Debangshu Ghosh

Experience

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  Infinite School of Business and Technology

  Mar 2014 - Nov 2015

  Software Trainee

  Was a software trainee in this Institution and was taught programming languages like C,C++,JAVA,DS along with regular assignments and project showcasing and also taught about SDLC.Gained exposure in the field of software development through this trainings.

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  Iyouthmag

  Jan 2015 - Oct 2015

  Senior Photojournalist(prior to promotion was Reporter/Writer and Photographer)

  Collaborated with the founding members of another start-up; an online e-magazine solely developed and run by college graduates and was a part of the core-committee as a freelance reporter and photographer. Gained exposure in the field of Online Media & Journalism. My extensive work experience included from attending to getting involved in organizational activities of events and writing upon them and also to photograph them and even helping in conceptualizing marketing and promotion strategies for their new website on social media platforms and thus contributed to the increase in the overall organizational visibility. After 3 months of satisfactory work later got promoted to Senior Photo-Journalist where-by I was given a team of 4-5 Journalists to guide them in performing their duties for the overall development of the organization. Show less

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  Cam2o Photowalkers

  Sept 2015 - Jan 2016

  Member

  Was a member-photographer of this organization.

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  SmartStitch.in

  Sept 2015 - Nov 2015

  Content Writer and Brand Marketing Intern

  Hands-on Experience of working with a start-up,a retail based online platform for renting out and manufacturing of designer clothes, where-by I collaborated with the co-founders to extensively promote their products as a brand on social media platforms. Garnered experience in managing their content and curated well-structured and engaging content for their new website and Facebook,Instagram pages to increase brand awareness. Drafted personalized emails to acquire celebrity clients and contributed towards overall conversions. Devised social media marketing strategy and developed content for the same to enhance organizational visibility. Show less

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  Flickr

  Sept 2015 - now

  Freelance Photo Blogger

  Photography being one of my hobbies and with the current trend of photography being in vogue and an increasing demand for skilled photographers , I indulge in practicing this art and my range of experience includes Wild-Life, Nature & Abstract, Event and Portrait based photographs.Below is a link to my Online Photo Blogging Site on Flickr showcasing some of my best images that I have captured along my journeys on the globe.Happy viewing and thanks for stopping by my profile.

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  Globsyn Technologies

  Nov 2015 - Sept 2016

  Campus Ambassador and Indutrial Trainee

  Was extensively involved in promoting their products and offerings on our college campus and was successful in gathering a strong batch of 100 students to undergo their Winter Training Program. Understood, supported and provided consultancy to the students with regards to their concerns about the offerings of the organization. Helped in conceptualizing marketing and promotion strategies for the Organization's offerings on our campus and also through social media engagement. Being also a part of their extensive Winter Training Program , I was trained in Advanced JAVA or J2EE along with hands-on training and experience in Software Development involving Web Based Enterprise Systems like an Online Travel Booking Website. Show less

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  WordPress

  Mar 2016 - now

  Freelance Blogger

  Since I love writing and a way to explore my creative side further I launched my own Lifestyle Blog entitled "ThePositiveBlogger" that focuses on providing happiness and Self Development tips that work in Real Life.If,need maybe I can collaborate with other writers in the same field.Happy reading and thanks for stopping by my profile.

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  Cry FIEM Chapter

  Apr 2016 - Jun 2017

  Co founder and Event Management Head

  Co founder of a new chapter of this NGO-CRY in my college FIEM and served as the head of the Events Team and was engaged in carrying out various events.

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  CRY - Child Rights and You

  Apr 2016 - Jun 2017

  Extensive experience in working as a core committee member of the POT of Cry kolkata where main work was to strategically plan out and organize events and to do social media promotions. There was continuous engagement with the Public to get their attention and to make them contribute to our events. Collaborating with the POT & Volunteer Action Manager and the Director of the organization and thus leading to a positive impact on the organization & individual performance. With 1 year of experience in successfully planning,organizing and promotion of events and being involved with the POT team; eventually started out as a Campus Representative of the organization in College and later formed a club in college where I was appointed as the Event Management Head and was engaged in carrying out various events.

  • Volunteer, public outreach team

    Dec 2015 - Jun 2017

  • Campus Representative

    Apr 2016 - Mar 2017
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  Global Citizen India

  Oct 2018 - now

  Global Citizen Member

  Became an official member of the Global Citizen Network, an NGO based In USA with the aim to reduce Poverty and be a part of an emerging world community that synergises together to build the community’s values and practices.

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  Global Goodwill Ambassadors (GGA)

  Dec 2018 - now

  Global Goodwill Ambassador/ Humanitarian

  Recognised for my humanitarian work and incorporated as a member of one of the worlds largest network of Global Goodwill Ambassadors.

