Chandrasekhar Das

Passionate and collaborative leader with data-driven-decision making capabilities; exceptionally well organized with strong experience of working in Retail Banking & NBFC industry that demonstrates self-motivation, creativity & initiative to achieve corporate goals. Result-oriented Professional, with 16+ years of experience in Retail Branch Banking, Preferred Banking, SME & Rural Business Finance with key focus on accomplishing top-line profitability and revenue growth. Currently working with a leading financial services company: L&T Finance; commanding a large team of 147+ Professionals (covering Front-line Executives, Branch Managers & Territory Managers) across 21 branches for managing Micro Loans and Micro LAP portfolio.

Prior experience in providing strategic direction towards acquisition of Retail Assets products including various Loan products (Personal Loan, Business Loan, Prime/Micro LAP, Cash Credit, Gold Loan, Auto & TW Loan etc.) from open market and channel partners in HDB and Bandhan Bank. Breadth of expertise lies in acquisition of household, SME & Institutional clients, boosting CASA and TD book, cross-selling of retail asset and third-party products, maximization of fee income & operational excellence in ICICI & HDFC Bank. Insightful professional with proven success in managing HNI portfolios and deepening the wallet in existing book & acquiring new clients.

Key role in leading transformational change across organizational portfolios, delivered cost restructuring and building capability of people and processes. Each assignment provided me ample scope for learning & working with diverse set of people and culture, that has enriched my knowledge and understanding.

Regional Manager - L&T Finance Ltd. - Kolkata

(2019-04)

Growth Path: Joined as Regional Collections Manager and later got elevated to the position of Regional Manager.

• Accountable for scaling Retail Lending portfolio across products: Micro Loans and Micro LAP
• Conducting continuous portfolio assessment to suggest policy interventions to mitigate risk.
• Attaining the defined targets in rural and peri-urban areas with a highly skilled team.
• Minimizing the cost of customer acquisition by leveraging fintech@scale at ground level.
• Steering efforts towards promoting the digital products/solutions and increasing the usage.
• Hiring and developing best-in-class teams; monitoring their performance and sharing critical feedback.
• Extending strategic support in evolving an agile culture of trust, empathy & excellence.
• Delivering expert guidance to all the departments including Sales, Operations and Product.
• Documenting reports and updating the senior leadership on progress of goals.
• Fostering a collaborative work environment through clear and effective communication.

Branch Manager - HDB Financial Services Ltd. - Rourkela

(2018-08 - 2019-04)

• Managed the sales volume for Retail Asset products to Household and SME clients such as Personal Loan, Business Loan, Prime LAP, Gold Loans, TW Loan, Auto Loan etc.
• Played a decisive role in managing underwriting to meet the sales targets while controlling delinquencies and frauds.
• Showcased excellence in managing TATs on Credit and Processing; minimized the pre & post disbursal discrepancies.
• Formed strong relationship with channel partners for achieving enhanced business and maintain market leadership.
• Made significant contribution towards driving business growth in terms of volume, profitability, expenses and losses.
• Spearheaded a high-performance team of 17 Sales Officers and Managers with key focus on maximizing productivity and retention of the performing resources.

Branch Sales Manager - Bandhan Bank - Puri

(2015-05 - 2018-08)

• Led the acquisition of new retail assets & liabilities clients from household and SME segments through various channels.
• Formulated strategies in coordination with the branch team and conducted sales campaign in the catchment area.
• Fully accountable for end-to-end Retail Asset Product Penetration likes Small Business Loan, Micro LAP, Cash Credit, Personal Loan, Gold Loan, Auto and TW Loan etc.
• Emphasized on acquisition of HNIs from Household, SME and Institutional base to improve the CASA and TD book.
• Increased customer wallet size and ensured higher product holding and cross selling of 3rd party products.
• Provided superior customer service and handled escalations with utmost care and ownership.

Preferred Relationship Manager - HDFC Bank - Rourkela

(2011-06 - 2015-05)

Growth Path: Joined as Personal Banker and got elevated to the position of Preferred Relationship Manager.

• Led the acquisition of HNI customers and up-gradation of existing customers into Preferred Program.
• Core strengths entail wealth advisory and management, revenue maximization, operational leadership and compliance.
• Maintained excellent service standard and ensured healthy growth in CASA, TD book and income product holding.
• Steered efforts towards cross-selling of retail asset products like Business Loan, Prime LAP, Cash Credit, Term Loan, and consumer loans etc. and 3rd party products.

Privilege Banker - ICICI Bank - Thiruvananthapuram

(2008-07 - 2011-06)

Growth Path: Joined as Customer Service Officer and later got elevated to the position of Privilege Banker.

Senior Sales Executive - ICICI Bank - Bhubaneswar

(2006-08 - 2008-01)

Ex MBA - Finance - OP Jindal Global University (2022)

PG Diploma - Banking Operations - Institute of Finance Banking and Insurance Delhi (2008)

Bachelor of Science - Utkal University (2005)