Account Manager
Gleam Business Private Limited
Total years of experience :24 years, 1 Months
• Handling a team of 10+ professionals for complying commercial operations for the group companies.
• Achieved incremental annual operating income growth of 300% in FY23 through systematic management.
• Driving team in sync with management directives towards a goal of achieving group annual sales turnover of ₹ 750.00 Crs for FY24.
• Handling multi-currency accounting, GST reconciliation, timely submission of periodical returns, audit, GST refunds processing.
• Managing reconciliation and settlements of account payables and receivables; vendor management and payments.
• Reviewing Sales Contracts, Purchase Orders, Pricing and Profitability.
• Executed E-invoicing processes for Export & Domestic Sales.
• Finalization of periodical accounts and tax returns, transfer pricing.
• Set up Standard Operating Procedure (SOP) for the group companies.
• Prepared documentation of financials, AOP, projections and reports for availing of with new Bank Working Capital facilities.
• Handling TDS processes, TCS reconciliation, payments and returns.
• Monitoring EBRC, Regularisation, Duty Drawback and RODTEP.
Amritdhara Overseas Pvt Ltd (Jay Baba Group), Kolkata, West Bengal
• Administered financial aspects of export sales contracts, application of PCFC loans, monitored contractual payments terms.
• Managed over 10 foreign buyers and brokers towards realisation of outstanding FCY receivables.
• Timely submission of disposal instructions on receipt of foreign inward remittances and ensured minimised interest costs.
• Managed Fx Hedge deals booked under "Contracted Exposure" for group companies through monitoring of spot and forward rates.
• Execution in timely utilisation and rollover of outstanding Fx Contracts, in case of re-scheduled shipments, resulted in realised or notional profits.
• Tracked insurance activities (CIF shipments), liaison with insurance companies, CHA and surveyors. Reviewed joint inspection report for early salvage process and claim settlement.
• Supervised employees by researching and interpreting accounting policies; applied observations and recommendations to operational issues.
• Established and enforced internal controls, workflows and policies for tracking, reconciling and reporting on accounting activities.
• Managed vendor payments, brokerage commissions, ocean freight payments, foreign outward remittances, other disbursements with accuracy and compliance, ensured vendor and broker satisfaction.
• Accounting and reconciliation of receivables and payables.
Worked as Senior Accountant & Finance Executive for M/s. Pasari Paints, one of the leading distributor cum dealer in India, dealing in all kinds of Industrial & Decorative Paints & Primers, Thinners, Lacquers, Chemicals, Abrasives & Adhesives.
Industry: Paints, Coatings & Lacquer
Their group company is also engaged into manufacturing of Cosmetics products.
Key responsibilities include Business management, Operations & Finance:
• Successfully performed in ₹ 6.00 Cr project sales management, annual business targets and scheduled goals resulting in around 75% YoY growth in Net Profit.
• Handled General Administration, Commercial Operations, Complete GST Accounting and GST Annual Returns, Cash Flow Management, Settlements, Finalization of accounts and returns.
• Developed clear understanding of key business drivers, analyze key financial metrics, provide value add analysis, support to Supply chain, Customer Service, Finance Management & Logistics.
• Worked for sourcing, negotiating price and T&C, convert leads/inquiries into business prospects.
• Handled complex adhoc requests with short turnaround time and supplemented such requests with appropriate analysis and comments to support decision making.
• Led, Participated and Drove standardization for process efficiency.
• Sourcing business orders through pricing, negotiation of rates and other T&Cs.
• Reviewed logistics - Looking after supply chain and logistics from suppliers to the contractors, traders, customers, project sites and our retail branch counter.
• Supervising Customer Loyalty Programme - Ensure that new clients grow into a loyal customer base through implementing various loyalty programmes.
• Reviewing debtors and creditors (receivables and payables), remittances, settlements and reconciliation.
• Participation in Buyers’ Online Auction and bidding process (SAP Ariba) for high end customers ensuring procurement of profitable orders.
After undergoing three months of rehabilitative therapy, I recovered my lost mobility and was cleared by my doctor for employment.
Started working as a Business Management Consultant for a known start up in Kolkata dealing in real estate business.
Completed following professional learning programme to enhance my skills in Finance, Taxation, ERP, GST and completed new foreign language Arabic (Jr).
Eager for an opportunity to once again channel my talents and skills in a productive way, with having confidence that I could provide tremendous value to the organisation.
Work experience as 'Branch Head' (Senior Manager).
Key job responsibilities encompassing taking charge of a retail branch in Dhupguri, Siliguri location are as under:
• Successfully managed ₹ 210.0 mn retail branch book-size and achieved the business targets, profitability and scheduled goals related to audit parameters.
• Managed team size of more than 50 colleagues and delivered exceptional customer service, TAT, process adherence resulting in safekeeping bank’s reputation.
• Developed catchment harnessing techniques in a semi-urban market and implemented new marketing and sales plans and executed the strategy through Annual Operating Plans.
• Dealt with large business ticket size through acquiring key government relationships, Dhupguri Municipality, BDO and Defence Institution Relationships.
• Regular customer engagement through regular visits and segment-wise inbound and outbound activities and created awareness products, services, tax planners and digital initiatives.
• Promoted all lending services offered by the bank. Loan book size qualitatively increased by ₹ 80.0 mn.