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  State Bank of India

  Jan 2019 - now

  1)Managing Total Portfolio of the Branch to the tune of more than 50 crores AUM- Deposits and Advances both and maintaning a healthy CASA as per the RBI norms.2)Supervising end-to-end client relations, client acquisition, credit analysis, proposal, loan sanctionPerforming financial and industry analysis and preparing supporting documentation for client credit approval as well as garnering of Necessary deposit mobilisation.3)Structuring and closing the financial analysis for different customer segments including retail and industrial and negotiation of contract terms and exposure to various asset products - Home, Education, Personal, Security backed, etc.4)Motivating others to perform at maximum efficiency without sacrificing quality of the services and managing a team of 7.5)Managing and minimizing engagement risk by proactively identifying issues and recommending courses of remediation.6)Supervising clients on their financial and investment needs for engagement and year-end reviews.7)Supervising various high valued Clients with assets worth 1 Cr plus- mobilising business through them.8)Monitoring end-to-end loan processing & maintenance.9)Maintaining Liaison with Land Revenue department , Lawyers, Valuars for various Loan Appraisal related Processing.10) Investment and Financial Advisory Services. Show less 1)Assessing credit worthiness of applicants based on investigative findings and managing risk by proper assessment and due diligence as per RBI norms and global standards and risk management frameworks.2)Supervising end-to-end client relations, client acquisition, credit analysis, proposal, loan sanctionPerforming financial and industry analysis and preparing supporting documentation for client credit approval.3)Structuring and closing of financing for infrastructure projects and/or procurements, including the development, structuring, and negotiation of contract terms and exposure to various industries including Food, Processing , Manufacturing , Retail and Wholesale Trade, Dealership of FMCG and various goods including textiles, medicine, fuel, etc.4)Motivating others to perform at maximum efficiency without sacrificing quality of the services.5)Managing and minimizing engagement risk by proactively identifying issues and recommending courses of remediation.6)Supervising clients on projects and assess performance for engagement and year-end reviews.7)Supervising various high valued Corporate & SME clients for a total portfolio of Rs.15 Cr. (including fund based, non-fund based & documentary credit exposures).8)Monitoring end-to-end loan processing & maintenance.9)Maintaining Liaison with Land Revenue department , Lawayers, Valuars for various Loan Appraisal related Processing.10) Advancing Loans to Self Help Groups, Loans on the basis of Valution of Gold Pledged for Agricultural Purposes and thus Loan Appraisal particular to the Priority Sector Norms of the RBI, to meet the Social Obligations as required by the Bank. Show less 1)Assessing credit worthiness of applicants based on investigative findings and managing risk by proper assessment and due diligence as per RBI norms and global standards and risk management frameworks.2)Supervising end-to-end client relations, client acquisition, credit analysis, proposal, loan sanctionPerforming financial and industry analysis and preparing supporting documentation for client credit approval.3)Structuring and closing of financing for infrastructure projects and/or procurements, including the development, structuring, and negotiation of contract terms and exposure to various industries including Food, Processing , Manufacturing , Retail and Wholesale Trade, Dealership of FMCG and various goods including textiles, medicine, fuel, etc.4)Motivating others to perform at maximum efficiency without sacrificing quality of the services.5)Managing and minimizing engagement risk by proactively identifying issues and recommending courses of remediation.6)Supervising clients on projects and assess performance for engagement and year-end reviews.7)Supervising various high valued Corporate & SME clients for a total portfolio of Rs.15 Cr. (including fund based, non-fund based & documentary credit exposures).8)Monitoring end-to-end loan processing & maintenance.9)Maintaining Liaison with Land Revenue department , Lawayers, Valuars for various Loan Appraisal related Processing. Show less Major Highlights of Target Areas:-Reducing the TAT for Jan Dhan / Zero Balance Account Creation and KYC Updation and Approval Process for the same. Acted as Nodal Officer for 22 Customer Service Points who directly reported to me for Account Authorization and Verification. Was directly involved in opening of almost 9000 Jan Dhan Accounts with proper direction to the Customer Service Points and thus brought about a major Financial Inclusion initiative of the Government of India i.e. PMJDY and brought about a growth of almost 150% in this segment (Y-O-Y). Was directly involved in Government directions to provide Banking Services and the Government's financial relief measure during the COVID -19 Pandemic and the Amphan Cyclone disaster in West Bengal- the financial donation given by the Government through the Jan Dhan Accounts. Was involved in mobilising digital Loans - Pre Approved Personal Loans from the BCP perspective of the bank; a growth of almost 100 % (Y-O-Y). Worked with the Agri Officer to pertain to KCC(Kisan Credit Card)loans;another Financial Inclusion directive of the Government to provide financial support to the farmers - was involved in scrutinising over valid land records and thereby in sanction of over 2000+ KCC applications. Was involved in driving campaigns for the branch in pushing for digitalisation by garnering mass knowledge and promoting INB