Sumit Sengupta

Utkarsh Small Finance Bank

Mar 2025 - Sep 2025 • 0.5 yrs

Led end-to-end operations of 6 bank branches across West bengal & Jharkhand, ensuring achievement of business, compliance, customer service, and profitability objectives Managed a ₹48 Crore loan and liability portfolio with a customer base of 16,000+ active customers across rural and semi-urban markets Drove business growth and financial inclusion initiatives, expanding credit penetration, CASA growth, insurance, and third-party product adoption Monitored and controlled branch-level KPIs, including loan disbursements, collections, recovery eciency, portfolio quality, and branch profitability Reduced Gross NPA by 7% through structured recovery strategies, tighter credit monitoring, early delinquency tracking, and focused review mechanisms Oversaw loan portfolio management, including secured and unsecured lending, repayment behavior analysis, and overdue control Ensured strict adherence to KYC norms, loan documentation standards, credit approval processes, and regulatory guidelines Supervised internal, concurrent, and statutory banking audits, ensuring zero major audit observations and timely closure of audit findings Implemented digital banking initiatives, driving adoption of digital transactions, account services, and system-led operations Strengthened customer service delivery standards, ensuring consistent service quality and grievance resolution across branches Led, mentored, and performance-managed a team of 44 employees, including: 6 Branch Managers, 6 Assistant Branch Managers, 4 Business Operations Managers Conducted regular performance reviews, target alignment sessions, and coaching interventions to improve productivity and accountability Ensured compliance with RBI guidelines, internal policies, and operational risk frameworks Played a key role in branch governance, fraud prevention, and operational control mechanisms

Fusion Microfinance Ltd

Sep 2018 - Feb 2025 • 6.4 yrs

Led end-to-end operational, financial, and compliance management across 4 microfinance branches, ensuring consistent business growth and portfolio quality Scaled responsibility from 1 branch (₹8 Cr portfolio) to 4 branches managing a ₹38 Cr loan portfolio, serving 11,000+ active customers Achieved 20% year-on-year growth in loan disbursements through improved market penetration, process optimization, and team productivity Improved collection eciency and recovery rates by 15%, strengthening portfolio health and repayment discipline Reduced Gross NPA by 12% through focused delinquency management, early warning systems, field-level monitoring, and structured recovery drives Managed loan portfolio lifecycle, including credit appraisal, disbursement controls, repayment tracking, overdue management, and write-o prevention Ensured strict adherence to KYC, loan documentation, credit approval workflows, and regulatory compliance standards Conducted branch audits, credit risk assessments, and operational reviews, ensuring timely closure of audit observations Actively collaborated with risk, compliance, and audit teams to maintain governance standards and mitigate operational risks • • • • • Successfully handled escalated credit risks and customer grievances, resulting in improved customer satisfaction and reduced delinquency Led and performance-managed a team of 31 employees, including:4 Branch Managers, 4 Assistant Branch Managers, Field Executives & Support Sta Implemented business continuity and crisis-management strategies during COVID-19, ensuring uninterrupted customer servicing and collections Monitored branch-level KPIs, including disbursement targets, PAR, NPA ratios, collection eciency, sta productivity, and customer retention Supported financial inclusion initiatives across underserved rural and semi-urban geographies Played a key role in people development, succession planning, and branch leadership grooming, leading to internal promotion from Branch Manager to Area Manager

Vivo

May 2017 - Aug 2018 • 1.3 yrs

Led end-to-end sales operations across 12 retail outlets, driving handset and accessories sales in a competitive consumer electronics market Managed monthly sales turnover of ₹1.5 Cr, consistently contributing to regional and company sales targets Supervised and motivated a 14-member sales team, including promoters and retail sales associates, ensuring high productivity and accountability Ensured 100% achievement of monthly sales targets through daily performance tracking, beat planning, and incentive-led motivation Implemented in-store marketing and promotional campaigns, improving footfall, walk-in engagement, and conversion ratios Strengthened brand visibility and merchandising standards by enforcing Vivo VM guidelines across all assigned outlets Conducted regular product training sessions on new handset launches, feature dierentiation, upselling techniques, and customer handling Improved accessory attach rate and value-per-sale through focused cross-selling and bundling strategies Built and maintained strong relationships with channel partners, retailers, and distributors, ensuring stock availability and faster replenishment Coordinated with distributors on inventory planning, sell-through tracking, and secondary sales execution Monitored daily, weekly, and monthly sales KPIs, including outlet-wise productivity, promoter performance, and sell-out trends Played a key role in new outlet onboarding and promoter deployment, supporting business expansion initiatives

Samsung India Electronics Pvt. Ltd

Sep 2014 - May 2017 • 2.7 yrs

Acted as a product expert and brand ambassador for Samsung mobile devices, delivering consultative sales and demos Achieved regional sales recognition through eective upselling and customer engagement• Drove handset and accessory sales by aligning product features with customer needs Maintained visual merchandising and in-store branding standards as per Samsung guidelines • Supported new product launches, gathered customer feedback, and shared market insights

Samsung Smart Cafe

Feb 2014 - Aug 2014 • 0.5 yrs

• • • Managed end-to-end store operations, team performance, and daily sales targets Handled sales reporting, petty cash, billing, and banking transactions Improved customer experience and service quality through sta coaching• Controlled inventory, stock replenishment, and vendor coordination

SKS Microfinance Limited

Oct 2010 - Jan 2014 • 3.3 yrs

• Supervised field operations and microfinance activities across assigned locations Facilitated formation and management of women self-help groups (SHGs)• Ensured timely loan disbursement, collections, and portfolio quality• Supported financial inclusion initiatives in rural and semi-urban regions