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R RAMESH M.Com., B.L., CAIIB

A-*, Gokul Apartments,

# **/** ****** *** ******,

Mandaveli,, CHENNAI 600 028

Tel: +91-944*******/638*******

E-mail: adb1dp@r.postjobfree.com

“ Banking and accounts Professional with 39 years of experience in Trade finance, management of AR/AP/GL, setting up of bank lines, managing overseas companies and other treasury related activities and export and import documentation including handling of logistics, commercial matter and RBI compliance, LC/BG management and office administration” CAREER HISTORY

MANAGEMENT CONSULTANT – FREELANCER (Since Jan 2018) Providing Consultancy in:

Assessment of Working Capital requirements/trade finance/negotiation of limits with banks

Guidance in EXIM documentation/Third Country Merchanting Trade and procedures and related compliance under RBI/FEMA guidelines and logistics management/LC & BG management

Assistance to IPO documentation including various compliances under MCA regulations and management of bank accounts and liaison with merchant bankers/Credit Rating/handling Customs audit, CERA etc/managing AR/AP/GL

CARPENTER & PATERSON INDIA PVT LIMITED, CHENNAI (Nov 2016 to Dec 2017) This is an Indo-British joint venture manufacturing pipe supports systems and is a supplier to many large EPC contracting companies like Doosan, L & T and RIL. Position: Manager – Finance & Administration

Responsible for:

In charge of accounts upto finalization, liaison with banks, auditors and various consultants and government authories and handling factory accounts

Handling export and import transactions/LC & BG management, indirect tax assessments and other activities related to business requirements and internal administration and correspondence ACHIEVEMENTS

Got enhancement of bank lines by nearly 5 fold – from Rs.9.00 mio to 41.5 mio

Successfully handled Central Excise/Customs audits and Sales Tax assessments

Succesful migration to GST accounting with full availability of various input tax credits VA TECH WABAG LIMITED, CHENNAI (December 2005 to March 2016) This is an Indo Austrian Multi National Company specializing in complete Water Treatment Solutions including operation and setting up of treatment plants for drinking, desalination, sewerage, industrial water, effluent treatment etc., on turnkey basis.

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Position: Manager – Receivables Management

Responsible for:

Identification of Sticky and Non-Performing Receivables, devise strategies for collection, sales validation, regular follow-ups including personal visits and initiating legal measures/Project closures from financial and commercial angle

ACHIEVEMENTS

As in charge of O &M Receivables streamlined the collections of receivables from the states of Tamil Nadu, Karnataka, Kerala, Punjab, Delhi, West Bengal and Jharkand

Commercial and financial closure achieved for various major projects Position: Manager – Corporate Treasury

Responsible for:

Banking Relationship management, liaison with Consortium banks, setting up of credit lines ( fund and non-fund)/facilitating overseas remittances, Company Credit Rating, Management of Trade Finance, EXIM documentation and related compliances

Arranging and managing lines of credit with EXIM Bank of India under Buyers Credit for overseas projects, Project Export Management and Project Insurance and related compliances

Negotiation of export and import documents both within and outside LCs, monitoring of BRCs/FIRCs and filing of compliance documents

Complete work connected with setting up of Overseas subsidiaries/ managing their bank accounts/local audits/submission of detailed MIS to management and various statutory authories. ACHIEVEMENTS

Ensured timely availability of funds at a competitive pricing including overseas subsidiaries. During my tenure the overall credit exposure got expanded from Rs.400 crores to Rs.2037 crores while the overall average cost of funding got reduced from 1 % to 0.40 %

Enhanced the credit rating of the Company with ICRA by three notches within a period of three years

Successfully handled the export documents and Accounts Receivables for various overseas projects in Sri Lanka, Oman, Indonesia, Philippines, Yemen, Libya, Tanzania, Nepal and Nigeria – of which Sri Lanka and Tanzania under EXIM funding

Successfully handled the IPO operations of the Company and the IPO ‘Float Management’ was successfully done with various merchant bankers. The IPO of size Rs. 475.00 crores was handled successfully with an oversubscription of 35 times

Position: Deputy Manager – Commercial

Responsible for:

