1. ANINDYA BISWAS
C/o Utpal Biswas, Ananya Apartments,
Flat B/6, Block- C, 1st Floor,
52 Netaji Subhash Avenue, Serampore
Dist.:-Hooghly, West Bengal. India, PIN 712201
Email: anindya.biswas@rediffmail.com
Official E-mail: - anindya.biswas@axisbank.com
Tel: +919674465678(M)
Career Objective: Seeking assignments in Banking and Finance Industry/Business Development/Client
Servicing/ Product Development/ People management /Process enhancements with a growth-oriented
organization of repute preferably in the Finance and Banking sector.
Career Overview
An experienced professional with over 17 years of experience in Sales & Marketing/Business Development ,
Sales Promotions, People management and Operations / Compliance in the Investment Banking and Core
banking. Currently associated with AXIS Bank Ltd, based at Kolkata. Experience in selling & marketing
banking products. Developed acumen for developing new business & markets and handling different market
segments. An effective communicator with excellent interpersonal & man management skills. Handling core
operations and compliance for last 5 years.
Areas of Exposure
Sales and Marketing
 Managing sales & local marketing activities for promoting Banking Products, Third party products and
achieving business goals and increased sales growth.
 Prepare sales & regional marketing plans for promoting, canvassing various Banking products in
accordance with macro plans of company.
Business Development
 Preparing and implementing sales initiatives to achieve business goals & managing frontline sales team
for achieving the same.
 Drive the sales team as well as the ops team & motivate them to achieve desired targets with overall
responsibility of return on investment (ROI) and exploring marketing avenues to build consumer
preference and drive volumes.
 Driving all elements of the sales mix and constantly developing the capabilities of the Team.
 Tracking and providing feedback on competitor’s activities in my area by systematically collecting and
reporting information on competition.
 Monitoring, announcing & ensuring implementation of all promotional and motivational schemes.
Sales Promotion
 Build and strengthen relationships with key customers, HNIs, Trusts, societies, opinion leaders, thereby
ensuring high customer satisfaction by providing them with complete product support and after sales
service support.
 Organise and conduct insta-booths programmes, awareness programmes, and visibility exercise,
seminars and conferences for the HNW customers and managing them to gat attracted towards the
bank.
 Developing and maintaining close relationship with corporate & HNIs and frequently interacting with
them at the contact point to resolve service related issues & to identify opportunities for improvement.
 To promote product and consumer awareness by organizing activities like sampling, on-premise
promotions, local events etc.
Administration
Had an experience of starting a new branch, service branch and currency chests single headedly in
record time. Taking reporting of the Sales team, Ops team as well as credit team and guided each one of
them to achieve individual KRA’s. Generation of various business and non-business data for strategizing.
Monitoring of branch Operations, compliance and other regulatory issues of large group of branch.
Extensive experience in consistently raising sales and profitability for the branch as well as for a group of

2. branches as a whole.
Operations
I have a long exposure in banking operations, from teller , front desk officer , operations manager of fairly
large branch of IDBI and Axis Bank . I am handling operations and compliance of an entire circle as well
as handling and monitoring of various operations and compliance related activities of a large group of
branches. Currently handling operations and compliance for a large group of branches in the state of
West Bengal and Sikkim , including liaising with RBI and other compliance agencies. My basic job
includes l liaising with various statutory agencies and implementation of various guidelines at the branch
and risk management.
Career Highlights
Axis Bank Ltd, Kolkata May 2015 till date
Retail Banking Operations, West Bengal Circle,
 Taken over the charge of Deputy Head, Retail Banking Operations for the West Bengal Circle including
currency chest and service branch. Overlooking and monitoring the operations and compliance of more
than 100 odd branches in Sikkim and West Bengal and Circle. I am also fulfilling the responsibility RBO
Cluster Head for three clusters in West Bengal Circle. Job responsibility includes monitoring of daily
retail banking operations, compliance, and customer service, compliance levels checking and mitigating
the risk components, training and skill development of the operations team including the operations
head through classroom training, quizzes, offline communication and study material. I also work in close
coordination with the branch/ project team for starting up of a new branch to compliance and on-going
operations of older branches . We also have to handle various customer complaints directly from the
customers or through some complaint management agencies like district consumer forum , district
complaints management as well banking ombudsman . Bimonthly inspection of currency chests,
monitoring and overseeing functioning of service branches, compliance audit , thematic and functional
training . Escalation and resolution of cross functional areas. Checking key risk indicators and risk based
audit of the branches. Handling ATM / BNA operational issues etc.
Axis Bank Ltd, Kolkata August 2013 till May 2015
Corporate Centre Interface - Circle Control Unit, Regional Distribution Head Office, East
Retail Liability Portfolio Initiatives - Successful dissemination and roll out of guidelines, norms,
protocols from the Corporate Centre Departments to the Circles, Clusters and Branches. Providing data/
reports to the Corporate Centre Departments on status reports and clarifications sought. Ensuring higher
service delivery standards from account opening to various service deliveries, including higher customer
penetration and driving customer behaviour as well as employee and customer engagement enhancement
processes.
Business Compliance – Ensuring that the business is done as per the banks laid down guidelines without
compromise , seeking clarification , investigations, wherever required and ensure that the loopholes are
plugged in by suggesting corrective action , realignment in the product and process flow . Providing data/
reports to the Corporate Centre Departments on status reports and clarifications sought through various
data sources Eg. Triggers Mechanism, STR, Window Dressing, NRI-CO, status report and clarification sought
etc.
Compliance - Ensure overall compliance with the observations of the Audit Committee, regulatory
compliance agencies and adherence level with various other internal and external regulations. Audit Related,
Feedbacks of RDH, Certification Guidelines, Audit Committee Directions, and Compliance Guidelines
Audit - Facilitate and ensure closure of Audit reports of branches within TAT and with proper compliance.
Ensuring higher Audit score and operational efficiency for maximum no of branches in coordination with
various support functions. Facilitate closure of Audit reports of branches (open beyond a specified time
window), timely closure of requests, issues, requiring discussions with and approvals from other Corporate
Centre Departments and ensuring compliance with the observations of the Audit Committee.
Retail Banking Operations - To ensure internal housekeeping through reconciliation of office accounts and
adhering to other regulatory compliances and statutory laws. Ensure compliance of KYC and AML norms and

