1. PIJUSH KANTI SAHA
Flat No. 1B Block 1 46 A RN DAS ROAD, Dhakuria, Kolkata 700034 West Bengal
Phone: +91-9433270600/+91-9435625791; E-mail: pijush_ssha@yahoo.co.in
SSEENNIIOORR BBAA NNKKIINNGG PPRROOFFEESSSSIIOONNAA LL
 Diligent Professional with experience of 23 years in Banking, Technological upgradation, Financial Planning, Risk
Administration, NPA Management, Regional level Administration (i.e. controlling of 69 branches under the Regional
office), Branch Administration, Credit & Loan Operations, Budgeting, Resource Mobilization, Personnel Management,
Turnaround Initiatives, Relationship Management, Revenue Growth, improving profitability and operational efficiency.
 Skilled in administering banking operations, developing strategic business relationships, promoting banking services/
products and delivering excellent customer service.
 Skilled in branch operations, marketing operations with key emphasis on revenue targets & customer satisfaction and
capitalize on market trends, creating value & position the Bank’s products & services to maximize market share
 Adept at managing credit control operations across large customer bases, team leadership and management skills.
Streamlining various Loan & Advances Operations with key focus on bottom line profitability
 Demonstrated track record of consistently combining financial leadership with sound business practices to ensure
bottom-line revenues and better, cheaper and faster business for total customer satisfaction.
PROFESSIONAL EXPERIENCE
Nationalized Bank Last Designation Chief Manager
Responsibilities:
 Regional level Administration (i.e. controlling of 69 branches under the Regional office)
 Monitoring branch operations; carrying out business acquisition of corporate key accounts with long term and
sustainable buying potential and maximizing revenue generation. Administering the Branch including target
attainment, developing the business & catering to the banking needs of customers
 Ensuring profitability of the branches by driving sales of deposits and loan.
 Develop and enhance business & carry out seamless marketing activities to achieve the assigned targets
 Establish performance benchmarks across all the divisions of the branch and monitor their performance
 Synergize with internal partners for wealth and risk management
 Incessantly achieve risk management targets and benchmarks (delinquency & process) and effectively implement
measures and strategies for recovery while monitoring the delinquencies and minimizing losses
 Preferred Banking Customers acquisition and relationship management with corporate for repeat business
 Designing and implementing systems, processes and procedures to facilitate smooth functioning of overall operations
and enhance operational efficiency. Identify and rectify anomalies to ensure smooth operations
 Effective utilization of available manpower & implement strategies to ensure excellence in service delivery
 Performance measurement against key success metrics while identifying and mitigating risks, monitoring bank’s
creditability & efficiency; eliminating redundant or inefficient processes without reducing bank's capability
 Responsible for overall lending operations from identifying potential customers, loan appraisal, loan sanction,
documentation formalities and disbursal of loan
 Leading credit administration, follow up, review operational performance & loan review mechanism
 Closely monitoring the repayment of the loans by the customers; overseeing the NPA functions of the bank by
implementing suitable credit recovery processes for minimizing the incidence of bad debt.
 Delegating work to the team members, allocating targets on productivity and quality, monitoring team performance
through timely feedbacks, thereby, ensuring overall team productivity and quality
 Mapping training needs of the team and imparting training for enhancing their efficiency
 Ensuring prompt resolution of employee grievances, maintaining cordial management-employee relations

2.  Resolving customer issues, providing first time resolution, handling escalated issues & maintaining highest standards
of customer service giving preference to customer satisfaction & resolving problems & concerns
 Developing & executing best practices & standard operating procedures targeting at organizational excellence
 Analyzing requirements of clients and suggesting suitable services/ solutions for their portfolio ensuring best returns
 Facilitating technical solutions to head office.
Technical point of view:
Entrusted with the responsibility of:
* Back-end Data Field mapping for successful conversion of the existing Legacy Package (two TBM packages i.e. TCS &
PSI and one ALPM) to CBS (Finacle) Package
* Assisting vendors to construct the Data Extraction Tools and loading of converted data to CBS (Finacle) package &
testing at pilot site
* Managing Core Banking Systems with a customer base of more than 22200000
* Mapping in Migration Process from ALPM, TBM to CBS system
* Business Process Reengineering (BPR), RFP for the implementation of Finacle core banking solution in Bank and
coordinated with Vendors and different departmental functionaries (Head Office ) of the bank
* Customization of international regulatory reports for onward submission to International and domestic Regulatory
Authority
* Conducting training, Workshop, conferences, seminars in retail and trade finance module on core banking solution
environment
* Overseeing structured analysis of operational risk data in relation with the product lines, process flows and the
organizational structure
* Handling overall risk operations involving risk assessment, internal / external rating, as well as monitoring risk for
various branches
* Leading a team of 50 and involved in Implementation of different Applications in Core Banking System Environment
* Offering robust flexible environment for modelling and simulation of operational loss processes critical to timely &
relevant risk measures; implementing updates with respect to regulatory requirements and leading best practice
* Monitoring all types of foreign exchange transactions including Trade Credit, Overseas Investments, Merchant Cover
Operations, Currency Trading, Options and Derivatives
* Ensuring compliance with internal guidelines / RBI / best customer selling practices.
* Conceptualizing and implementing competent strategies with a view to penetrate new accounts and expand existing
ones for a wide range of products / services; maintaining good relationship with HNI and private banking customers
* Ensuring a customer focused approach for quick redressal of queries & complaints at the branch
* Determining training needs of associates and conducting suitable training programmes to enhance their operational
efficiency leading to increased productivity
Key Assignments:
* Migration from Non-CBS Branches to CBS (Finacle) Branches, Implementation of Foreign Trade Finance Module in
Multi-Currency environment of core banking solution (Finacle package)
* Completion of hundred percent (i.e. approximately 2000 branches) mechanization under Core Banking Solution
(FINACLE)
Achievements:
 Led efforts across coordinating different department for implementation of Core Banking Solution (i.e. FINACLE)
 Essayed a stellar role in the:
* Implementation of retail banking through through core banking solution
* Implementation of Trade Finance Module in different Authorised Dealer Branches
* Ensuring coordination between the Authorised Branches & International Banking Dept. of the Bank for
implementation of international trade finance package and Integrated Treasury Management
* Customization of different types of reports in CBS environment
* Integration of the International Trade finance with the back office of international banking division and treasury
department
* Served as Project Leader on the behalf of Bank in International and Domestic Trade Finance module in Finacle-
CBS

3. * Actively imparted training to the officials of Trade Finance Branches and International Banking Division for
smooth functioning of the business through Trade Finance module in Finacle-core banking solution package
* Delivered presentation on Trade Finance and Retail Module in front of different dignitaries and bank officials
 Streamlined and revamped operational procedure to enhance efficiency, eliminate overhead expenses.
 Augmented profitability over previous year niche marketing.
EDUCATION
 Master of Science from Jadavpur University (1990)
 Bachelor of Science (Honours) from Jadavpur University (1987)
 Diploma in Networked Centered Computing (Networked Centered Computing), NIIT, Kolkata (1999)
 Certification from Indian Institute of Bankers
Date of Birth: 20.02.1967
References: Available on request