PAYAL CHATTERJEE
Adelaide,SA
Summary
Dynamic Director oversees every facet of business with strong project management and decision-making skills. Brings comprehensive knowledge on production ,writing, planning and technical operations. Skilled at coordinating production plans and personnel resources to complete work under tight deadlines.
Overview
20
20
years of professional experience
Work History
Open Door Entertainment (P) Ltd
05.2021 - Current
Director
Zenith Finesse India (P) Ltd
01.2021 - 04.2021
- Group CEO
- Heading the entire finance of the Group
- Responsible for leading the team in providing complete financial service and support decision making of the rest of the company
- Analysing proposals which are beneficial for the business
- Creating a team of professionals to oversee and run bisinesses independently
- Creating traction across businesses
- Determining and coordinating with the appraisal process of the team members
- Driving the recruitment process by coordinating with the senior Management
- Promote value for money initiatives
- Create , review and update financial strategy for the Group
- Provide fiancial advice to the Board & facilitate the decision making process
- Build partnerships and relationships with key agencies ,both within and outside organisation , to enable effective delivery of service
- Review and implement policies and precedures, develop systems to support implementation process
- Manage the team to ensure the work priorities are met and the team is encouraged to develop the team to their full potential
- Improve standards to ensure issues raised by regulators and auditors are considered , responded and dealt within agreed time scale
- Generating all the revenue reports as per Investor requirements (at regional & functional level) including target & variance notifications
- Intense grasp of line of business with in-depth knowledge of all the business
- Possess exposure to formulate budgets/estimates to determine difference between projected & actual results and suggest corrective actions feedback to top management on financial performance viz
- Profitability, business expansion & client satisfaction
- Supervising the preparation of Management reports and other statements to provide feedback to top management on financial performance on a weekly basis & with monthly closure revenue reports
- Handling Executive Committee & Audit Committee Issues.
Associate Vice President
Kotak Mahindra Bank Ltd
01.2010 - 12.2010
- Functional Designation - Regional Head - Mortgages ( Home Loans & Mortgages) for East
- Responsible for lauch of Mortgages business in Kolkata including Home Loans & Loans against Properties –
- Setting up of the entire distribution and channel network ; customer segmentation; project evaluation, risk & appraisal
- Effectively manage budgets within business units including budget profiling and monitoring
- Complying with CSI(Customer Satisfaction Index) by driving highest standards of service quality
- Credit Appraisal and Risk Assessment for the LAP & Home Loan proposals as I had independent credit authority for evaluating cases.
Associate Vice President
04.2007 - 01.2010
- Functional Designation - Regional Head - East of Business Loans (SME), Overdraft and FCCR (Facility against Credit Card Receivables)
- Job Responsibilities
- Heading Credit, Marketing vertical for entire Eastern India of SME Business Loans portfolio, which includes Kolkata, Siliguri & Raipur
- Managing team of total 31 members - 1 State Marketing Heads, 1 State Credit Head (CA), 1 State Portfolio Head, 13 Relationship Managers, 4 Credit Managers (3 being CA)
- Responsible for PBT of the region by maintaining correct IRR & spread ;
- Identifying new markets(locations) and develop business strategies for having significant market share
- Credit Appraisal & Risk Assessment of high ticket SME cases – Business Loans
- Responsible for productivity of all verticals across business – Marketing & Credit
Area Head
05.2006 - 03.2007
- West Bengal , Business Loans & Personal Loans
- Heading Credit, Marketing for entire West Bengal for SME Business Loans portfolio
- Managing team of total 10 members - 1 Location Credit Head (CA), 7 Relationship Managers, 2 Credit Managers (CA’s)
- Credit Appraisal of high ticket SME cases
Credit Head
09.2005 - 04.2006
- Kolkata of SME Business Loans
- Current Responsibilities
- Heading Credit for entire Kolkata for SME Business Loans portfolio
- Personal discussion with customers to understand business process and to resolve financial and other business queries
- Constant Review and Analysis of the portfolio to minimize delinquency
- Impart training to the various support function teams and agencies regularly
- Achievements
- Promoted to State Head within 9 months of joining
- Only Regional Head of the business who is responsible for both credit and sales verticals
- Achievement always exceeded budgeted volume throughout in KMBL
- Received “Outstanding Performance” &”Above Expectations” during 2 appraisals cycles
- Awarded with best managed location pan India in terms of TAT, Credit Underwriting knowledge, delinquency & achievement % of budget
- Turned around the Raipur branch figures post taking charge from Apr 07 onwards
- Increased productivity by more than 100% in 5 months time.
Kotak Mahindra Old Mutual Life Insurance Company Limited
06.2003 - 07.2005
Manager - Sales
01.2003 - 01.2004
- Creating Value and Volume sales for the Organization
- Recruiting and managing team of productive Life Advisors
- Creating and Managing Channel partners
- Channelising team efforts to bring out the best results
- Achievements
- Ranked amongst one of the top performing Management Trainee in the year,
- Over-achieved the yearly target by 3 times
- Awarded the “Star of the Month” & “Star of the Region” (which includes East, North-East & South India) for the month of August 2004
- Ranked amongst top 10 Sales Manager for consecutive 3 months from June to September 2004
- Ranked amongst Top 15 Sales Manager in the Organization across the country
- Received “Outstanding Performance” rating for two consecutive years in a row.
Education
Degree -
Symbiosis Centre for Management and Human Resource Development
Post Graduate Diploma - Management Finance & Marketing
Calcutta University
2003
Masters - Economics Economics
2000
Skills
- Marketing Activities Management
- Production Financing Arrangements
- Production Processes
- Rules and Regulations
Additional Information
- P&L, Business Development, Strategic Account Management , Business Strategy, Marketing & Product Development. Key strengths includes strategic mindset along with entrepreneurial approach, teamed with an analytical bent of mind. Key Skills Profile Summary Profile Summary Have handled senior roles across Retail & SME Banking including strategy function for a large MNC bank. Worked on acquisition of businesses and responsible for two large private equity investments in the firm. Skilled in enterprise sales, consultative selling and developing relationship with key decision makers. Expertise in managing operations in large business environment, formulating and implementing business strategies, identifying & stabilising new markets, expanding distribution network, channel management for maximising sales and profits. Proven skills in breaking new avenues & driving revenue growth and proactively conducting opportunity analysis by keeping abreast of market trends, competitor moves to achieve market share metrics. Adept at devising & implementing pre & post marketing activities for successful launch of new products. Skilled in assessing risk of service & product launches and managing the same. Strong communication, collaboration & team building skills with proven success resulting in several awards for exceptional performance
Timeline
Open Door Entertainment (P) Ltd
05.2021 - Current
Director
Zenith Finesse India (P) Ltd
01.2021 - 04.2021
Associate Vice President
Kotak Mahindra Bank Ltd
01.2010 - 12.2010
Associate Vice President
04.2007 - 01.2010
Area Head
05.2006 - 03.2007
Credit Head
09.2005 - 04.2006
Kotak Mahindra Old Mutual Life Insurance Company Limited
06.2003 - 07.2005
Manager - Sales
01.2003 - 01.2004
Degree -
Symbiosis Centre for Management and Human Resource Development
Post Graduate Diploma - Management Finance & Marketing
Calcutta University
Masters - Economics Economics
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