Management Customer

Ramakrishna P

Address:

Door No ***, I Main, I Cross,

Vivekananda Road

Ramamurthy Nagar

Bangalore - 560016 +91-903*******

*****.****@*****.***

OBJECTIVE AND CAREER GOAL

To work for the organization to the best of my knowledge and ability from where the organization could benefit from my services and provide me with knowledge that are professionally important to me.

ABOUT ME

Qualified Cost and Management Accountant (CMA) with 2 years of experience in banking industry and 3 years of Chartered Accountancy Article-ship experience.

EDUCATIONAL QUALIFICATIONS

Professional Qualifications:

CMA - Final (All India 35st Rank) from ICWAI, Kolkata.

CMA - Inter (All India 47th Rank) from ICWAI, Kolkata.

CA -IPCC from ICAI, New Delhi

Academic Qualifications:

Graduate in BBM, Secured 76%, from Gulbarga University, Gulbarga in 2008

Class-12th with Commerce, secured 73.66% from CMN College, Karatagi in 2005

EXPERIENCE

Name of the organization : Kotak Mahindra Bank Limited

Experience : 2 years (June’14 to June’16)

Designation : Credit Manager

Product : Loan Against Properties – Mortgage

Roles and Responsibilities:

Understanding the credit worthiness of the customer through various tools:

Ratio analysis (Debt equity ratio, working capital ratio, net-worth, Gross profit ratio, Net profit ratio), LTV, FOIR calculation, Analysis of Balance Sheet with regards to Source of funds and Application of funds.

Understanding Business environment via personal discussion with customer:

Type of industry sector in which entity is situated, understanding of entity performance compared to the industry performance, Understanding the risks involved in the industry and mitigates.

Structuring of the case proposals for Balance Transfer, Closure and Top ups.

Fraud checks through tools like web relevant.

Working for common goal via coordinating with various teams’ viz., Sales, Legal, Technical, Operational, and Customer Care.

Understanding the property offered as collateral to consider for the proposal based on type of property offered.

Taking overall decision based on financials, property offered, CIBIL track record, business profile and intention of the customer.

Managing the team of Credit Process Associates with regard to files logins and disbursement

Coordinating with all technical teams to resolve issues aroused during processing of the cases.

Chartered Accountancy Article-ship experience:

Name of the organization : LK Saraf and Co, Bangalore

Experience : 3 years (Aug’2010 to Aug’2013)

Designation : Article Assistant

Roles and Responsibilities:

Monthly updation of accounts of the clients

Management of accounts receivables and payables

Assisting customer in management of proper books of accounts

Reconciliation of bank statements

Conducting quarterly audit

Extracting reports as per requirement of client

Setting up checklist for monthly payment of bills, salaries

Assisting in proper inventory management

Assisting customer in the performance of business

Compliance of VAT returns, Service tax returns, Income tax returns

COMPUTER SKILL SETS

Working knowledge in MS Office tools especially in word, excel and power point.

Well versed with all the versions of Tally Accounting package.

Speed typing skill

ACHIEVEMENTS

Secured All India 35st Rank in CMA Final.

Secured All India 47th Rank in CMA Inter.

Secured Distinction in Graduation (Bachelor of Business Management)

Secured 76 marks in Cost and Management Accounting

STRENGTHS

Ability to work efficiently as a team member and independently.

Confident and very much interested towards tackling new challenges.

Patience and Commitment is my ultimate strength which makes me work with high energy levels in any kind of environment and achieve positive results.

PERSONAL DETAILS

Name : Ramakrishna Pampana

Father’s Name : Ramalingeshwar Rao

Date of Birth : 15.05.1987

Marital Status : Single

Nationality : Indian

Sex : Male

Hobbies : Listening to Music, Playing Cricket

Language Known : English, Telugu & Kannada

Permanent Address :C/o Ramalingeshwar Rao

NN Camp,

Balaganur Post,

Sindhanur Tq,

Raichur Dt,

Karnataka - 584138

DECLARATION

I hereby declare that the information given above is true to the best of my knowledge. I will make it my earnest endeavor to discharge competently and carefully the duties you may be pleased to entrust with me.

Place: Bangalore (Ramakrishna P)

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