OBJECTIVE:

To obtain a challenging position in the field of BFSI Sector that will enable me to utilize my experience and skills for organizational growth and help me reach higher echelons.

SYNOPSIS:

• Banking professional with 23 years of experience in Banking and Banking domain.
• Expertise in Trade Finance Operations, Treasury Operations, Credit operations lifecycle, Banking operations, Business Analysis, Project Management, evaluation, requirement gathering in design and support services.
• Having strong analytical skills.
• Working Experience in T24, Finacle and AML FCM Suite.

• Preparing WBS, Master Project P lans considering all the Major/Minor requirements .
• Preparation of Project Progress Report and tracking its progress on daily basis.
• Organizing, Leading and conducting daily, weekly and regular meetings with various stakeholders and providing the updates.
• Raising the critical issues with respective teams, if not resolved at stipulated time escalating to higher authorities for getting immediate solution.
• Involved in requirement gathering and discussions with Users, Technical team and various stakeholders .
• Have Good knowledge in entire Credit lifecycle operations
• Good experience in Credit application processing, Sanctioning, Analysing the credit proposals with risk perspective, limit setup, Margin calculation, Credit monitoring, Review renewals, Documentation, Past due monitoring, Classification of non performing assets and provisioning aspects
• Involved in Risk Assessment Cycles and done detailed functional analysis.
• Having good analytical skills with problem solving capabilities
• Working on BRD, FSD, GAP Analysis, Migration Plans .
• Providing requirement walk through to development, testing and production teams.
• Reviewing and providing help in preparation of test scenarios and cases shared by SIT and UAT teams.
• Providing inputs for the issues faced during various phases and guiding tech team in fixing the issues.

KNOWLEDGE:

Trade Finance

Treasury - Forex, Money Market, SWAPS, Futures, Options

Treasury Back Office Operations

SWIFT and payment system

Credit Operations and Risk

Retail Banking

Business Banking

Nostro Reconciliation

Corporate Banking

Cash Management

Asset Liability Management (ALM)

T24

Finacle

SWIFT & RTGS Payment Interface

AML FCM Suite

Retail Banking

SMS & E-mail alerts

Credit Lifecycle

Project Management

WORK EXPERIENCE:

Head of Credit

Confidential

Responsibilities:

• Approval of Credit files for sanctioning loans
• Taking care and guiding the ICT department for their day to day activities
• Improving the business tie ups with various companies to get a study and continuous flow of business
• Guiding the management in taking important strategic decisions
• Improving the operational efficiency of the entire organization

Senior Consultant

Confidential

Responsibilities:

• Analyzing of Audit Confirmation Report of a Bank
• Providing the logics behind the report generation
• Preparation of Test Scenarios, test Cases and test Schedules from the analysis made to get the data source from T24

Senior Functional Consultant

Confidential

Responsibilities:

• Preparation FSD Document based on the BRDs
• Reviewing of FSD for Q & A Purposes
• Providing Training to the Technical and Functional Consultants on Banking Products and Procedures
• Helping Project Managers on their day to day activities
• Preparation of User Guide for the module developments

Software Consultant

Confidential

Responsibilities:

• Working as a PMO, Test Lead and Business Analyst in T24 & AML project of a large International Bank at Singapore
• Preparation of BRD for the business requirement and providing guidance to technical team.
• Suggesting the related features with regard to the business requirements in order to give a permanent and complete solution.
• Actively participating in the weekly and daily meetings in resolving the issues
• Good in understanding the business requirements and preparing GAP analysis
• Guiding teams on the business scenarios and expected outcome / test results
• Preparation of Project plan report.
• Review of Project time schedules and informing the various stake holders at appropriate time
• Raising and follow ups of issue logs and guiding technical team in fixing the issues
• Consolidating of test calendar and preparing daily progress report
• Analyzing of the data flow from T24 to AML Suite and validation of the results
• Good in preparing project reports and follow-ups with various stake holders for the progress as per schedule
• Escalation the issues wherever faced to the appropriate authorities to bring it to their notice and getting immediate resolutions.
• Monitored for the compatibility of the systems and procedures prevailing in the bank are being taken care at the time of migration.
• Suggested various system related observations for correction in order to arrest the loop holes in the system.
• Changes in process on account of migration were documented for preparing the operations manual.

