Management Manager

SUBHASH KURUP

Bldg no **/ Flat No *** Amity Coop Housing Society

Oshiwara, Andheri (West),

Mumbai, India 400053

# +91-773*******; email: - ************@*****.***

Career Objective

Gainfully utilize my skills and experience in the field of Banking, Finance, Treasury,Risk

Management, Core banking to generate effective financial solutions.

Summary

• Experience of nearly 20 years in the field of Finance covering Corporate Credit / Retail

Credit Consortium Financing, Treasury Management and Investments and International

Banking, Risk Management, Inspection, Audit, Financial Accounts, Public Issues IPOs, IT

Solution, Core Banking Solution.

• A competent professional with rich and varied experience in the field.

• Experience of working at Senior Management Levels including Zonal / HO Levels in the

Bank shouldering high responsibilities and target oriented assignments.

• Can manage ease at a senior level on the strength of a good background of understanding

Banking with the changing environment.

• Competency in Generally Accepted Accounting principles (GAAP).

• Strong working knowledge of Excel and financial modeling.

• Skills in Oracle Financials.

• Can work in a target oriented workspace.

• Ability to understand and identify key areas of risk on complex and structured credit

transactions.

• Ability to lead as well as work positively in a team.

• Possesses excellent client facing skills.

• Possesses an analytical mind and can make presentations with ease.

• Good written and verbal communication skills.

Career Progression

Current Assignment - 2014

Asst Gen Manager – Treasury and International Banking Mumbai

Overall Control, Monitor and Responsibility for

Cash and Funds Management of the Bank.

Capital Raising through Tier II Bonds and Infra Bonds.

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Regulatory Maintenance of cash

Liquidity Planning and Control.

Management of Interest Rate and Currency Risks.

Investments in Money Markets / Debt Markets / Equity Markets/ Forex / Venture

Capital

Derivatives

Monitor Balances with Controller Bank.

Accounting and Finance.

Remittances

Settlements.

Risk Management

Computation of market Risk and Risk weight as per Basel III norms for Treasury.

Derivatives

RBI Annual Financial Inspection and Staautory Audits.

Proposals with reference to CDR cell

2013 - 2014 (to date)

Assignment: Executive Head – Credit - Retail Assets Mumbai

Approve or reject, or coordinate the approval and rejection of, lines of credit for

retail and commercial, real estate, and personal loans.

Establish procedures for custody and control of assets, records, loan collateral, and

securities, in order to ensure safekeeping.

Evaluate data in order to plan budgets.

Evaluate financial reporting systems, accounting and collection procedures, and

investment activities, and make recommendations for changes to procedures,

operating systems, budgets, and other financial control functions.

Worked in a target based assignment.

2010-2013 (to date)

Dy. Zonal Manager -

Dy Zonal Manager – Chandigarh Zone and Dy. Zonal Manager – Jaipur

Zone

During the period functioned as Dy. Zonal Manager for two zonal offices of the

Bank.

Responsible for administration of Zone and the Branches under the control of the

Zone covering large geographical areas of Northern India.

Responsible for Zone’s forecasting and business targets regarding CASA, NII and

NPA recovery as well as for Alternate Business Channels.

Maintain and update Branch Profiles.

Allocate targets for Branches in the Zone and adhere to a business plan to attain

these goals.

Provides direction and leadership to staff in branches in the field while responsible

for the business growth.

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Optimum deployment of resources.

Conduct location trainings for Staff

Follow up for NPA Recovery through DRT and Securitisation. Also nominated as

the “Authorized Officer”.

Monitoring of Stressed Accounts to prevent slippages to NPA.

Monitoring of Inspection and Concurrent Audits.

Empowered to make decisions within the Zone and on behalf of the Zone with

authority to make functional decisions.

Evaluate market trends and gather competitive information and disseminate

information to utilize the same for developing business.

Represent the Bank at State Level Bankers Committee Meetings with active

participation as well as for regular meetings with the Reserve Bank of India.

Worked as Compliance Officer for the Zone.

Nominated Chief Public Information Officer (CPIO) for the Zone to attend to cases

related to the RTI Act.

2009-2010

Branch Head – Chief Manager, Chandigarh Main Branch

Branch Head of a Large Size Branch: Business level Rs 3500 million.

