Gautam Kumar

Results-driven & customer-focused banking professional with 20+ years of experience in Business Banking, High-net Account Relationships, Third-Party Product Sales & Revenue Generation. Adept at recommending strategic investment, SME/ MCG portfolio & wealth management solutions, driving customer success & competitive advantage. 

Chief Manager–Business Banking Specialist, MCG Relationship|Kolkata, India | Apr2015 – Present

• Customizing financial & business banking solutions for the Mid Corporate Group (MCG) & Small Medium Enterprising Group (SMEAG) clientele across the east zone, leading a team of 40 wealth managers. 
• Analyzing working capital & borrowing needs, remittances, and other trade services, streamlining credit operations & disbursement. 
• Onboarding client portfolio worth INR 92 Cr+ through multi-channel synergy across branches, Elite Trade Relations Groups & private banking verticals. 
• Managing end-to-end business banking cluster from lead generation to deal closure, augmenting profitability through strategic CASA mobilization, time deposits, non-home loan/ business lending group/ SMEAG funding & trade remittances.
• Developing a collaborative customer relationship, providing apt solutions to critical issues.
• Strategizing automated SOX control, process check & deviation correction across branches, enhancing compliance & audit scores.

Branch Manager | Kolkata, India| Apr 2010 – Mar 2015

• Strategized the profitability framework, achieving the income targets from assets, liabilities, third-party products & fees. 
• Launched 2 wealth branches and registered 10% growth in overall AUM as one of the best performances in the region.
• Led a cross-functional team of 14 members, driving branch profitability through CASA mobilization & strategic wealth advisory. 
• Executed high-value product transactions, including Portfolio Management Services (PMS), Real Estate Advisory Services, Private Equity Funds, Art Funds & Structured Products for big-ticket clientele. 
• Supervised the assets & liabilities business with 1600+ HNI clients, generating revenue of INR 1.65 Cr per year.
• Achieved 113% new current account target & 143% business loan target via strategic client communication & task prioritization. 
• Enhanced customer satisfaction & retention, maintaining excellent service standards & TAT for grievance management. 
• Mentored 40 new RMs, aligning them with the multi-cultural ecosystem & ensuring 100% score in non-financial parameters.
• Increased employee satisfaction, identifying training needs & growth potential & providing necessary support. 

Senior Relationship Manager| Kolkata, India | Apr2007 – Mar 2010

• Delivered trusted financial advisory, developing & strengthening key account relationships.
• Achieved client satisfaction, tracking & re-balancing investment for optimum performance. 
• Improved client communication & engagement, securing repeat business & revenue gain.
• Resolved complex customer issues, instigating industry best practices & escalation policies.
• Assimilated customer perspectives into CSM projects, achieving customer success & quality. 
• Implemented the customer-first culture, managing critical escalations & retaining customers.Relationship Manager | Kolkata, India | Apr 2005 – Mar 2007
• Handled portfolio management services for high-net-worth clients, selling mutual funds, life insurance & other third-party products. 
• Developed & managed a portfolio of INR 107 Cr individually while steering the team to contribute 32% of the zonal revenue target. 

HSBC Bank

Financial Planning Manager | Kolkata, India | Oct 2004 – Apr 2005

• Managed a portfolio of INR 40 Cr+, consisting of HNI, mid-sized corporate clients & large-cap trusts & NGOs.
• Analyzed retail HNI client needs, advising apt portfolio tactics & cross-selling third-party products to enhance revenue by 120%.

ICICI PRUDENTIAL LIFE INSURANCE CO LTD

Unit Manager | Kolkata, India | Jun 2002 – Sep 2004

• On boarded & motivated a team of 25 financial advisors, enabling 3 advisors to qualify for the Pinnacle Program.
• Sold 428 policies with a total First-year Premium value of INR 97L, acquiring client trust & loyalty. 
• Secured a policy with a premium value of INR 50L& sum assured value of INR 2.5 Cr, ensuring optimum client experience. 

CC IMPEX PVT LTD

Product Manager | New Delhi, India | Jun 2000 – May 2002 

Started the professional career with a then sunrise industry-furniture Industry- CC Impex Pvt Ltd where in Initiated networking with interior designers & architects, driving business acquisition & profitability.

• BLS INSTITUTE OF MANAGEMENT, Ghaziabad, India,MBA: Marketing & Finance, 2000
• HOOGHLY MOHSIN COLLEGE, Chinsurah, WB, India, Bachelor of Commerce, 1997