Uzzal Kumar Biswas

Experience

• 

  'Dowel Products Ltd'

  Jan 2006 - May 2006

  ‘Sales Executive’
• 

  BRAC Bank Limited

  Jun 2006 - May 2013

  * Prepare Loan Proposal , P& L Account, Balance Sheet, Cash flow statement, financial ratio analysis, credit risk analysis.* Sales & Revenue generation, Customer Relation Development* Market Survey, Research & Analysis,Customer Service Tactics* Portfolio & Loan recovery Manage* Efficient participant of Deposit Mobalization Team.* Consistently builds ongoing relationships with Clients and colleagues.* Develops & implements sales plans for targeted penetration of the SME Market. Show less * Prepare Loan Proposal , P& L Account, Balance Sheet, Cash flow statement, financial ratio analysis, credit risk analysis.* Sales & Revenue generation, Customer Relation Development* Market Survey, Research & Analysis,Customer Service Tactics* Portfolio & Loan recovery Manage* Efficient participant of Deposit Mobalization Team.* Consistently builds ongoing relationships with Clients and colleagues.* Develops & implements sales plans for targeted penetration of the SME Market. Show less * Prepare Loan Proposal , P& L Account, Balance Sheet, Cash flow statement, financial ratio analysis, credit risk analysis.* Sales & Revenue generation, Customer Relation Development* Market Survey, Research & Analysis,Customer Service Tactics* Portfolio & Loan recovery Manage* Efficient participant of Deposit Mobalization Team.* Consistently builds ongoing relationships with Clients and colleagues.* Develops & implements sales plans for targeted penetration of the SME Market.Key Skills:Leadership abilityNegotiation SkillVendor relationCustomer satisfactionTime managementLawer Relation regarding Registry Mortgage Purpose Show less

  • Senior Officer,Unit In-Charge,SME Banking Division

    Mar 2011 - May 2013

  • Officer-II,SME Banking Division

    Mar 2009 - Mar 2011

  • Officer-1, SME Banking Division

    Jun 2006 - Feb 2009
• 

  City Bank

  May 2013 - now

  Responsibilities:* Major responsibility is to promote sales,operation, service, maintain strick relationship with existing and new customers* Market assessment, forecasts, setting financial goals and achieving branch business objectives* Customer acquisition and support, compliance, risk management and other operations* Developing business plans and attaining sales goals, delivering great customer care, and growing revenue through increased lending activity*Bring out the best of branch’s personnel by providing training, coaching & counselling, development and motivation*Assess local market conditions and identify current and prospective sales opportunities Show less Responsibilities:*Cheque verifying & NRB payment * Set strategies for meeting annual budget for the branch at the begining of the particular year* Drive to achieve branch business target* Initiate tie-ups with industry associations, dealers or corporate houses to boost up lending business * Loan file processing, preparing and recommending to RFC for approval* Taking appropriate actions to realize overdue installments against loans and overdue on team when required* Training to other team members in regards products knowledge and changes in products features ( PPG etc)* Taking cross-sell initiatives across products and corporate customers * Monitoring the performance of the branches and giving feedback to BM* Follow-up with RFC and Card Department for card approval and card embossment for quick delivery to the customers * Addressing lending issues raised by RFC ( Retail Finance Center) & CRM* Follow-up and assisting recovery team for recovering of irregular loan* Compliance with local laws & regulations.KYC, AML policies and procedures have been maintained to mitigate operational risk* Support all changes in culture, products lines, business practice and process*Reconciliation security items ( Debit and credit card, pin, Cheque book, pay Order Bulk Stock, Pay Order Working Stock, credit card cheque,FDR receipt, clearing cheque etc through Third Eye). *Checking cash management & other ancillary jobs, key holder of all types keys.*Day to day Teller wise cash position checking .*Booking large deposit, booking retail loan, cards, CASA deposit growth through opening of new accounts and so on.*Maintaining good relation with customers for business growth. *Authorization of all cash and all types of e-mail communication to the concern department as SCSM. Show less *Cheque verifying & NRB payment. * LC document checking and LC opening.*Reconciliation security items ( Debit and credit card, pin, Cheque book, pay Order Bulk Stock, Pay Order Working Stock, credit card cheque,FDR receipt, clearing cheque etc through Third Eye). *Checking cash management & other ancillary jobs, key holder of all types keys.* ISS reporting to Bangladesh Bank by using Bangladesh Bank Web Portal.*Day to day Teller wise cash position checking .*Booking large deposit, booking retail loan, cards, CASA etc.*Maintaining good relation with customers for business growth. *Authorization of all cash and all types of e-mail communication to the concern department as CSM. Show less Cheque verifying & NRB payment. *Reconciliation security items ( Debit and credit card, pin, Cheque book, pay Order Bulk Stock, Pay Order Working Stock, credit card cheque,FDR receipt, clearing cheque etc through Third Eye). *Checking cash management & other ancillary jobs, key holder of all types keys.* ISS reporting to Bangladesh Bank by using Bangladesh Bank Web Portal.*Day to day Teller wise cash position checking .*Booking large deposit, booking retail loan, cards, CASA etc.*Maintaining good relation with customers for business growth. *Authorization of all cash and all types of e-mail communication to the concern department as CSM.* Account opening, Deliver of all relevant cards & pin to customer availing our CC facility Supporting customers with Internet banking facility through – ID creation & activation and handling any relevant query, Providing customers with Account statement, Solvency & other bank certificate issuance upon request and after verification of the statement Receiving all outward clearing cheques for processing at clearing unit, Issuing, roll over and closing of FD, Savings Certificates and Chancay Partra.* Handling all foreign currency transaction starting from foreign currency selling, endorsement, traveler’s cheque issuance and encashment to foreign remittance completion through TT and draft.- PO/DD/TT/MT issue & payment. * Realization of service charges & fees- Locker allocation and service to the customers.- Is conversant on all the products and services of the bank and the processes involved.* Receive all customer queries and reply with the proper solution.* Handle complaints from the customer and ensure that the problem will be solved in due time.* Escalate the problem to the relevant department and follow up on its timely resolution.* Cross selling/reference of retail banking products to counter customers,Keep all relevant forms, .* Handle and effect inter-branch and inter-account fund transfer. Show less

  • SAVP & Branch Manager

    Jan 2024 - now

  • AVP & Branch Manager

    Jul 2022 - Dec 2023

  • AVP & Sr. Customer Service Manager at The City Bank Ltd

    Jan 2022 - Jun 2022

  • SEO & Customer Service Manager, Branch Banking Division at The City Bank Ltd

    Jan 2017 - Dec 2021

  • Executive Officer & CSM, Branch Banking Division at The City Bank Ltd

    May 2013 - Dec 2016