Tel: (033) 2663-5628 ® Mobile: +91 9233401843, +919674029955, Email: biman_kalpa@rediffmail.com
Seeking middle to senior level positions in Sales & Marketing, Business Development, Channel Management,
Operations, Fraud Control and Collections & Recovery with leading organisations in the Telecom, Automobile,
FMCG, Banking & Financial sectors
PRÉCIS
 A dynamic professional with over 14 years’ rich experience in Strategic Planning, Sales & Marketing, Business
Development, Operations, Collection & Recovery, Fraud Control, Key Account Management and Channel
Management.
 Proven track record of increasing revenues, establishing networks and creating a team work environment to
enhance productivity for reputed business houses while maintaining service standards for business excellence.
 Possess excellent interpersonal, communication and organizational skills with proven abilities in training &
development, customer relationship management and planning.
AREAS OF EXPERTISE
Business Development
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Framing monthly / annual goals, short / long term budgets & developing Business / Operational Plans for the
achievement of these goals. Supervising competitor activities & devising effective counter measures.
Exploring potential business avenues & managing marketing & sales operations for achieving increased
business growth & initiating market development efforts.
Sales & Marketing
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Implementing Marketing Plans with focus on planning for various promotional activities.
Coordinating for launch of New Products in assigned territories; putting in place initiatives to enhance
product visibility and drive volumes.
Driving Sales by executing formulated strategies to augment turnover and achieve desired targets.
Credit Administration
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Appraising credit proposals & scrutinizing relevant documents before sanctioning / disbursing the credit,
ensuring compliance with organizational credit policies.
Managing various credit operations including appraising proposals, conducting risk appetite & scrutinizing
relevant documents before sanctioning loans.
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Collections & Recovery
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Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt of
payments & recovery of bad debts. Implementing collection & recovery strategies in case of payment defaults.
Monitoring post disbursal activities; processing of release letters, NPA, preparation of compromise proposals.
Following up with clients; implementing strategies and sticky accounts to ensure achievement of pre-set
targets. Deciding suitable action plan in case of stressed assets & defaulters.
Channel Management
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Enabling business growth by developing & managing network of Channel Partners across assigned territories
for deeper market penetration & wide reach for achieving business volumes consistently and profitably.
Evolve strategies & activities to achieve desired business objectives & implement recognition campaigns for
enhancing motivation. Guiding and training Partners to accomplish set revenue and business targets.
Relationship Management
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Generating business from the existing and identifying prospective clients from various sectors for achieving
targets. Initiating & developing relationships with key decision makers of the organizations.
Managing customer centric operations and ensuring customer satisfaction by achieving delivery & service
quality norms. Maintaining speedy resolution of queries & grievances to maximise client satisfaction levels.
Ensuring that highest standards are maintained while servicing the clients within minimum turn-around-time.
Team Management
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Leading, mentoring & monitoring the performance of team members, and develop them into a competitive
team to ensure meeting of individual & group targets.
Creating and sustaining a dynamic environment that fosters career development opportunities and motivates
high performance amongst team members.
PROFESSIONAL EXPERIENCE
Lakhotia Motors Privet Ltd.
Head of the Unit (Vehicle Sales, Finance Support & Administration)
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(Authorised vehicle (3S) dealers of AMW Trucks)
Handled sales for vehicles range of HCVs, (Tipper and Transit Mixer & Haulage etc.) covering districts of
Kolkata, Howrah, 24-Parganas (N & S), Bardhaman (Durgapur & Panagar, Asansol, etc), Birbhum,
Murshidabad, Nadia, Malda,
Indusind Bank Ltd.
Manager - BM (ABF) – Siliguri
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Since June’10-Dec’10
(Leave Reason: Personal)
Managing the Loans (CV & CE Loan, Car Loan) and Insurance (General) target for the Branch.
Managing the entire team (Sales, Collection Team). Leading, mentoring & monitoring the performance of
team members, and develop them into a competitive team to ensure meeting of individual & group targets.
Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt
of payments & recovery of bad debts. Implementing collection & recovery strategies in case of payment
defaults.
Follow up with clients; implementing strategies and sticky accounts to ensure achievement of pre-set targets.
Deciding suitable action plan in case of stressed assets & defaulters.
Fullerton India Credit Company Ltd.
Branch Manager (Kolkata, Medinipur)
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Presently
Since Oct’07- May’10
(Leave Reason: Consolidation)
Managing the Loans (Unsecured Loan, CV, Home Loan, LAP) and Insurance (Life & General) target for the
Branch.
Managing the entire team (Sales, Credit and Collection Team). Leading, mentoring & monitoring the
performance of team members, and develop them into a competitive team to ensure meeting of individual &
group targets.
Implementing Marketing Plans with focus on planning for various promotional activities.
Appraising credit proposals & scrutinizing relevant documents before Login, ensuring compliance with
organizational credit policies.
