Anik Garai

Experience

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  Government of West Bengal

  Jan 2018 - Feb 2018

  Electrical and Mechanical Trainee (KMDA)
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  Management Development Institute Murshidabad

  Aug 2020 - Apr 2022

  Coordinator- PR Media Committee
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  Youth Empowerment Foundation

  Aug 2020 - Sept 2020

  Intern
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  Tenhard India Pvt Ltd.

  Dec 2020 - Jan 2021

  Sales And Marketing Intern
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  Board Infinity

  Apr 2021 - Jun 2021

  Corporate Intern
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  ClearExam

  Apr 2021 - Jun 2021

  Project Manager
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  ICICI Bank

  Jun 2022 - May 2023

  Accounts Manager (Transaction Banking)

  -Client Management: Handled corporate clients with INR 250-750Cr turnover, managing INR 93Cr Non-fund based and INR 100Cr Fund-based limits, while building strong relationships with 10+ clients.-Cross-Team Collaboration: Worked with 5-7 cross-functional teams (Credit, Treasury, Product, Compliance) to drive revenue performance, mitigate risks, and align strategic initiatives.-Process Optimization: Managed Bank Guarantees, Letters of Credit, and Bill Discounting, generating INR 2Cr income for the bank.-Client Onboarding: Boosted cash flows by 50% through onboarding clients to IPS and TOL, and increased loan/WC utilization to 80%.-Revenue Growth: Organized cross-departmental meetings, contributing to a 17% Asset NII increase, 44% Liability NII increase, and 24% YOY Operating Income growth. Show less

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  Bajaj Markets

  Jun 2023 - now

  Manager- Product & Partnerships- Digital Lending

  -Strengthened Lending Partner Relationships: Spearheaded strategic planning and performance reviews, delivered customized solutions aligned with partner KPIs; driving enhanced portfolio performance and engagement.-Enhanced Lead Allocation with BRE: Leveraged Business Rule Engines (BRE) to optimize lead distribution based on critical credit parameters, resulting in improved lead quality, higher approval rates, and enhanced partner portfolio outcomes.-Elevated Digital Lending Experiences: Partnered with Tech and Marketing teams to refine digital lending journeys through API integrations; enhancing UI/UX, boosting user engagement, and driving higher conversion rates.-Led End-to-End Funnel Optimization: Streamlined loan processes, optimized lead segmentation, and reduced drop-offs, accelerating disbursals and significantly improving conversion metrics and operational efficiency.-Optimized Call Center Operations: Utilized Voice of Customer (VOC) analytics to enhance agent workflows, reduce idle time, and improve service efficiency, directly elevating customer experience and conversion rates.-Data-Driven Marketing Strategies: Designed and executed targeted marketing initiatives, leveraging advanced data analytics and KPI tracking to optimize cross-channel campaigns, driving higher ROI and effectiveness.-Cross-Functional Collaboration for Strategic Growth: Aligned KPIs and refined lending strategies to optimize portfolio health, ensuring consistent growth in key accounts and alignment with overarching business objectives.-Key Achievements: Boosted loan approval rates by 15%, reduced drop-offs by 20%, increased conversion rates by 10%, and achieved a 20% uplift in disbursal volumes across partners. Show less