This document contains the resume of Bappaditya Ray. It summarizes his professional experience in banking spanning over 15 years, including roles as Associate Vice President and Branch Head at Janalakshmi Financial Services and Senior Manager and Branch Head at Axis Bank. It also lists his educational qualifications and contact details. His experience includes responsibilities like business development, operations management, customer relationship management, and training junior staff.

1. BAPPADITYA RAY
Address: 7/1 Hospital Road , 1st
Lane ,
Krishnakripa Apartments ,
1st Floor , Flat No : A & B
Kolkata – 700 078.
Phone: 24840534 ®, 98303 34729.
Email:aditya_ray2002@yahoo.co.in
Date of Birth: September 4, 1978
Driving Licence No: WB-20-093911
Passport No : M 5696339
EXECUTIVE SUMMARY
 A dynamic professional with more than 15 years of experience in the domain of Banking in
the areas of Day to day operations, Business Development, Client Relationship and Team
Management , MIS reporting .
 Hands on experience in team handling, charting out sales strategies for contributing towards
enhancing business volumes & growth and achieving revenue and profitability norms.
 Competent in implementing effective solutions to the customer needs, with an aim to improve
customer contentment and consequently customer loyalty, repeat and referral business.
 An effective communicator with good presentation, negotiation, relationship and leadership
skills.
 Hands on experience in daily Microfinance Business Sales & Collections
CAREER OBJECTIVE
• Systematic growth of career in banking industry.
• Assuring 100% customer satisfaction and commitment.
• Optimal allocation of time for achieving time-oriented jobs.
• Adherence to all the latest complaint banking practices
WORK EXPERIENCE
Designation: Associate Vice President & Branch Head – Kolkata Main Branch
Janalakshmi Financial Services Ltd ( Proposed Jana Bank )
Job Responsibility: From 02nd
March 2016 till date
Operations :-
• Contintiously monitoring the areas of High Risk
• Monitoring of cash related reports & registers .
• Adherence & maintenance of strict discipline & timelines.
• Surprise verification of Cash
• Checking of office account related reports
• Due diligence of SME/Microfinanc related advances & KYC for onboarding of new
relationships.
• Monitoring of locker operations closely .
• Personal monitoring so that there is no serious gross violations in cash inventories & other
branch head daily drill related activities .

2. Business :-
• Driving the Branch Sales,operation’s & RM channel retail CASA/IPG/RAC/SME & other
business products.
• Segmental review of Branch Sales Manager , Operations Head & RM Bi-weekly & reviewing
the performance of nonperformers weekly & try to motivate them .
• Meeting & maintaining high quality relationship with the Top 100 HNI relationships
segmentwise & act as RM for those customers.
• Meeting & Maintaining quality relationship with IAS Officers, Sr Army Officials & IPS officers
for scope of garnering avenues of Government Business.
• Meeting & maintaining quality relationships with the Hi value TASC customers of the Branch
Training & Development :-
• Train & equip and enable Front Desk Officers as it takes 3-6 months to start contributing to
business .
• Add on to the Orientation provided after onboarding .
• Provide clarity on all Lead Management processes & enablers
• Provide a uniform training to all officers on the business front & sales front.
• Make the sales team & FDO’S aware about the Numerous process Changes getting effected at
the Bank.
WORK EXPERIENCE
Designation: Senior Manager & Branch Head ( Park Street Branch – Kolkata Circle)
AXIS BANK LIMITED.
Job Responsibility: From 27th
March 2015 till 20th
February 2016 .
Operations :-
• Contintiously monitoring the areas of High Risk
• Monitoring of cash related reports & registers .
• Adherence & maintenance of strict discipline & timelines.
• Surprise verification of Cash
• Checking of office account related reports
• Due diligence of SME advances & KYC for onboarding of new relationships.
• Monitoring of locker operations closely .
• Personal monitoring so that there is no serious gross violations in cash inventories & other
branch head daily drill related activities .
Business :-
• Driving the Branch Sales,operation’s & RM channel retail CASA/IPG/RAC/SME & other
business products.
• Segmental review of Branch Sales Manager , Operations Head & RM Bi-weekly & reviewing
the performance of nonperformers weekly & try to motivate them .
• Meeting & maintaining high quality relationship with the Top 100 HNI relationships
segmentwise & act as RM for those customers.
• Meeting & Maintaining quality relationship with IAS Officers, Sr Army Officials & IPS officers
for scope of garnering avenues of Government Business.
• Meeting & maintaining quality relationships with the Hi value customers of the Branch .

