SUMIT KUMAR NAND

Rairangpur, Odisha • +917008328203 / +919556460066 •

SENIOR MANAGEMENT: RETAIL BANKING/BUSINESS DEVELOPMENT

SNAP SHOT PROFILE

 A dynamic, result oriented AMFI& IRDA Certified professional
domain with specialization in retail branch management, sales, with 12+relationship
client years of proven experience
management in the
and teamfinancial service within
management
the banking sector, having expertise in forging efficient business relations with high value customers and setting up of new
branches.
 Seasoned leader capable of developing and implementing financial and operations control to ensure achievement of the
organization objectives in operational effectiveness & efficiency, reliable financial reporting and compliance with legalities,
regulations and policies.
Comprehensive exposure to handling critical walk in customers, addressing their queries and inquiries with utmost 
professionalism, developed in-depth knowledge of LC/BG, Trade & Forex and played a key role in mapping and analysing business
potential.
 Proficient in ensuring proper implementation of operation processes, taking all the necessary precautionary measures to
monitor sales, control credit.
 A resourceful manager, with demonstrated commitment to build and effectively manage strong teams to ensure achievement
of organization objectives, with adequate planning and organizing abilities.

Career Objective: Targeting a senior role with a renowned organization to apply professional competencies, domain knowledge and
leadership skills, productively mobilize funds and contribute to profits.

AREAS OF EXPERTISE

Branch Business Development & Control • Customer Profiling & Assessment • Profit& Loss Management • Audit & Compliance •
Capital Budgeting & Investment Decisions • Market Analysis & Development • Data Analysis & Forecasting • Focussed & Goal
Oriented • Communication & Inter Personnel Skills • Decision Making & Problem Solving • Coordination & Support

CARRIER
HIGHLIGHT
 Presently working with Bandhan Bank where I have been
associated
professionalism in management of my job functions; having joined withHead.
as Branch 1 Month as recognition for my capabilities and
 Achieved the targets allocated with distinction for the branch,
 cross selling Life Insurance, General Insurance and Mutual Fund
products to ensure fulfillment of the organizational mission and
suggestions to improve customer service delivery & operational efficiency.

OVERVIEW OF KEY EXPERTISE DOMAINS

Strategic Planning
 Analyse big data, competitor activities and market trends to highlight the customer segment to be targeted for product
promotion developing business plans showcasing key product attributes and distinction, deploying resources and setting
benchmark for key deliverables.
 Plan for achievement of short term goals catering to the
immediate needs for market penetration negating competition
the aim to create a base for achieving the long term business objectives.

Business Development
 Acquire new clients targeting potential customer base showcasing the product range to generate incremental business and
develop the new client base to enhance profitability.
 Forge healthy business relations with major clientele imparting premium customer service to ensure total customer satisfaction,
achieving performance parameters delivery and quality norms.
Ensure apt operations management designing effective business enhancement plans and marketing strategies to achieve the 
organizational objectives and goals.
 Project the product range highlighting its strengths and comparing it with the competition with thorough research to executive
innovative business development plans.
 Sales & Marketing
 Undertake market research to ascertain the potential of the product base and competition to design and implement feasible
sales and marketing strategies with the aim to grow sales and overall profitability of the organization.
 Implement team management principles, leading large teams assigning the right person with the right job with regular
appraisals, mentoring and incentivising outstanding achievements.
Strategically design action plan to extract the full market potential, maximise the sales and achieve the allocated targets 
assigned by the management.
 Exploit the public information system building robust personal network to enhance business expansion through networking to
reach out deep within the market.
 Lead techno-commercial negotiations highlighting the product benefits, keeping in mind the organizational benefits to close
high value contracts.

Client Relationship Management

 Achieve delivery of service quality norms to ensure total customer satisfaction putting in place an efficient grievance delivery
mechanism.
 Design policies and procedures for customer management with the aim to deliver enhanced customer delight providing
assistance and guidance to satisfy individual customer needs.
Review and interpret market trends and client feedback to attune the business strategies as per the market and customer 
requirements & expectations.
 Provide prompt customer support to resolve and address grievances and complaints within the shortest time frame as per the
rules and guidelines laid down by the organization.

Operation and Administration

 Manage various banking operation issues related to handling customer queries; demat accounts, cash remittance and clearings
along with marketing and distribution of various financial and retail banking products including Life & Non life Insurance
Products, Mutual Funds and Cards.
 Insure adherence to the KYC Guidelines, resolving compliance
 issues and audit queries, liaising with external and internal
regulatory authorities.
management and effective business transactions.

PROFESSIONAL WORK EXPERIENCE

Designation Chronology:
Company Name: BANDHAN BANK LTD
Designation: Branch HEAD
Duration of Service: 22/06/2023 to PRESENT

Designation Chronology:
Company Name: ICICI BANK LTD
Designation: Branch Manager
Duration of Service: 21/09/2022 to 15/06/2023

Designation Chronology:
Company Name: HDFC BANK LTD
Designation: Personal Banker Authoriser
Duration of Service: 16/01/2017 to 15/09/2022

Company Name: AXIS BANK LTD

Designation: Customer Service Officer
Duration of Service: 16/11/2011 to 14/01/2017

Significant Achievements:
  Received numerous appreciations from management to acknowledge my efforts to achieve the organizational goals and
objectives.
 Secured overall outstanding to good ratings during annual
 appraisals.
 Maintained and enhanced the branch profitability with
the marketing strategies designed by the management. consistence growth in customer base and business turnover.

Key Responsibilities:

 Built a robust business relationship with the existing customer base to retain the customers and promote cross selling of
products to achieve the allocated targets assigned by the management as per the organizational goals and objectives. Supervise
customer relationship management to ensure quick and amicable resolution of complaints and grievances coordinating with
the back office and support function teams in accordance with the organization policies and protocols.
 Monitor, guide and support the inbound and outbound teams to
 facilitate new customer and business acquisitions to enhance
overall branch productivity, turnover and profitability.
management and rendering high quality services to all the customers.
 Execute business and marketing strategies, conduct cross selling of products like Life Insurance, General Insurance and Mutual
Funds to maintain flow of revenue and ensure achievement of the branch targets.
 Initiate optimum market penetration, identifying and creating
 opportunities for revenue enhancement through sales and data
analysis to focus on untapped market segments and territories.
and other industry norms to ensure better management of the branch operations and enhance the overall efficiency.

EDUCATION
Highest Qualification:
Post Graduation Details: PGDBM with Marketing & Finance.
Year of passing: 2009-2011
Campus Name: Visakhapatnam
College/University Name: Integral Institute Of Advanced Management, Visakhapatnam.

Gradution Details:
Graduation Details: Bachelor in Commerce
Specialization: Accountancy
Year of Passing: 2009

HSC Details :
Year of Passing: 2006
SSC Details:
Year of Passing: 2004

IT Skills:
Handling MS Office software including spreadsheet, database and Power Point presentation skills.

TRAININGS, CERTIFICATIONS & WORKSHOPS

Trainings:
Personal Effectiveness Training.
KYC Training, AML Training, Managerial Effectiveness Training, Cash Management Training Conducted by HR Department HDFC
Bank.

Certifications:
AMFI Certified in the year 2017
IRDA Certified in the year 2015
Workshops:
Workshop conducted by HDFC Bank HR .
 PERSONAL INFORMATION

Nationality: Indian
Date of Birth: 21th December, 1988
Language Proficiency: English, Hindi, Odiya
Address: Ward no-03, Rairangpur, Mayurbhanj, Odisha, 757043