• Review and analysis of numbers and quality of leads generated, closed & rejected.
• Activated specialised desk services: Gold Loan appraisal, sanction & disbursement resulted in 12% of Branch Fee Income.
• Reviewed constantly the customer feedback and suggested ways to improve the processes and customer service levels. Customer satisfaction level scores enhanced from 73% to 98%.
• Focused on Branch Profitability and ensured MoM positive contribution through income generated by incremental CASA, Deposits and revenue generation (non-interest products). Adopted cost control measures.
• Ensured quality accounts sourcing and compliance of previous audit observations.
• Monitored transactions and reviewed periodical reports.
• Internal & Regulatory Reporting, Operational Risk Management, Control & Mitigation.
I left my position at HDFC Bank Limited after an accident that left me unable to fulfill my duties.
My responsibilities included improvement of retail banking processes through continuous training programmes and audit, ensuring building up of compliance culture for 18 branches.
• Ensured 100% compliance process adherence and nil operational error.
• Ensured quality sourcing of new relationships and performing checks on existing relationships through performing Customer Due Diligence (CDD) & Enhanced Due Diligence (EDD), Customer Point Verification, AML Checks and filing STR. Submission monthly compliance report to Business Head.
• Planned and performed Regional Audit projects in line with Internal Audit Plan incl. presenting key audit findings, risk areas and follow up on the implementation of agreed action plans.
• Performed internal audit procedures including understanding organization objectives, structure, policies, processes, internal controls and external regulations.
• Reviewed processes in place to ensure compliance with legal and regulatory requirements, code of conduct and policies/procedures.
• Performed SOX Walkthrough, Test of controls and process audits.
• Conducted training on KYC, AML, CDD, EDD review, Account Sourcing to prevent sourcing lapse and increase Audit Score for the region.
• Assessed risks and internal controls within the audited area, identifying process weaknesses and inefficiencies and operational issues.
• Evaluate risks and controls and prepare risk and control matrix, periodical reports and presentations for IAD/ZRM/Business Head/SM review.
• Effectively communicated Re - KYC processes and strategies to branch banking leadership team and employees.
• Continuous follow up with process owners to ensure implementation of audit recommendations.
• Maintained positive and cordial working relationships between branches and other departments.
• Created awareness of operational risk parameters through regular training sessions and by percolating relevant circulars.
• Conducted Evaluation Test for all employees.
Successfully managed 4 retail flagship branches, average GL Size amount ₹ 3.50 bn.
Contributed towards 25% YoY growth in branch book size & 100% achievement in revenue generation (non-interest income products).
Responsible for overall growth in branch book size, profitability and business parameters including CASA, Deposits, Third Party Fee Income, Loans & Advances, Credit Cards along with all operational parameters, customer service, audit & compliance, digital banking, learning and people management.
Focus on branch profitability by meeting regular business parameters through customer satisfaction and process in place.
Managed sales & business development, catchment harnessing, leads management, closure, quality sourcing.
Ensured capitalisation of catchment area by organising household and commercial activities, road shows, workshops, for promotion of bank brand, products, services to all key stakeholders. Quality lead generation & closure.
Successfully managed 2 retail flagship branches in Kolkata-Ballygunge (GL Size more than ₹ 3.50 bn) & Patna-Bihar locations (GL Size more than ₹ 5.00 bn) as Assistant Manager.
Excelled in retail branch operations, sales & cross-sell, customer service, audit & compliance, locker management, digital migration, Five - S compliance, learning and people management.
Adhered to laid-down processes, ensured excellence in audit parameters.
Ensured quality sourcing for all CASA & non-CASA relationships.
Branch Management, Look & Feel, Customer-oriented visibility.
Training of employees through learning sessions and programmes.
Pivotal in successful launch of a retail banking branch in Bhagalpur, Bihar.
Managed the following area during my tenure
with Arun Trading Co, Kolkata, West Bengal
• Executed export operations of embroidered and silk fabrics products, ensured compliance with company’s processes, FEMA guidelines and EXIM policies.
• Performed duties related to Export Banking operations, export documentation, ECGC, Customs, licensing and logistics activities.
• In-house development of overseas market through promotional communications and presentations.
• Prepared documentation for availing of with Bank Finance facilities
• Worked in Internal Audit operations during finalization of accounts
Completed full time programme and certification. Software used: Tally ERP 9
Full time Arabic Language programme
Completed Diploma in Export Management from Indian Institute of Export Management, Bangalore (The institution is the member of "Federation of Indian Chambers of Commerce & Industry, New Delhi" Distance Learning Programme Duration: Six Months Programme curriculum: Export Documentation, Export Marketing, Export Finance, Shipping & Packaging
Completed GNIIT Programme - Title of Systems Management, a full time Post Graduation programme with certification. Programme included Computer Applications, Systems Management, Database Management, MS Office, Programming, Net-centric curriculum, Quality Management Programme, Multiple Operating System.
Graduation: Bachelors Degree (Honours) in Commerce - 3 years' Full Time Degree Programme Accountancy as Honours Specialisation Major subjects included: Business Economics Costing & Taxation Business Management Business Mathematics & Statistics (Advanced level) Accounting Theory & Management Accountancy Higher Accountancy Auditing
Higher Secondary in Commerce Stream Class XII West Bengal Council of Higher Secondary Education