3. Business :-
• Driving the Branch Sales , Operation’s , RM channel & MFI teams .
• Segmental review of Branch Sales Manager , Operations Head & RM Bi-weekly & reviewing
the performance of nonperformers weekly & try to motivate them .
• Meeting & maintaining high quality relationship with the Top 100 HNI relationships
segmentwise & act as RM myself for those customers.
• Meeting & Maintaining quality relationship with IAS Officers, Sr Army Officials & IPS officers
for scope of garnering avenues of Government Business.
Training & Development :-
• Train & equip and enable Front Desk & sales staff .
• Add on to the Orientation provided after onboarding .
• Provide clarity on all Lead Management processes & enablers
• Provide a uniform training to all officers on the business front & sales front.
• Make the sales team & FDO’S aware about the Numerous process Changes getting effected at
the Bank.
WORK EXPERIENCE
Designation: Senior Manager & BSM (Prince Anwar Shah Road – Kolkata Category A
Branch – Kolkata Circle)
AXIS BANK LIMITED.
Job Responsibility: From 2nd
July 2012 to 26th
March 2015
• Driving the Branch sales channel retail CASA/PIP/RAC & other business products.
• Handling all retail CASA product segment budgets of the branch including Cross sale & forex
business.
• Meeting & maintaining high quality relationship with the Top 200 Existing relationships
Priority/Wealth segment & deepening them for more business.
• Meeting & Maintaining high quality relationship with the Government Business , Defense
Business Relationships of the Branch .
• Grooming & product training of Relationship Managers , Business Development Executives &
Product Champions Operations FDO’S.
Designation: Senior Manager & BSM (Shillong Main Branch –Meghalaya Category B
Branch ) & N.E. Circle Sales Process Trainer for Front Desk Ofiicers & Sales Channel for
Entire North East Guwahati Circle from Feb 2010.
Job Responsibility: From 1st
February 2011 to June 29th
2012
• Driving the Branch sales channel retail CASA & PIP business .
• Handling all retail CASA product segment budgets of the branch including Cross sale & forex
business.
• Meeting & maintaining high quality relationship with the State Government , Armed & Air
force relationships of the Branch .
• Grooming & product training of Relationship Managers , Business Development Executives &
Product Champions Operations team.
• Pioneering & leading the sales team for new acquisitions.
• Quality co-ordination with operations staff enabling quality level service.

4. • Maintaining good relationship with hi-net worth customers & organizations.
• Identification of potential ATM sites & also making the same profitable if ATM is installed.
• Giving product presentations for acquisition to IAS officers , Army & Air force Unit
Commanding Officers for acquiring high value Government & Defense Business.
Additional Responsibility : North East Circle Sales Process Trainer Assignment :
• Train & equip and enable Front Desk Officers
as it takes 3-6 months to start contributing to business .
• Add on to the Orientation provided at the branches with a standardized training across all
branches & sales forces.
• Provide clarity on all Lead Management processes & enablers
• Provide a uniform training to all front desk officers on the business front & sales front.
• Make the sales team & FDO’S aware about the Numerous process Changes getting
effected at the Bank.
Designation: Cluster Manager - Corporate Salary Group (CSG)
Grade : Senior Manager
Job Responsibility: From April 2007 to Feb 2010
• Reporting to Head Corporate Salary Group – Eastern Region.
• Handling salary product segment budgets of South Kolkata Branches including Kolkata Main
Branch.
• Close liaison in process of joint calls with SME/Mid-Corporate / Large Corporate & / RAC
Teams to crack new tie-ups.
• Giving product presentations for acquisition & retention of Salary Business.
• Allocating budgets to the cluster business development executives & relationship managers.
• Product MIS Reporting to Circle Prime Business Head Kolkata Region & Product Head – C.O
.
• Implementation of sales/operations & marketing strategies to streamline time oriented jobs &
also enhance quality level of channel delivery .
• Grooming & product training of Relationship Managers , Business Development Executives &
Product Champions ( Branch Official)
• Involving branch channel into business ownership by making joint calls with Branch Sales
manager, Branch Retail Head & Branch Head .
• Meeting & maintaining high quality relationship with the Top 50 Existing Salary relationships
of my portfolio.
Achievements New to Bank Business:
• Pioneering Salary Tie up with ITC Ltd , M.N.Dastur Business Technologies Ltd , Nightangle
Hospital Ltd., NKID Ltd , Sri Sikshayatan Foundation ,Usha Martin Solutions Ltd ,Barau
Veritas Ltd.
Achievements Existing to Bank Business:
• Enhancing salary relationship & ensuring lion share of business in empanelled & mandate
relationships e.g. Mcnally Bharat Group,Srei Group,Bengal Shrachi Group,Usha martin
group,Hindutan Unilever Ltd , United Conveyer Corporation,Flakt India Ltd ,Metro Railway,
Central Excise etc.
• Have been awarded the best cluster head salary ETB/NTB channel for the year 2010 .
Past Job Responsibility:
Designation: Regional Manager TASC(Trust/Association/Society & Clubs)
• Handling institutional savings account segment for Kolkata Region.

