mcom,emba,jaiib and amfi (mutual fund)-24 yr banking exp as manager

rESUME for the post of Madhu sudhan Kotturu

Email: ***********@*******.*** Phone: 099********

Experience AND EXPERTISE IN

I have over 24 years of industrial experience in the areas of Retail Banking. I have rich experience of Lending, Deposit Mobilization, Recovery of Non-Performing Assets (NPA), Internal Audit, Profit Monitoring/Maximization and Client Relationship. I have successfully lead teams of sizes ranging from 6 to 08 to achieve the goals set by the organization. Internal housekeeping, MIS, co-ordination with Clients, Staff, Divisional/Head Offices, External Banking Agencies are his strengths. I am an achiever and successful in meeting the organizational goals.

Project Details

ING-Vysya Bank, India (From Dec-1988 to Feb-2003)

INDIAN OVERSEAS BANK (fROM nOV-2005 TO dEC-2012)

Service Details:

Worked as Manager in middle management cadre (MM II ) in private and public sector banks since Dec-1988. Exposure in all activities of Retail and commercial Branch banking.

Quality Management :

This is one of the most Important areas to which I have given maximum attention since debut in my Banking career. My success as an Accounts Officer as well as Branch Head relied on the principle of "Establishing ongoing relationship with my Customers and serve them promptly as per Bank’s norms".

1. Conformance to the Requirements,

2. Work towards prevention of problems,

3. Measure the Work Processes,

4. Minimize Non-conformances and fix them by adopting well-defined processes.

Adoption of Processes:

1. Drawing of Process Model Work Sheet for better control and understanding of the activities by all the parties concerned.

2. Effective Planning through Run Chart, Gantt Chart and PERT Charts for effective utilization of time and resources.

3. Maximization of effort to achieve close to ZERO Defects with personal commitment.

Deposit Mobilization:

I have introduced nearly 1250 new clients to the Bank, which includes Customers from Rural, Metro and Govt. Organizations. Our Management has given Merit and super merit certificates for my laudable performance in this Area. Key Reasons of success in this Area are Maintenance of Relationship banking and maintaining regular contacts with Govt. Officials.

Advances:

As a Branch Manager in Semi Urban and Metro branches, Retail loan advances were given in various areas, which include two wheeler loan, four wheeler loan, personal loan, Corporate loan and Housing loans and SME loans. Careful credit history, market inquiry about credit worthiness and Pre sanction analysis of the loanee are the techniques used while disbursing the advances.

Recovery and NPA Management:

Periodical reviews, customer meets, surprise inspections and regular follow-up with the Customers are the techniques used by me for effective control of the NPA assets where by loans are recovered on their due dates.

Human Resource management:

As a Branch Head, I lead teams ranging from 6 to 15 employees and officers. With the implementation of various HR tools like regular assessment of the performance, guiding the teams, proper distribution of workload and Job rotation, teams were greatly motivated and involved in business development and good customer service across the counter.

Internal House Keeping:

I have a good knowledge /exposure in Internal control and Housekeeping of branch which includes

1. Ensuring proper control through computerized operations and regular updates to the application versions given by our Head office.

2. Submission of control Returns to our Zonal and Corporate office in time

3. Submission of statutory returns to RBI

4. Daily tallying of Books of Accounts with General Ledger and subsidiary ledgers.

5. Conducting of Surprise Inspections of cash and books of accounts

6. Conducting of Internal Audit of other Branches

Profit Monitoring :

Maximization of the Profit and better service are being the motto of the Bank, I have contributed a lot in this area by Regular supervision and control of various expenditure, increasing the revenues like Bank Commissions, DD Exchange and timely recovery of loans and interests from various clients. My contributions were instrumental in upgrading the internal branch ratings for achieving better profit.

Education

1. EMBA (Fin) from Global Institute of Management, Calcutta-2010

2. Post Graduation in Commerce - M.Com. Nagarjuna University, Guntur, Andhra Pradesh, 1986.

3. Graduation in Commerce - B.Com, Sri Venkateswara University, Tirupathi, Andhra Pradesh, 1983.

4. Intermediate- Board of Intermediate Education, Hyderabad, Andhra Pradesh, 1980.

5. SSC- Board of Secondary Education, Hyderabad, Andhra Pradesh, 1978.

Professional Training and Continuing Education

1. Trained in Credit Card Management/Kissan Credit Card - 2000

2. Trained in Personnel Effectiveness - 1999

3. Trained in Branch Internal Grading Improvement - 1999

4. Trained in Credit Management - 1998

5. Trained in ALPMs (Automated Ledger Posting Machines) –1992

6. Associate Certificate in Banking (CAIIB – I) from Indian Institute of Bankers, Bombay – 1989

Awards, Publications and Professional Affiliations

Received more than 8 Merit and Super Merit certificates in Deposit Mobilization campaigns for excellent deposit mobilization from various customers. Qualifier award from LIC for mobilization of premium of Rs.25.00 lac under Bheema bachat-Bankassurance model of Indian overseas bank.

Computer Awareness

Proficiency in Accounting Packages – Wings2000, Tally and MS Office 2000

PERSONAL INFORMATION

Born on 15.02.1963, Male, Married, Residing at Flat no: 229, II floor, Alekya Radha sadan, Opp: Maharana Function Hall, six number Junction, Amberper, Hyderabad-500 001, Andhra Pradesh.

Madhu Sudhan Kotturu Page

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