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Performing the functions of assessing creditworthiness of clients and taking adequate steps to ensure receipt
of payments & recovery of bad debts. Implementing collection & recovery strategies in case of payment
defaults.
Follow up with clients; implementing strategies and sticky accounts to ensure achievement of pre-set targets.
Deciding suitable action plan in case of stressed assets & defaulters.
Ensuring that highest standards are maintained while servicing the clients within minimum turn-aroundtime.
Additionally responsible for recruitment, Branch Roll-out etc & reporting to the State Business Head and HR.
CITI Financial Consumer Finance India Ltd. Siliguri (North Bengal)
Asst. Manager - Retail Credit & Risk
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Successfully handled collections for entire North Bengal - Cluster
Responsible for operations (Collection) related work.
Monitoring the collection processes for controlled delinquency.
HDFC Bank Ltd. Siliguri (North Bengal)
Deputy Manager - Retail Credit & Collection
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May’05 - Nov’05
Represented the Siliguri branch (Cluster – North Bengal) for Marketing and operations.
Involved in Direct Marketing as well as developed an efficient & strong DSA Network for marketing.
Introduced various schemes for selling vehicle and made decisions for funding the loans as per profile.
Build relationships with Principal Auto Companies like MARUTI, HYUNDAI, TATA MOTORS, M&M, JCB,
TIL, etc for the profitability of the company.
Coordinated daily follow ups and reminder over telephone, letters/Telegrams for collections.
Mahindra & Mahindra Financial Services Ltd. Malda
Executive Marketing & Operation
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Nov’05 – Jan’07
Played a key role in handling collections (All Buckets) for entire North Bengal cluster.
Successfully developed and sustained 6 agencies to achieve the target.
Responsible for operations.
Develop stock yard and repossess team and also arranged the auctions for sale the repossess vehicle.
Joined the as an Asst. Manager and promoted to Deputy Manager.
Sundaram Finance Ltd. Siliguri
Sr. Executive (Marketing & Operation)
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Feb’07 - Sep’07
(Leave Reason: Consolidation)
Jul’03 - Feb’05
Marketed direct vehicle financing (Tractors, Passenger Cars, 3 WH & Commercial Vehicles), marketing
through dealer’s and DSA covering districts of Malda, Dinajpur (N & S), Murshidabad, Bardhaman
(Durgapur & Panagar), Birbhum & Pakur, Sahebganj & Godda (Jharkhand), and Purnia (Bihar).
Responsible for branch operations encompassing planning, marketing, collections and recovery.
Setting the individual & team targets for marketing, collections & recovery and introduced various schemes
for achievement of those targets.
Actively involved in Daily follow-ups and reminder over telephone, letters/ Telegrams.
Handling direct field collection (Cash & DD/Cheque) as well as daily banking transactions such as deposition
of PDC, collection of PDC’s / dishonoured cheques and bank statements.
Recovery through Repossess Agent or Reposes directly with the help of police or dealer’s people.
SREI International Finance Ltd.,
Executive Trainee
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Jun’01 - Jul’03
Successfully handled finance marketing of Projects, Earth moving Machineries, Cars & other vehicles
covering areas of Malda Dist., Dinajpur (N&S) Dists., Murshidabad Dist., Birbhum Dist., Pakur Dist.
(Jharkhand),
Responsible for establishing & widening of DSA network setup leading to meeting of business objectives.
Build relationships with Principal Auto Companies for the profitability of the company.
PREVIOUS ASSIGNMENTS
Apr’99 - Jun’01
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Siddharth Automobiles Ltd., Malda (W. B)
Sales Manager
(Authorised vehicle dealers of Ashok Leyland, Bajaj, Mahindra & Mahindra, Mercedes Benz)
Handled sales for vehicles range of HCVs, MDVs, LCVs (Leyland Products), LMVs from the house of Mahindra
& Mahindra, Fiat cars, etc. including vehicle finance covering districts of Malda, Murshidabad, Birbhum,
Dinajpur (N & S), Bardhaman (Durgapur & Panagar), Pakur (Jharkhand), Kolkata and 24-Parganas (N & S).
COMPUTER FORTE’
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Operating System, Excel, MsOffice, Word, Windows, etc.
PROFESSIONAL ENHANCEMENT
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P.G Diploma in Marketing Management from Management of Technological Inst. (MTI), Affiliated to AIMTC.
P.G D in Export – Import Management from Management of Technological Inst. (MTI), Affiliated to AIMTC.
Diploma in Computer Application from the Institute Computer Academy, Uttarpara.
ACADEMIA
Graduation from the University of Calcutta
PERSONAL DOSSIER
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Address
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Date Of Birth
:
Linguistic Abilities :
Package (Expected) :
:
37, Motilal Roy Lane, Santinagar, P.O. Bhadrakali, P.S. Uttarpara, DIST. Hoogly,
Kolkata - 712 232. (WB)
24/10/1972
English, Bengali & Hindi.
Negotiable