Head of International

Confidential

Responsibilities:

• Heading the Treasdury, remittances and Trade Finance Departments of the Bank.
• Monitoring & reviewing of the treasury operations done by the dealers.
• Providing extensive support and guidance to the dealers
• Analyzed Business flow on Credit operations for successful implementation of Loans module in T24 for limit setup, Interest application / accruals, past due calculations, non-performing loans monitoring and provisioning.
• Have thorough work experience in limit sanction processing of fund based as well as non-fund based limits.
• Preparing and providing Asset Liability Management Report and its insight to the management for major decision making on the liquidity management and interest rate decisions.
• Done a thorough study on the Treasury and Trade Finance operations of the bank and submitted a report to top management with corrective guidelines and procedures
• Checking the margin call on outstanding deals of the customer based on the MTM
• Handling Training sessions on Trade Finance, Foreign Exchange, Treasury operations, AML, etc to various group of employees
• Hands on experience in testing in T24 CBS for SWIFT Interface, Payment system, AML & KYC package, SMS & Email alerts for the transactions, Trade Finance module etc.
• Well-handled T24 migration project. Good in preparing and reviewing of test cases and in analyzing of test results.
• Successfully tested and implemented the AML pack of Temenos.
• Tested various modules of T24 like General Accounts, Teller operations, Transfer operations, Trade Finance operations, Loans Module, etc
• Implemented SWIFT interface and RTGS in T24 for Straight Through Processing (STP).
• Conducted Training on Trade Finance on behalf of Frankfurt School of Finance & Management, Frankfurt, Germany as a consultant

Chief Manager & Head - Finacle Migration, Senior Test Manager / Business Analyust

Confidential

Responsibilities:

• Managing the entire project to move as per the prescribed timelines
• Organising, conducting and involved in the daily, weekly and project meetings
• Providing extensive support and guidance to testing team
• Reviewing test results and evidences updated in HPQC Package by both Confidential and Internal UAT Team
• Custodian for all testing related documents placed in HPQC
• Carrying out an independent testing of Finacle 10.2.12 version
• Expertise in handling big team size of more than 100 members during UAT from various business groups
• Actively involved in the Finacle and T24 Migration activity of the banks
• Good experience in testing Finacle and T24 core banking solutions.
• Hands on experience in testing SWIFT interface, Trade Finance, Retail banking, AML & KYC, SMS & E-mail alerts for transactions.
• Conducted audit on the testing done by various internal user teams.
• Handled a team of 30 testers from Confidential talents for their testing activities and imparting banking practices and knowhow through training sessions

Chief Manager & Business Banking Branch Head

Confidential

Responsibilities:

• Managing a Team of Sales Managers, Relationship Managers and Credit Managers
• Joint approval of fresh loan proposals and review, renewals of existing portfolio
• Credit applications processing and analyzing proposals for correctness of data. Sanctioning of loans. Documentations, Credit limit setup, credit monitoring, Margin calculation
• Limit setup on Cash credit accounts based on the stock statement submitted
• Past due monitoring and non performing assets monitoring and provisioning calculations
• Good in Fund based and non fund based limit requirements and work flow.
• Overseeing the retail and Trade Sales and Operations of a large Branch with GL size of Rs.200+ Crores
• Improving the business of the branch in Business Banking activities
• Controlling the Treasury Operations of 55 B-Category branches in South Zone comprising of 4 southern states
• Closely monitoring the performance of branches and guiding to achieve the set targets
• Successfully achieved the Income and Volume targets for the two years
• Monitoring the margin calculations daily basis on the outstanding forex and derivative deals exposure of the customers for MTM calculation and followup with the branch / customer for providing shortfall margin
• Interacting with key functionaries / decision makers of companies engaged in International business
• Extensive travelling to branches to provide advisory services and to build new relationships
• Liaisoning with Operations and Business verticals for smooth and timely flow of transactions
• Maintaining the relationship with existing clients by providing advisory services to increase the Trade revenue and cross selling of other services
• Organized and conducted customer meets at various locations
• Conducted Quarterly FEMA audit at B-Category Branches

Manager

Confidential

Responsibilities:

• Monitoring overall function of the Forex Department, identifying improvement areas to maximize customer satisfaction level
• Analyzing requirements of Trade Customers and suggesting suitable Forex solutions according to their portfolio which ensures the best returns
• Successfully achieved the Income and Volume targets of Rs.13 & Rs.3000 Millions
• Bringing and nurturing the new to bank relationships
• Monitoring the margin requirements for the exposure on outstanding forex deals and derivative deals based on the MTM calculations and wherever required proper follow up actions are taken.
• Sensitizing the customers on the forex rate movements and guiding customers on latest developments
• Coordinating with dealing room and customers to finalize the forex rates and derivative deals
• Controlling Import & Export Bills, Inward & Outward - Remittances, LCs, BGs and SWIFT Operations
• Checking and authentication / verification of all trade transactions
• Pre and Post Shipment Finance disbursements
• Coordinating with Central Treasury Team in arranging Buyers Credit
• Periodically advising the exposure details to customers and taking their confirmations
• Handling Forward Contracts, Plain Vanilla Options and derivative deals
• Cross selling of bank’s other products, with enhanced focus on liability side
• Timely submission of periodical returns / repots to RBI, ECGC and top management