PROFESSIONAL
- Banking & Digital Solutions Specialist with advanced expertise in designing interactive analytical dashboards for web & mobile platforms—enabling multi-level reporting, real-time insights, and customizable visualization for decision-making.
- Proven track record in Digital Banking Solutions: Payment Gateways across E-commerce, Education, FinTech, Govt. & Institutional Segments, with API-based solutions for Payouts (NEFT, RTGS, IMPS) and Collections (Virtual Accounts, UPI/QR, NACH, eNACH).
- Skilled in Host-to-Host Integrations, i-Multipay & BizPay for disbursements, and Virtual Account Collection Solutions, ensuring seamless, secure, and scalable digital transactions.
- Solid knowledge of Trade Finance Services including Import/Export, Remittances, FDI, Foreign Currency Share Transfer, Bill Discounting, Collections, Letters of Credit (LCs), and Bank Guarantees (BGs).
- Expertise in banking operations, business MIS analysis, and strategy implementation to drive business growth, revenue maximization, cost optimization, and market positioning.
- Recognized for a solutions-oriented approach, strong relationship management skills, and channel capability building; consistently delivering on Revenue Generation, Profitability, Market Share, and Customer Satisfaction.
- Highly motivated, goal-driven, and detail-oriented professional with strong work ethics, continuous improvement mindset, and commitment to delivering excellence.
Education
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2015-2017
Post Graduate Diploma in Management (PGDM)
SCMS Cochin School of Business, KeralaCGPA 2.8 / 4.0
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2012-2015
Bachelor of Business Administration (BBA Hons.)
Dinabandhu Andrews Institute of Technology and Management, KolkataCGPA : 6.28 / 10
Experience
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June, 2024 – Present
HDFC Bank Limited
Area Head (Manager)Govt. & Institutional (GIB) Solutions, Kolkata
• Leading deployment of Govt. Digital Solutions including Project Monitoring System, e-Tendering, e-Auction, Fund Management, Payroll, Tax Collection & Loan Management Systems.
• Spearheading Smart City Applications and Waste Management Systems across multiple cities for real-time monitoring, payments, and citizen convenience.
• Delivered interactive dashboards for Supply Chain, Fund Tracking & Cash Flow Forecasting.
• Implemented Asset & Lease Rental Management and e-Ticketing platforms to streamline government operations.
• Digitized Land Acquisition processes from identification to compensation disbursement.
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September, 2021 – May, 2024
HDFC Bank Limited
Area Head (Dy. Manager)Govt. & Institutional (GIB) Solutions, Kolkata
• Drove Payment Gateway, POS, UPI & customized CMS/eCMS solutions for Govt. & Institutional clients.
• Enabled challan-based collections (NEFT/RTGS/Cash/Cheque/DD) and integrated digital payment infrastructure.
• Handled NACH, H2H & Disbursement Solutions (CBX, Enet) for high-value transactions.
• Provided cash management solutions for Govt., Education, Societies, Clubs & Trusts.
• Led & mentored a team, ensuring consistent delivery across performance parameters.
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April, 2019 – August, 2021
ICICI Bank Limited
Deputy Manager IICash Management Services (CMS), Kolkata
• Delivered API-based Payment Gateway, Payout & Collection solutions for MSMEs & institutional clients.
• Implemented NACH, eNACH, i-Multipay & Bizpay for disbursements & collections.
• Designed and conducted training programs for teams & clients on Digital Payments & CMS solutions.
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May, 2017 – April, 2019
ICICI Bank Limited
Deputy Manager ITrade Finance, Delhi
• Managed end-to-end Trade Finance operations including Import/Export LC, BG issuance, Bill Discounting & Forex services.
• Handled Capital Account Transactions (FDI, ODI, FC-TRS) ensuring FEMA & AML/KYC compliance.
• Delivered customized banking solutions – CMS, Trade Online, Working Capital & Insurance.
• Achieved 3x growth in trade fee income and doubled CASA book through client acquisition & retention.
• Negotiated FX rates for clients, optimizing revenue while ensuring compliance.
• Maintained Regional MIS, analyzed business indicators & provided inputs for process improvement.
• Trained peers & new joiners in Trade Finance operations.