and the Banks own unified App- YONO. Was extensively involved in cross- selling for the bank to increase the banks revenue. Extensive marketing and selling of mutual fund products including SIP Mobilization and Insurance,both general, life and other products of the bank offered as an add-on for being a valuable customer to the bank whereby providing for customer value enhancement and better customer acquisition.Continuous Self - Assessment was undertaken and regular business target points were met and growth along with self learning trajectory was improved. Show less Major highlights of Target Areas:-Was posted at the Main NRI Branch, Kolkata and my work mainly dealt with pertaining to the banking needs of NRI clients and their financial needs. Was a first line ( Customer Relationship Officer) point of contact with the NRI customers. End to End query management of NRIs including investment and financial advisory handling. Got exposure to handling of KYC and due diligence of NRI clients and foreign remittance and foreign exchange and dealing with NRI account operations. Had face to face client interaction and in dealing with their day to day queries. Was involved in Cross selling and Up selling to offer additional products as add on to such high valued NRI customers to assist in their ease of banking and aiding in providing financial advisory services for investment purposes and also this generating a secondary source of income for the bank. Marketing of Bank's digital products specially YONO app/ Internet Banking and Alternate Channel Products for doing banking transactions and also providing financial advisory services including investing in Mutual Funds, Life Insurance products offered by the bank. Show less Major highlights of Target Areas:-Assessing creditworthiness of applicants and managing risk by proper assessment and monitoring. Was attached with Senior Relationship Manager of SME advances and looked after a portfolio spanning an exposure of 100 crores and 15 units. Got exposure to Documentary Credits and Institutional Credits and in handling high valued Corporate credit and clients. Extensive idea with hands on exposure to Credit Analysis, Risk Analysis, Financial Statements Analysis with defined timeline of delivering after studying of financial statements by client and to be in compliance with Basel Norms ( Basel II). Had exposure towards various industry units that helped to gather diversified knowledge, units were from manufacturing, automobile, gold, tea processing, jute mill, steel , food processing, etc. Had face to face client interaction and in dealing with their day to day queries. Was extensively involved in pre sanction and post sanction procedures including CMA, CRA preparation, Stock Statement verification, Inspection, Credit monitoring and portfolio assessment and analysis. Was involved in Cross selling and Up selling to offer additional products as add on to such high valued customers to assist in their ease of doing business and aiding in providing financial advisory services for investment purposes and also this generating a secondary source of income for the bank. Was guided in credit lending to MFIs, NBFCS as per RBI Priority sector guidelines and thus bringing about Financial Inclusion. Show less Major Highlights of Target Areas:-Design Sales Promotion Schemes Micro-Level Lead Analysis to achieve better conversion ratesResponsible for Revenue Generation through Up-Selling and Cross-SellingFormulate Growth Strategies and Develop Strong Interfaces with Product, Risk and Sales Operations teamsReducing the TAT for Account Creation and KYC Updation and Approval Process Responsible for Business Reporting and Sales Trend AnalysisSelf-Assessment of Business Targets and focus on Improvement AreasRecommendations and roadmapsHead of Accounts in the Main branch of Darjeeling Area in West Bengal, India, an urban branch. Directly reported to the Deputy Branch Manager and was under his training Instructions.Was involved in mobilising accounts, specially digital accounts and was able to achieve targets and mobilised the highest number of digital accounts for two consecutive months in the Kolkata Circle for the Bank. Was involved in driving campaigns for the branch in pushing for digitalisation by garnering mass knowledge and promoting INB and the Banks own unified App- YONO.Was also extensively involved in locker operations for the bank and also different aspects of Accounts including KYC/ AML. Was extensively involved in cross- selling for the bank to increase the banks revenue. Extensive marketing and selling of Insurance,both general, life and other products of the bank offered as an add-on for being a valuable customer to the bank.Customer acquisition targets were also achieved. Show less

  • Branch Manager

    Jun 2024 - now

  • Deputy Manager- Agri&Business Segment

    Jun 2022 - Jun 2024

  • Relationship Manager

    Sept 2021 - Jun 2022

  • Branch Manager

    Jun 2021 - Aug 2021

  • Deputy Manager

    Jun 2021 - Jun 2021

  • Deputy Manager

    May 2021 - May 2021

  • Deputy Manager

    Apr 2021 - Apr 2021

  • Deputy Manager

    Jan 2021 - Mar 2021

  • Assistant Manager - Rural Banking

    Mar 2020 - Jan 2021

  • Assistant Manager- Marketing and Technology

    Dec 2019 - Mar 2020

  • Assistant Manager - SME ( RMME/ CSO- Relationship Manager for Medium Enterprises and Credit Officer)

    Jun 2019 - Dec 2019

  • Assistant Manager- Accounts

    Jan 2019 - Jun 2019
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  Institute of International Finance

  Oct 2020 - now

  Member

  Inculcated as a member of the Institute of International Finance due to being an employee of State Bank of India, one of 5 Indian Banks to be part of the IIF

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  Streetbees

  Jan 2022 - now

  Surveyor