Branch Operations Manager (Principal Officer) – Branch & Sub-Branch Operations
Tumpa Chakraborty
IFIC Bank PLC
Dhaka
13
years of professional experience
11
years of post-secondary education
1
Certification
Banking professional with 13 years of experience at IFIC Bank PLC across Head Office, branch and sub-branch operations, business development, customer relationship management, credit administration and loan recovery. Currently serving as Branch Operations Manager (Principal Officer), overseeing four sub-branches and a 30-member team, with 3+ years of management experience. Proven track record in deposit mobilization (BDT 250 million annually), Retail & SME business (BDT 100 million), NPL reduction (8.69% to approximately 3%) and BDT 70 million loan recovery. Skilled in leadership, regulatory compliance, risk management, negotiation and stakeholder relations, with sound knowledge of banking laws and regulations.
Work History
Branch Operations Manager (Principal Officer) – Branch & Sub-Branch Operations
2 Years 5 Months- Area of Expertise:
- #Banking law
- #NI Act
- #Regulatory Compliance
- Duties/Responsibilities:
- 1. Lead day-to-day Branch & Sub-Branch Operation across four subbranches, ensuring consistent service standards, operational efficiency and an excellent customer experience. 2.Drive liability, asset and profit targets through quality business booking and customer relationship management BDT 250 million annual deposits, BDT 100 million Retail & SME business and 1,500 new accounts annually. 3. Lead, motivate and develop a 30-member team through coaching, performance monitoring and quarterly training on products and services. 4.Oversee approximately 800 daily transactions, account opening and maintenance, operational controls, reporting and service delivery drive digital banking adoption by 2,000 customers annually. 5. Ensure regulatory and internal policy compliance. Perform Branch Anti-Money Laundering Compliance Officer BAMLO responsibilities and coordinate regulatory and Head Office reporting 810 monthly and 2025 quarterly reports. 6. Safeguard branch assets as joint custodian of cash, cash-equivalent assets and security documents. Oversee locker access and related customer requests. 7. Manage relations with customers, regulators and other external stakeholders. Resolve escalated complaints, sensitive disputes and fraud-related cases with over 95% resolution within agreed timeframes. 8. Provide frontline administrative support to Head Office functions and support smooth software upgrades to maintain operational continuity.
- Total Year of Experience: 13 years 3 months
- 2 years 5 months
Branch Operation & Sub Branch Operation Manager
5 Months- Area of Expertise:
- #Branch Operation
- #Conflict Resolution
- #Documentation and Presentation
- Duties/Responsibilities:
- 1. Managed endtoend branch and 8 subbranch operations, ensuring service excellence and operational efficiency. 2. chieved BDT 70 million deposits, BDT 30 million Retail & SME business and 700 new accounts. 3. Led and developed a 50member team through coaching, performance monitoring and quarterly training. 4. Supervised 1,000 daily transactions, account services, operational controls and reporting. 5. Performed BAMLO responsibilities, ensuring regulatory compliance and timely monthly and quarterly reporting. 6. Managed joint custody of cash, cash equivalents, security documents and locker operations. 7. Resolved escalated customer complaints, disputes and fraudrelated cases with over 95% timely resolution. 8. Coordinated with Head Office and supported system upgrades to ensure business continuity.
- 0 year(s) 5 month(s)
Credit Officer-Loan Performance Management (SME & Retail)
7 Months- Area of Expertise:
- #Credit Administration
- #Loan Recovery
- #Portfolio Management
- Duties/Responsibilities:
- 1. Monitored loan portfolios and repayment performance of the branch and six subbranches followed up overdue accounts and coordinated recovery actions. 2. Supported reduction of the NPL ratio from 8.69% to approximately 3%, contributing to BDT 70 million in recoveries over seven months. 3. Reviewed irregular accounts, repayment trends and portfolio quality,coordinating corrective followup with relevant teams. 4. Verified loan documentation ensuring regulatory compliance. 5. Supported loan disbursement and documentation. 6. Resolved legal and documentation issues protecting bank interests. 7. Assisted in credit administration and portfolio managemen. Area of Expertise 1. Bank Loan Facility 2. Compliance Credit Administration 3. Dispute Handling 4. Dispute Resolutions 5. Loan Recovery
- 0 year(s) 7 month(s)
Officer – Head Office Credit based Software (Loan Origination Project)
1 Year 11 Months- Area of Expertise:
- #Business Development
- #Supervision and Leadership
- #Team Management & Supervision
- Duties/Responsibilities:
- 1. Provided technical and operational support to 3000 users across 160 branches and 850subbranches. 2. Coordinated with IT, Credit and branch teams to identify issues, resolve user queries and ensure smooth software implementation and operation. 3. Conducted training sessions for branch officials and provided hands-on guidance on software operations and loan origination processes.