3. scaling up the first time right processes. Timely closure of requests, issues, requiring discussions with and
approvals from other Corporate Centre Departments viz. RBO, I&A, Compliance, CBO etc. Improvement in
Transaction Survey & Customer Delivery Feedback .Monitoring of Bank accounts, Cash balances, office
accounts, KYC / AML, FTR and other such indicative reports.
People Development – Ensuring training programme for different work groups and coordination with them
for successful completion of online knowledge sessions and tests. Facilitate Overall Compliance & Adherence
Levels to ensure Regulatory Compliance and Regulatory Certifications (AMFI, DP, IRDA) and ensuring people
development through these certification drives and other training and people development programmes and
workshops.
Lakshya Drive –This was a new initiative of the bank to implement many process driven initiatives at the
branches which includes enhancement of the TAT of many processes. Implementation and Sustenance
across all Circles under control, monitoring, reporting and adherence levels.
Axis Bank Ltd, Kolkata Feb 2011 till August 2013
Retail Banking Operations, West Bengal Circle,
 Taken over the charge of Deputy Head, Retail Banking Operations for the West Bengal Circle .Taking
care of the operational issues including expenditure approval, write off of fixed assets, and providing
operational support for the branches in the state of West Bengal and Sikkim. Responsible for conducting
structured visit/ compliance audit of the operations of the branches within the Circle. Monitoring Bank
balance , cash balance and outstanding office a/cs and EOD of the branches .Also responsible for the
Compliance of the Statutory Guidelines issued by the internal as well as external agencies like , SEBI ,
RBI , IT ,Labour Enforcement Officer etc .Taking care of banking ombudsman complaint and ensuring
timely closure . Responsible for submitting various reports for the Circle including cash, clearing,
general operations, STRs, frauds and complaints etc. to Controlling offices. Ensuring compliance of
complains and other regulatory compliances within TAT. Investigation of frauds, Setting up of new
branches, Service branch as well as currency chest, while liasoning with various statutory agencies and
RBI .Ensuring service deliveries to retail banking and corporate banking customers. Ensuring KYC
adherence and AML compliances. Assuring better quality and TAT for all the banking related services.
Monitoring of the entire ATM operations. Experienced in setting up of new service branches and currency
chests.
Axis Bank Ltd, Kashipur Sept 2010 till Jan 2011
Branch head
 Took over the charge of Branch head of Kashipur Branch. The Branch was then hit by a fraud and I was
placed there to streamline the operations process and to boost the overall confidence level of the
customers and the general scenario of the branch .Branch have almost overcame the hit of the fraud
and was back to normalcy .
Axis Bank Ltd, Haldwani March 2007 till Sep 2010
Branch head
 Opened the Branch with record no of customers.
 Achieved the Month end / year-end budgets of CASA.
 Launched the Merchant Establishment / EDC business in Haldwani and garnered good EDC business
 Initial temporary parking at Rudrapur Branch, handled the responsibility of operations Manager at
Raudrapur branch for some time.
 Shifted to Haldwani Branch as branch Head in dec 07
 Won several certificates for opening highest numbers of savings a/c in the first year.
 Won a Zonal Contest for highest percentage current a/c deepening.
 Won the General Insurance regional championship twice
 Won the Life Insurance regional championship.
 Won many regional and Zonal Life insurance championship.
 Achieved 100% staff activisation for almost all the products.
 Promoted from Manager to AVP in the first year of branch opening.
IndusInd bank Ltd, Bareilly Jan’2005 till March’2007
Branch Head
 Achieved the Business targets and overachieved deposit targets in FY 2005-06,

