraisal

Successfully attended Credit Workshop organized by ICICI Bank in Hyderabad in 2011

Certifications

NISM Certified

NSDL Certified

Online Book Shop Project in VB from Computer Society Of India

Student Database Management System from Ardent Collaboration

Certificate in Java Programming Language from NIIT

Attended and successfully completed an Audit course, titled Advanced Credit and Risk Management from the

Corporate Education Group of Manipal Global Education Services Pvt Ltd in year 2014.

Academic Qualifications

B.Tech. (Computer Science & Engineering) from Haldia Institute of Technology, Haldia, West Be ngal University of

Technology in 2009

MBA in Banking and Finance in Bangalore from Manipal University in 2014

Personal Details

Date of Birth: 2nd May 1986

Father’s Name: Tapan Kumar Pramanick

Residential Address: 71/34, Bhubon Mohon Roy Road, Baishali Park, Sakher Bazar, P.O. - Barisha, Kolkata – 700008

Languages Known: English, Hindi and Bengali

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