- 1 year(s) 11 months
Branch Operations Manager (Principal Officer) – Branch & Sub-Branch Operations
1 Year 1 Month- Area of Expertise:
- #Cost and profit analysis
- #Deposit Mobilization
- #Sub-branch Management
- Duties/Responsibilities:
- 1.Directed branch service and backoffice operations, ensuring effective internal controls and customer support. 2. Supervised account operations, reconciliations, branch administration and the resolution of operational issues. 3. Achieved 2020 business targets and received a strong annual performance appraisal rating. 4. Mobilized BDT 150 million in deposits and met 2020business targets.
- 1 year(s) 1 month(s)
Credit Officer- DSE (Corporate Business)
11 Months- Area of Expertise:
- #Asset management
- #Communication and interpersonal skills
- #Stakeholder Management
- Duties/Responsibilities:
- Liability Business Deposit mobilization deposit growthBusiness Development New institutional client acquisitionCustomer Relationship high-value customer retentionStakeholder Management DSE member organizations Operational Efficiency IPO transaction reconciliation
- 0 years 11 months
Sub-Branch-In-Charge
11 Months- Area of Expertise:
- #Customer Relationship
- #Financial Analysis
- #Negotiation Skill
- Duties/Responsibilities:
- 1. Successfully established and managed a new subbranch. Achieved BDT 15 Crore deposit mobilization. 2. Achieved BDT 3 Crore loan portfolio. 3. Made the subbranch profitable within 11 months. Managed branch operations while ensuring service excellence. 4. Built strong customer relationships resulting in high customer retention. 5. Conducted local business development activities and customer acquisition campaigns. 6. Ensured compliance with operational procedures and regulatory guidelines. Area of Expertise 1. Business Analysis 2. Business Devlopement 3. Customer Care 4. Deposit Mobilization 5. Leadership 6. Relationship Management 7. Target Achievement
- 0 year(s) 11 month(s)
Relationship Officer
1 Year- Area of Expertise:
- #Credit Management
- #Credit Risk Analysis
- #Sales & Marketing
- Duties/Responsibilities:
- 1. Supported retail loan customers throughout the credit lifecycle, including loan assessment,documentation, disbursement, and postdisbursement account servicing. 2. Processed and facilitated the disbursement of approximately 100 home loans between September 2016 to December 2016, with a total portfolio value of BDT 700 or 800 million. 3. Achieved assigned business targets through customer acquisition, liability growth and business development. 4. Increased deposits from BDT 3890 million to BDT 5450 million. 5. Performed financial analysis of customer profiles, financial information, income sources, and repayment capacity to support credit assessment and lending decisions. 6. Coordinated with credit and relevant operational teams to ensure accurate documentation, timely loan processing, and compliance with banking policies. 7. Assisted customers with loanrelated inquiries, documentation requirements, and postdisbursement services. 8. Acquired new customers through market visits, networking and relationship building. 9. Managed customer portfolios and strengthened longterm banking relationships. 10. Conducted customer engagement and sales campaigns to generate new business opportunities. 11. Crosssold banking products and services to maximize customer value. 12. Successfully launched three new subbranches. 13. Delivered exceptional customer service while ensuring operational compliance. Area of Expertise 1. Client Acquisition 2. Credit Management 3. Credit Risk Analysis 4. Leadership 5. Loan proposal 6. Loan Recovery 7. Market Development 8. Relationship Management 9. Sales & Marketing
- 1 year(s)
Transaction Service Officer (TSO)
1 Year 3 Months- Area of Expertise:
- #Collaborated with cross-functional teams
- #Customer Acquisition
- #Deposit Mobilization
- Duties/Responsibilities:
- 1. Delivered superior customer service through onestop banking solutions. 2. Opened deposit accounts and processed customer transactions accurately. 3. Ensured AML, KYC and regulatory compliance. 4. Managed high-value customer transactions with accuracy. 5. Supported branch sales by identifying cross-selling opportunities. 6. Maintained excellent customer satisfaction through prompt service delivery. Area of Expertise 1. Branch Banking 2. Customer Care 3. General Banking 4. Loan Process 5. Relationship Management 6. Risk Management 7. Service Operation
- 1 year(s) 3 months
Accounts Executive
1 Year 11 Months- Area of Expertise:
- #Business Analysis
- #Financial Analysis
- #Motivational Skill
- Duties/Responsibilities:
- Salary preparation, Voucher preparation, Journal Entry, Petty Cash management, Balance Sheet preparation, Make entry of transaction in the existing software.
