Sunil Kumar Chowdhary

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Chief Manager

PERSONAL SUMMARY

A capable, loyal, results orientated Chief Manager with diverse

banking experience of leading high performance teams and of

successfully increasing efficiency and productivity whilst

reducing costs and inefficiencies. Ability to keep a level head

at all times, nurture and grow a business, evaluate

opportunities and risks and also deliver innovative new products

and solutions to challenges. Possessing excellent client facing

and configuration skills and highly successful in helping define

company direction, achieving goals and optimising business.

KEY SKILLS AND COMPETENCIES

. Excellent hands on management & communications skills.

. Able to communicate and present confidently, clearly and

expressively.

. Accustomed to working with senior management.

. Able to think laterally to create options and solutions.

. Skilled negotiator, with proven experience in a commercial

environment.

. Possessing personality, energy & charisma to inspire, lead

and develop staff.

WORK EXPERIENCE

Allahabad Bank

CHIEF MANAGER August 2009- Present

. Head Centralised Retail Banking Boutique, Ludhiana

. Zonal Departmental Head: Planning and Development, Marketing,

Premises and Support Services, Govt. Business and Legal.

. Head Cash Management Services, Head Office, Kolkata

Approval of various Housing Projects, processing and managing

Mortgage loans under Housing, Car, Education and Personal Loan

retail products portfolio of over 100 crores. Marketing various

housing projects and mobilising quality borrowers through

rigorous checking of KYC and source of incomes. Compliance of

all norms as per laid down guidelines.

Providing leadership and management to the business and fully

responsible for the day- to-day running of various departments.

Liaison with 70 Branches for weekly achievement of key

parameters for a sustained growth of over 20%. Directing various

business departments to ensure the smooth running of the Bank.

Establishing Financial Inclusion objectives through opening of

Ultra Small Branches in notified areas under District Credit

Plan. Selling various products like POS, 3 in I Demat accounts,

Fee collection, Utility Bills, Insurance, Mutual Funds and

Corporate collections. Resolving contractual and commercial

issues and disputes. Implemented Vat Collection module and

engaged with various customers of online payment gateway

solutions in technical partnership with BillDesk. Responsible

for achieving all performance related targets. Undertakingstaff

performance reviews.

Focused on developing cash management products that deliver

efficiencies, playing a leading role in the mobilisation,

development and implementation of operational processes.Manage a

team of segment product sales staff. Identified cash management

needs of customers in responsible segment and propose innovative

solutions to meet their needs. Worked closely with product

managers and relationship managers to ensure winning of new

customers and deals. Worked closely with implementation managers

to ensure deals won are implemented as soon as possible.

Achieved breakeven and over 50% increased income growth under

cash management services through Direct Debit Mandate, Corporate

and Fee Collection modules. Added clients like West Bengal Joint

Entrance Board, CPMT, UPGMEE, Gorakhpur University, Netaji

Subhas School of Open Learning and various schools and

institutions.

Training and leading a large team marketing officers, providing

discipline and performance feedback. Involved in the recruitment

and mentoring of new staff. Ensuring that best practice is

followed in safety, legality and quality of service. Developing

and supporting a cross functional culture of continuous

improvement.

SENIOR MANAGER Oct 2004 - Aug 2009

. Head of Northern Cash Management Operations, New Delhi.

. Head of Zonal Core Banking Solution Implementation Team, New

Delhi.

. Group Head, Industrial Finance Branch, New Delhi.

. Branch Head in TimarPur, and Green Park Extension Branches.

As Head of Northern Cash Management Operations at New Delhi,

migrated to new CMS application provided by Nucleus Soft.

Developed positive direct relationships with key business

contacts. Scheduling workload to meet priorities and targets.

Using automated computer systems to monitor stock control.

Designed workflows to operate the new application smoothly.

Tracking and closing gaps identified in various modules and

products. System integration with CBS process and accounting

settlement. Responsible for the achievement of Cash Management

sales goals, with focus on corporate banking segment.

Channel customer needs and market information to product

managers to contribute to the continuous improvement of product

competitiveness. Focusing of transaction volumes, number of new

relationships. Reconciliation of various GL heads.

Assessing needs of clients and accordingly charting out viable

finance portfolio after considering financial, legal and

technical aspects. Performing the functions of assessing

creditworthiness of clients and taking adequate steps to ensure

receipt of payments and recovery of debts. Handling high value

defaulters / insolvent clients. Supervising delinquency & credit

loss.

Handling Credit appraisal of various clients based on risk

assessment. Organizing / participating in Lenders and Consortium

Meeting. Mobilizing of credit proposal, innovation and

customizing of products as per market trends and client

requirements. Finalizing of Credit targets of the Branch and

formulating of strategy to achieve targets.

Managing credit operations, preparation and appraisal of credit

proposal, documentation and disbursement of funds and monitoring

of advances.

Was assigned the strategic position of heading the Zonal Core

Banking Implementation Team. Involved in analyzing complex data

and documentation. Ensuring integrity of critical data before

migration and going live on the next working day. Successfully

completed the assignment through organised and planning ahead

for hardware, networking, data capture and checking.

MANAGER July 1994 - Oct 2004

. Branch Head QCS Cash Management Services, New Delhi.

. Deputy Lead District Manager, Jalaun Uttar Pradesh.

. Branch Head, Urban Branch in Jhansi and Agra, Uttar Pradesh.

Successfully developed and started Cash Management Services

through in house software in New Delhi for corresponding Banking

relationship with Public / Private and MNC Banks. Productively

handled upcountry collections for StanChart / ANZ Grndlys / Bank

of America / IngVysya / Corpn Bank / Centurion BOP / HDFC /

Deutsche Bank and ICICI Bank.

Formulating operating budgets to ensure optimum utilization of

available resources towards the accomplishment of overall

corporate goals. Outlining and implementing District Plans in

coordination with Lead Bank & District Level Coordination

Committees. Holding and participating in DLCC and BLCC meetings

at District & Block level. Implementing of Govt. sponsored

schemes such as PMRY, NRY, and IRDP etc.

Handling comprehensive Branch operations and growth in Current

Account, Savings Account, and Term Deposits, Cash, & Staff

Administration. Following the process / procedure of the bank &

ensuring compliance to rules and regulations of the Bank

including latest circulars & notifications.Directing, managing

and controlling operations with key focus on achieving business

growth and bottom line profitability by ensuring optimal

utilization of available resources.

PROBATIONARY OFFICER June 1982 - July 1994

Various Branches in the state of Madhya Pradesh under Rural,

Semi Urban and Urban categories.

Monitoring business' portfolio performance, conducting

profitability analysis, rendering sustained advisory services

for securing high ROI & increasing retention levels.

Analyzing risk appetite of an individual for providing them apt

solutions, ensuring that solutions provided match the risk

profile. Performing credit operations to ascertain the loan

amounts to be suitably granted to these applicants. Scrutinizing

applications made for Personal Loans & conducting detailed

investigations of the applicants to ensure that all required

credit parameters are met.

Handling cross-selling of the banking products to existing

customers to enhance product portfolio.

ACADEMIC QUALIFICATIONS

JAIIB

Indian Institute of Banking & Finance in 2007.

CAIIB

Indian Institute of Banking & Finance in 2007.

B.Com (Hons)

Sri Ram College of Commerce, University of Delhi in 1980.

REFERENCES - Available on request.

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