5. • Training TASC product / Savings segment Govt accounts & FCRA account during new joinee
induction programmes at Axis Bank .
• Driving the branch channel business for trust segment involving Branch Head / Branch Sales
Manager in hi potential trust calls.
• Data mining for hi potential Trust/Association/Society & Club accounts.
• Driving direct sales channel responsible for sourcing of Trust Accounts.
• Training of KYC norms to the direct sales channel business development executives to
safeguard them from fraudulent documents & also teach them correct documentation.
• Giving product presentations for acquisition of Govt accounts under saving bank category to
IAS / IRS & IRAS officers .
Achievements :
Selected best Regional TASC coordinator for the year 2007 & received award from CMD
Axis Bank Dr P.J.Nayak .
Past Job Responsibility:
Designation: Branch Sales Officer Tollygunge Branch ( Category B Branch .)
• Driving the branch sales channel retail CASA & PIP business .
• Pioneering & leading the sales team for new acquisitions.
• Quality co-ordination with operations staff enabling quality level service.
• Maintaining good relationship with hi-networth customers & organizations.
• Identification of potential ATM sites & also making the same profitable if ATM is installed.
Past Job Responsibility:
Designation: Executive - Branch Operations
• Have operatecd in FDO position.
• Have operated in Cash & TD desk.
• Have operated as service manager for priority banking customers.
Global Trust Bank Limited
(October 2002 till May 2004)
Designation:
Marketing Executive – Business Development & Sales Planning
Job Responsibility:
• Reporting to Regional Head – Sales Channel.
• Handling of H.N.I customers both retail & institutional segment for large value fixed
deposits & generation of CASA.
• Achievement of quarterly sales targets assigned to my team.
• Monitoring of calls made by tele sales team to big Corporate Houses for Corporate
Deposits and passing the leads to marketing officers.
• Supervising marketing team for campaigns for the newly opened A.T.M outlets of the
bank.
• Ensuring 100% customer satisfaction in co – ordination with branch operations team.
TATA INFOMEDIA LTD
(March 2002 to September 2002)
Designation:
Executive – Publications. ( Tata Press Yellow Pages & Overdrive Magazine)

6. • Selling space and booking advertisements from target market segments directly &
through intermidiete channel partners.
• Interaction & push selling to media agencies.
• Developing & maintaining long term business relationships with clients.
Achievements:
• In a short tenure of 7 (seven) months have always achieved monthly targets assigned to me.
LANGUAGES KNOWN
English, Bengali, Hindi, (Can understand Assamese)
ACADEMIC QUALIFICATIONS
• PG Degree : Passed Masters of Business Administration degree course with
specialization in Finance and Marketing from Sikim Manipal University in the year 2005
obtaining first class marks.
• PG Diploma : Passed Diploma in Information Technology from Sikkim Manipal University
in the year 2003 obtaining first class marks.
• Have completed certificate courses in C,C++, Java,Oracle,Visual Basic from CMC Computers
Limited ,Kolkata.
• Passed Bachelors of Commerce ( Final ) Examination from Calcutta University in the year
2000 from Heramba Chandra College, Kolkata.
• Passed Higher Secondary Examination ( Class 12) in the year 1997 of the West Bengal
Board of Higher Secondary Education from M.G.R.A Boys Academy Kolkata.
• Passed Madhyamik (Secondary Class 10 ) Examination in the year 1995 of the West
Bengal Board of Secondary Education from Patha Bhavan High School, Kolkata.

7. • Selling space and booking advertisements from target market segments directly &
through intermidiete channel partners.
• Interaction & push selling to media agencies.
• Developing & maintaining long term business relationships with clients.
Achievements:
• In a short tenure of 7 (seven) months have always achieved monthly targets assigned to me.
LANGUAGES KNOWN
English, Bengali, Hindi, (Can understand Assamese)
ACADEMIC QUALIFICATIONS
• PG Degree : Passed Masters of Business Administration degree course with
specialization in Finance and Marketing from Sikim Manipal University in the year 2005
obtaining first class marks.
• PG Diploma : Passed Diploma in Information Technology from Sikkim Manipal University
in the year 2003 obtaining first class marks.
• Have completed certificate courses in C,C++, Java,Oracle,Visual Basic from CMC Computers
Limited ,Kolkata.
• Passed Bachelors of Commerce ( Final ) Examination from Calcutta University in the year
2000 from Heramba Chandra College, Kolkata.
• Passed Higher Secondary Examination ( Class 12) in the year 1997 of the West Bengal
Board of Higher Secondary Education from M.G.R.A Boys Academy Kolkata.
• Passed Madhyamik (Secondary Class 10 ) Examination in the year 1995 of the West
Bengal Board of Secondary Education from Patha Bhavan High School, Kolkata.