- 1 year(s) 11 months
Education
Masters of Professional Accounting - Accounting & Information System
- Duration: 2 years
- GPA: 2.94 out of 4
Master of Commerce (MCom) - Accounting
- Duration: 1 Year
- GPA: First Division/Class
Honors (BBS) - Accounting
- Duration: 4 Years
- GPA: First Division/Class
HSC - Commerce
- Duration: 2 Years
- GPA: 4.5 out of 5
SSC - Commerce
- Duration: 10 Years
- GPA: 4.13 out of 5
Skills
Fields of Skill:
Branch & Sub-Branch Operations Management
Regulatory Compliance & Banking Laws
AML & KYC Compliance
Branch Operational Audit & Risk Management
Credit Administration & Loan Processing
Loan Monitoring & Recovery
Asset and Liability Management
Business Development & Deposit Mobilization
Customer Acquisition and Relationship Management
Financial Analysis & Assessment
Financial Reporting & MIS
Operational Efficiency & Process Improvement
Banking Software & CBS Operations
Team Leadership & People Management
Stakeholder Management
Communication and Interpersonal Skills
Negotiation & Conflict Resolution
Negotiable Instruments Act (NI Act)
Personal Information
- Date of Birth: 1987-11
- Gender: Female
- Nationality: Bangladeshi
- Marital Status: Married
- Religion: Hinduism
Language Proficiency
Bangla: Reading High, Writing High, Speaking High, English: Reading High, Writing High, Speaking Medium, Hindi: Reading Low, Writing Low, Speaking Medium
Extra Curricular Activities
Strong knowledge of banking laws, regulatory requirements, and the Negotiable Instruments Act, combined with proven leadership and supervisory abilities to manage, motivate, and develop teams. Skilled in branch and sub-branch operations, business development, market expansion, and achieving growth targets. Excellent communication, customer relationship management, marketing, and negotiation skills, with a strong focus on operational efficiency, regulatory compliance, and customer satisfaction.