4.  Instrumental in launching new products with all required publicity, advertisement and proper sales
promotion
 Distinction of launching various products like Mahila Card resulting in generating of good fee based
income
 Demonstrated excellence in handling various key products such as Mutual Funds, Insurance and have
excelled in the region.
 Sales Planning and forecasting with a strong interface with the actual market conditions.
 Tracking the all Branch Operation Activities and all the service related issues.
 We are working as a Corporate Broker for All Assets Management Companies for the Mutual Fund
Sales. Coordinating the training programs for my staff with the help of different AMCs. Appointed the
separate sales team (Under IBLSS pay roll) for boosting the sales of Mutual funds. Inculcate the habits
of cross selling in the Operations Staffs with the help of giving targets. For motivating the team I have
launched different contest and attractive Incentive Structures with the help of Local AMCs people.
 We also take care of Insurance sales in our branch for Life Insurance as well as general Insurance.
Deputing the FPCs of the Insurance Companies in the Branches and giving appropriate targets to them.
Daily Monitoring of all the executives for increasing the sales of Insurance. Also developing and
maintaining close relationship with corporate & HNIs and frequently interacting with them at the contact
points to identify opportunities for improvement of the sale of Banking Products as well as Mutual Fund,
IPO Funding & Insurance Sales.
IDBI BANK LTD, Kanpur Nov 2001-Jan2005
Customer Sales and Service Manager (Manager Ops)
 Managing Branch as a profit centre as per audit guidelines and keeping with reporting deadlines, and
statutory reports.
 Cross Selling & Deepening existing customer relationships.
 Checking and reconciliation of office accounts, P&L entries, Daily Balance Sheet, Fixed Asset,
Depreciation, Liaison with Audit & compliance of the balancing of Banker cheques/Drafts, Nostro
reconciliation.
 Taking appropriate measures to comply with the internal regulations of the bank, such as minimum
balance Requirement.
 Checking daily reports like daily transaction log, minor Reports, Tod reports, maturity reports, exception
reports etc.
 Authorizers for teller, Supervision OF customer Sales Executives and Teller Services Executives to
ensure that Service delivery is consistent with bank’s Service standards.
 Supervision of ATM / Cash and internal transactions Co Branch Administration and verification of
payments.
 Taking control of Outstation Bills collection and ensue timely realization of the same.
 To Review and Reconcile Branch suspense Accounts on a daily Basis. Monitoring the various branch
Expenses figures
 To handle DEMAT Operations. CMS Operation and ensure service standards for the same.
 Boost up the IPO Funding activity at Branch and have given additional responsibility to credit executives
and De’mat officers for doing funding in Different IPOs, while taking approvals from our higher
authorities for the funding of different issues.
Joined the Bank as Asst manager trainee at Hubli and confirmed as Asst Manager then transferred to Kanpur and
promoted as CSSM at Kanpur Branch
Bajaj Capital Ltd, Agra Apr 2000 - Nov 2001
Branch Manager
 Worked as a Financial Planner with Bajaj capital ltd posted at Kanpur looking after corporate
marketing, grievance handling, reporting and MIS generation and maintenance.
 Selling all types of Mutual Funds, Private Placement Issues, Company Fixed Deposits, Bonds, and
insurance Products etc.
 Reporting to Branch Manager.
 Promoted as Branch Manager in May 2001 in Bajaj Capital Ltd Agra.
 Looked after corporate sales, administration of branch and accounting.
 Holding Sales Promotion Activities like Investor Meets, Seminars, Co presentations with principals.
 Reporting to Regional Manager.
 Achieved 150% of the sales target within 6 Months.
Commenced career with Thermodynamic Sales (A Franchise of Thermax India Ltd), Kanpur as
Sales Engineer from Jan 1999 to Mar 2000.

5. Academic Qualification
2000 PGD in Business Management Dr. Gaur Hari Singhania Institute of
Management & Research Centre, Kanpur
1995 B.Sc Physics Christ Church Degree College, Kanpur
1996 PGD in Sales and marketing Bhartiya Vidya Bhawan, Mumbai
1998 M.Sc. (Organic chemistry) D.A.V. College, Kanpur.
Certification
 Successfully completed a certificate course in Oracle 8.0 with Developer 2000 in the year 1999.
 Have knowledge Of MS-Office, Database Mining, Baking software like, Finacle. Kapiti, CMS soft wares
and other banking related software and applications.
 AMFI, IRDA, NCFM Qualified.
Date of Birth: 09th
Sept 1975

6. Academic Qualification
2000 PGD in Business Management Dr. Gaur Hari Singhania Institute of
Management & Research Centre, Kanpur
1995 B.Sc Physics Christ Church Degree College, Kanpur
1996 PGD in Sales and marketing Bhartiya Vidya Bhawan, Mumbai
1998 M.Sc. (Organic chemistry) D.A.V. College, Kanpur.
Certification
 Successfully completed a certificate course in Oracle 8.0 with Developer 2000 in the year 1999.
 Have knowledge Of MS-Office, Database Mining, Baking software like, Finacle. Kapiti, CMS soft wares
and other banking related software and applications.
 AMFI, IRDA, NCFM Qualified.
Date of Birth: 09th
Sept 1975