Responsible for attaining targeted branch goals through active participation of staff.

Branch Administration and Management for efficient daily operations of a full-

fledged Branch.

Achieve targets for various business parameters like deposits, advances, non

interest income and NPA levels.

Increase client base through developing new deposits and loan business.

Achieves branch sales goals through new business sales, referrals and retention of

account relationships.

Perform the roles as a Clearing house.

Provide leadership, training and supervision.

Delegates day to day operations to the other branch personnel.

Responsible for attaining targeted branch goals through active participation in

management and officer call programs.

District Coordinator for coordinating with the State Level Banker’s Committee

(SLBC).

Participate in community affairs to increase the Bank's visibility and to enhance

new and existing business opportunities.

Perform duties in such management capacities as directed by the Regional

Manager.

Handle alternate Business Channels like Bank Assurance, Mutual Funds etc

2004-2009

Senior Manager at Treasury and International Banking Division – Nariman

Point,Mumbai

Worked at the Front Office, back office and Mid Office of the Treasury.

3/7

Responsibilities included dealing activities in Gsecs, Call, CBLO, Mutual funds as

well as Non SLR securities like Commercial Paper, CODs, Debentures.

Responsibilities for Settlements and Payments at Back Office.

Dealing in Derivatives and Interest Rate Swaps.

Risk Management Systems and Controls in the Mid Office.

Working and putting up Scenario Analysis.

Computation of VaR and Modified Duration.

Computation of Capital charge for Market risk.

“What if” Analysis / Scenario Analysis.

Design the solution for Valuation of Investments.

Developed the algorithm to design a customized solution for Bank for valuation of

Investments using the Yield Curves and FIMMDA values and designed the system

to undertake Valuation of Investments comprising of myriad investment products

and the same was updated on an ongoing basis.

Designed excel sheets for Market Risk Measurement.

Computation of Capital Charge for Market Risk in line with the guidelines of RBI.

Implementation of B@ncs Treasury (TCS) for Bank of Maharashtra Treasury.

B@ncs treasury( A TCS product) is an integrated banking system with a modern

architecture. It supports treasury and foreign exchange operations in multi-

currency, multi-branch environment. It has configurable object-based design and

workflow management features. B@ncs enables foreign exchange and treasury

operations, securities trading, portfolio management, payments and funds transfer,

foreign exchange transactions, and security management.

Responsibilities

Team Leader

Legacy System Study, GAP Study.

GAP Crystallization.

Charter of Accounts.

Data Migration.

Posting Matrix.

UAT process.

Provide various functional specifications for customized modules.

Documentation.

Parallel run, reverse parallel run.

Conducted post-implementation of B@ncs Treasury to ensure that the system

solution evolves with the emerging business needs.

Team Leader to undertake the “Product Evaluation” in respect of Core Banking

Solutions “Finacle” by Infosys Technologies and B@ncs-24 by TCS Ltd. and

submit feasibility report to assess its suitability to the Bank.

Worked on B@NCS-24, Core Banking Solution.

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2003-2004

Assignment: Initial Public Offering (Bank’s IPO)

Actively involved in the successful implementation of the IPO process for the Bank

Roles included drafting the “Offer Document” or “Prospectus” and also completing

the due diligence exercise in this regard.

Putting up recommendation notes for Appointments of Merchant Bankers,

Registrars to the Issue, Lead managers to issue, Co-Managers, Brokers to Issue etc.

Coordinating with the Merchant bankers and other intermediaries.

Involved in arranging the Road Shows prior to subscription.

Post Opening of Issue, assignment included coordination with the Registrars in

completing the consolidation of the applications and finalization of the allotment

and refund of excess amount in case of unsuccessful bids and issuance of shares in

respect of successful bids.

Handling Investor complaints and redresses the same.

2000-2003

Assignment: Credit and Credit Risk Dept at Head Office, Pune.

Draft and finalise the Risk Management Policy for the Bank in line with RBI

guidelines.

Designing various Credit Risk Models to assess Credit Risk for Bank’s credit

portfolio.

Active Team member in designing the first Credit Risk Rating Framework for the

Bank.

Provide logic for IT Dept to develop a user friendly solution to make available the

Credit Risk Rating Model online.