Training
- Training Title: Training on Risk Based Supervision, Topic: Supervision Expectation & Banks Preparedness, Institute: IFIC Bank PLC, Training Institute, Country: Bangladesh, Location: Dhaka, Year: 2026, Duration: 01 days
- Training Title: Land and Loan Documentation, Topic: Documentation and Common mistakes, Institute: IFIC Bank PLC, Training Institute, Country: Bangladesh, Location: Dhaka, Year: 2026, Duration: 03 days
- Training Title: Training on Core Empowerment, Topic: Leadership, Branch and Sub branch management, Institute: IFIC Bank PLC, Training Institute, Country: Bangladesh, Location: Dhaka, Year: 2024, Duration: 02 days
- Training Title: Anti money laundering, Topic: Anti money laundering, Institute: IFIC Training Institute, Country: Bangladesh, Location: Level-5, IFIC Tower, 61 Purana Paltan, Dhaka-1000., Year: 2024, Duration: 1
- Training Title: Training on Credit Management, Topic: Credit management, Institute: IFIC BANK LTD, Country: Bangladesh, Location: Level-5, IFIC Tower, 61 Purana Paltan, Dhaka-1000., Year: 2018, Duration: 45
- Training Title: Training on Team Building and Leadership, Topic: Team building, team management, Leadership, Institute: IFIC Bank PLC, Country: Bangladesh, Location: BRAC CDM, Rajendrapur, Year: 2018, Duration: 03 days
- Training Title: Training on Leading Teams, Topic: Team Management, Stakeholder management, Institute: IFIC Bank PLC, Training Institute, Country: Bangladesh, Location: Dhaka, Year: 2018, Duration: 02 days
- Training Title: Basic Of Banking, Topic: General Banking, Loan & Advance, Institute: IFIC Bank Ltd, Country: Bangladesh, Location: Level-5, IFIC Tower, 61 Purana Paltan, Dhaka-1000., Year: 2017, Duration: 15 Days
- Training Title: Foundation Training Course on Banking, Topic: Foundation Training Course on Banking, Institute: IFIC Training Institute, Country: Bangladesh, Location: Level-5, IFIC Tower, 61 Purana Paltan, Dhaka-1000., Year: 2016, Duration: 15 Days
Career and Application Information
- Preferred Job Category : Accounting/Finance, Bank/Non-Bank Fin. Institution, Commercial
- Looking For : Top Level Job
- Present Salary : Tk. 104000
- Expected Salary : Tk. 135000
- Preferred District : Anywhere in Bangladesh
- Preferred Organization Types : Banks
Certification
- Certification: AIBB, Institute: The Institute of Bankers Bangladesh IBB, Location: Dhaka, From: 2025-11, To: 2025-11
- Certification: JAIBB, Institute: The Institute of Bankers Bangladesh IBB, Location: Dhaka, From: 2017-12, To: 2017-12
Special Qualification
2.8 years as Branch Operations Manager, with expertise in team leadership, branch operations, stakeholder management, business development, customer relations, NI act, Banking Law and regulatory compliance.
Personal Details
- Father's Name : Barun Chakraborty
- Mother's Name : Rekha Chakraborty
- Permanent Address : Thakur Bari, Abdullahpur, Paikpara, Tangibari, Tongibari, Munshiganj 1520
- Blood Group : O+
Timeline
Branch Operations Manager (Principal Officer) – Branch & Sub-Branch Operations
IFIC Bank PLC
06.2024 - CurrentRead More
Branch Operation & Sub Branch Operation Manager
IFIC Bank PLC
01.2024 - 06.2024Read More
Credit Officer-Loan Performance Management (SME & Retail)
IFIC Bank PLC
06.2023 - 01.2024Read More
Officer – Head Office Credit based Software (Loan Origination Project)
IFIC Bank PLC
07.2021 - 06.2023Read More
Branch Operations Manager (Principal Officer) – Branch & Sub-Branch Operations
IFIC Bank PLC
06.2020 - 07.2021Read More
Credit Officer- DSE (Corporate Business)
IFIC Bank PLC
07.2019 - 06.2020Read More
Sub-Branch-In-Charge
IFIC Bank PLC
07.2018 - 06.2019Read More
Relationship Officer
IFIC Bank PLC
06.2017 - 06.2018Read More
University of Dhaka
Masters of Professional Accounting from Accounting & Information System
07.2016 - 12.2018Read More
Transaction Service Officer (TSO)
IFIC Bank PLC
02.2016 - 05.2017Read More
Accounts Executive
Shimulia Fashion Wear`s
02.2014 - 01.2016Read More
National University
Master of Commerce (MCom) from Accounting
06.2011 - 11.2012Read More
National University
Honors (BBS) from Accounting
06.2007 - 06.2011Read More
Dhaka Mahanagar Mohila College
HSC from Commerce
03.2005 - 06.2007Read More
Bangla Bazar Gov`t Girls High School
SSC from Commerce
01.2004 - 03.2005Read More