Vetting of Tender documents, Purchase Orders and commercial review of Projects and Contracts with the clients and all types of indirect tax matters like Central Excise, Customs etc and end to end solutions pertaining to Advance Licence/Project Registration Page 3 of 4

ACHIEVEMENTS

• Efficient vetting of various bid documents and Purchase orders with appropriate commercial and financial inputs from indirect taxes angle

• Streamlined export related strategy and handled the logistics and commercial documentations for various high ticket export orders in Oman, Indonesia – synchronized the whole operation in tune with the Company’s Objective of “Project Life Cycle Reduction” AEON’S CONSTRUCTION PRODUCTS LTD., CHENNAI (From March 2001 to Nov 2005) This is an ISO 9002 certified Company dealing in manufacturing and laying of pre-fabricated concrete and paver blocks.

Position: Manager – Finance

Responsible for:

Management and monitoring of AR/AP/GL, Central Excise, Customs, ESI, PF and other regulatory bodies

Liaison with Banks, various customers like BPCL, IOCL, HPCL, Container Corporation of India, Government Agencies/Departments and other business related interactions

Representing the Company before various authorities – Central Excise Tribunal, Labour Courts and other judicial and quasi-judicial authorities

ACHIEVEMENTS

• Management of accounts and finance upto finalization

• Successfully anchored the Company’s case before the Central Excise Tribunal which resulted in savings to the tune of Rs.2.50 crores to the Company

• Successfully anchored the Company’s export orders to Maldives, Sri Lanka – end to end execution with Duty free clearance, processing of shipping documents and closure of bond liabilities with zero cost to the company

THE TAMIL NADU PLASTICS MFRS’ ASSOCIATION ( From April 2000 to February 2001) This is a non-profit Organization representing the interests of more than 2500 plastic processors spread all over the states of Tamil Nadu and Pondicherry.

Position: Executive Secretary

Responsible for:

Organizing meetings, functions and editing and publishing the House magazine, office circulars, regular correspondence and routine office management

Liaison with various Government agencies like PCBs, Sales Tax and other trade bodies

Successfully anchored a comprehensive census of Plastic processors numbering 2500 across the state in close collaboration with ZDH – a German NGO jointly run by German government and many industrial houses in Germany

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SYNDICATE BANK (1978-1999)

Syndicate Bank is a leading Public Sector bank with a spread of around 3700 branches all over India. Position: Officer in Administrative Office

Marketing & Planning and Recoveries Department

Responsible for:

Control and supervision of branches in recovery management, monitoring of sticky accounts, settlement proposals and revival and nursing packages for sick units and NPAs and provisioning norms

Customer relationships, attending to complaints, devising marketing strategies and liaison with monitoring authorities and representing the bank before various forums like Consumer Courts, Banking Ombudsman, RBI, Bankers Consortium meetings etc

Handling public grievances, drafting official circulars and officials publicities and carrying out SWOT analysis from marketing angle/branch expansion Position: Assistant Manager at various locations (New Delhi, Mumbai, Chennai etc) Responsible for:

Supervision, control and overseeing the daily operations/administration of various end to end banking operations in the areas of retail banking, clearing, cash management, remittances and deposit mobilization and anchoring various audit programmes upto finalization

Handling various credit proposals and connected documentation, followup of sticky advances and initiating nursing programmes/recovery measures including suit filing, referring to BIFR and settlement proposals

EDUCATIONAL QUALIFICATIONS

• Post Graduate in Commerce – Madurai Kamaraj University

• Degree in Law – Bharathiar University, Coimbatore

• Certified Associate of the Indian Institute of Bankers, Mumbai PERSONAL HIGHLIGHTS

• Excel in interpersonal skills and superior communication techniques

• Can function effectively as an individual as well as a Team player with analytical skills and decision making abilities

• Functional working experience in public and private sector undertakings in multi cultural setups within India as well as at global level

• Recognized as a “Star Performer” at Global level by VA Tech Wabag Limited for successful management of overseas subsidiaries as cash positive entities from the date of operation PERSONAL INFORMATION

Date of Birth Aug 22, 1958

Family status Married – Two children

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