Also worked on the Bank’s Risk based Profiling as per RBI guidelines.

1997-2000

Assignment: Credit Appraisal Officer at Zonal and HO levels – Regional Office Pune

City and Head Office, Pune.

Monitor credit performance of allotted Zones and handle issues on credit related to

these Zones. Had Major Zones Delhi and Nagpur allotted to me.

Processing of Credit proposals on a timely manner based on stipulated guidelines

and policy rules.

Carried out financial analysis of CMA and credit appraisal of proposals received

from branches / Zones for various credit limits small, mid and large corporates.

Prepare appraisal notes for approval by sanctioning authorities.

Carried out Project appraisals of the project finance proposals from corporates.

To whet the project finance / term loans / working capital finance proposals before

forwarding to the sanctioning authorities.

Draft the Credit and Lending Policy as well as the Loan recovery Policy for the

Bank in tune with RBI guidelines.

Design various Lending Schemes for the Bank.

1993-1997

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Branch Head – Medium Size Branch – Ale Branch Dist Pune.

Overseeing the administration of the Bank branch and completely responsible for

its smooth functioning and manage day-to-day operations.

Day to day operations include cash management, staff management, loan

disbursements, remittances, clearing and cheque collections.

Responsible for the physical security and appearance of the branch facilities.

Market and get new deposits and loan business.

Loan business covered retails loans, agriculture loans and loans under various

Government sponsored schemes. Also included field visits for due diligence and

verification of documents and facts.

Handle customers and provide a high level of customer service.

Coordinate with the Lead Bank Officer in achieving the block targets and overall

district credit plans.

Maintain HR relations at the Branch through coaching, guidance and motivation.

Resolve HR issues and move ahead with the goals of the branch.

Responsible for attaining targeted branch goals.

Delegate day to day operations to the other branch personnel.

Participate in community affairs to increase the Bank's visibility and to enhance

new and existing business opportunities.

1988-1992

Assignment: Credit Appraisal Officer – Advances Department, Fort Branch Mumbai.

Processing of Credit proposals on a timely manner based on stipulated guidelines

and policy rules.

Verify and validate applicant’s data/documents provided.

Conduct field visit as and when required.

Analyze and monitor existing and proposed credit exposures, identify developing

risks, assisting in the structuring of credit exposures and make recommendations to

the ultimate decision makers.

Research, monitor and analyze the ongoing performance of existing clients,

transactions etc.

Annual reassessments and make recommendations to credit approvers.

Certification and Trainings

Prominent Training programmes / Cou rses:

Period Name of the Course Institution

July 2014 Trade Finance and Forex Treasury National Institute of Banking

Studies and Corporate

Management ( NIBSCOM)

Noida

April 2010 Executive Management Programme National Institute of Bank

Management (NIBM), Pune

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August 2007 Intensive Integrated Treasury National Institute of Bank

Management Management (NIBM), Pune

Through Dec Oracle 11i Navigation, Oracle Application Oracle Corporation India

2006 to Feb 2007 E-Business Suite, Oracle General Ledger,

Oracle Accounts Receivable, Oracle Cash

Management.

November 2006 Managing non SLR Investments National Institute of Bank

Management (NIBM), Pune

January 2005 Cap M Bond Bourse programme Cam M Consulting, Mumbai

December 2004 Debt Securities and Treasury Management S.P. Jain Management Institute,

Mumbai

January 2003 Risk Based Supervision Bankers Training College –

RBI Mumbai

May 2001 IT Training Bank of Maharashtra IT

Training Institute Pune

Oct 1998 Programme on Credit Appraisal and Bankers Training College –

Management RBI Mumbai

Academic Credentials

2006-07 : Oracle Corp Certificate Courses in Oracle 11i Financials

1987 : IMDR Pune Diploma in System Analysis

1986 : IIBF Mumbai Certified Associate of Indian Inst of Bankers

(CAIIB)

1982 : Pune University Graduation in Science (Mathematics)

Personal Details

: 21st August 1961

Date of Birth

Marital Status : Married

Language Known : English, Hindi, Marathi and Malayalam

Nationality : Indian

Passport : Valid Indian Passport

Relocation : Willing to relocate

Salary Compensation : Negotiable

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