T V BALASUBRAMANIAN

Email: adnew3@r.postjobfree.com, adnew3@r.postjobfree.com

Mobile: +1-315-***-**** / +256-***-****** / +91-984**-***** (WhatsApp)

(Having B1/B2 visa for USA valid until January 2030)

To obtain a challenging position in the field of BFSI Sector that will enable me to utilize my experience and skills for organizational growth and help me reach higher echelons.

SYNOPSIS

Banking professional with rich experience in Banking and Banking domain. Expertise in Trade Finance Operations, Treasury Operations, Credit operations lifecycle, Banking operations, Anti Money Laundering, KYC, CDD, EDD, Business Analysis, Project Management, evaluation, requirement gathering in design and support services. Having strong analytical & problem-solving skills. Working Experience in T24, Finacle and AML FCM Suite.

BANKING KNOWLEDGE

Treasury and Trade Finance

Credit Operations and Risk

Treasury - Forex, Money Market, SWAPS, Futures, Options

Retail and Business Banking

SWIFT and payment system

Corporate Banking

Anti-Money Laundering & KYC, CDD & EDD, TBML

Asset Liability Management (ALM)

Banking Related IT Projects

User Acceptance Testing & Business Analysis

WORK EXPERIENCE

Head of Credit & in charge of IT department, Yako Bank, Kampala, Uganda since Aug 2018 to Till Date

Reporting to the Managing Director

Supervise Credit, Finance, Compliance, IT and Operations departments

Support the Management and Board in development of a strategic plan for the bank

Continually drive efficiency of the balance sheet with growth in all aspects

Provide leadership in developing and implementing business plans and budgets and measure performance of respective units

Designing of new products and supporting IT team in fixing issues raising in banking related activities

Drive cost optimization across the entire bank and at branch levels

Ensure zero tolerance of regulatory breaches through compliance to FIA and local regulation

Ensure risks are properly identified, monitored, managed and mitigated

Continuously review the Bank’s processes and system and initiate required actions to improve them as and when required

Approval of Credit files for sanctioning loans as executive committee member

Leading a team for Digital Banking project for sourcing and collection module

Improving the business tie ups with various companies to get a study and continuous flow of business

Guiding the management and board in taking important strategic decisions

Actively participate in board meetings and guiding on latest developments in the industry

Writing of various policies related to banking according to the regulatory and central bank guidelines

Improving the operational efficiency of the entire organization

Senior Consultant, Optimum Solutions Pte Ltd, Singapore for Oct 2018

Analyzing of Audit Confirmation Report of a Bank

Providing the logics behind the report generation. Especially for Trade Finance, Treasury and general banking modules in SMBC Bank project.

Preparation of Test Scenarios, test Cases and test Schedules from the analysis made to get the data source from T24

Senior Functional Consultant, 3Mind Strategic, Puebla, Mexico since Jan 2018 to May 2018

Preparation FSD Document based on the BRDs

Reviewing of FSD for Q & A Purposes

Providing Training to the Technical and Functional Consultants on Banking Products and Procedures

Helping Project Managers on their day to day activities

Reviewing of developments for confirmation of user requirements

Preparation of User Guide for the module developments

Software Consultant, Avensys Consulting Pte Ltd., Singapore since April 2017 to November 2017

Working as a PMO, Test Lead and Business Analyst in T24 & AML project of a large International Bank at Singapore

Preparation of BRD for the business requirement and providing guidance to technical team.

Suggesting the related features with regard to the business requirements in order to give a permanent and complete solution.

Actively participating in the weekly and daily meetings in resolving the issues

Good in understanding the business requirements and preparing GAP analysis

Guiding teams on the business scenarios and expected outcome / test results

Analyzing of the data flow from T24 to AML Suite and validation of the results

Good in preparing project reports and follow-ups with various stake holders for the progress as per schedule

Escalation the issues wherever faced to the appropriate authorities to bring it to their notice and getting immediate resolutions.

Suggested various system related observations for correction in order to arrest the loop holes in the system.

Changes in process on account of migration were documented for preparing the operations manual.

Senior Manager, Treasury and Trade Finance, DFCU Bank Ltd / Crane Bank, Kampala, Uganda since September 2014 to February 2017

Heading the Treasury, remittances and Trade Finance Departments of the Bank.

Monitoring & reviewing of the treasury operations done by the dealers.

Providing extensive support and guidance to the dealers

Analyzed Business flow on Credit operations for successful implementation of Loans module in T24 for limit setup, Interest application / accruals, past due calculations, non-performing loans monitoring and provisioning.

Have thorough work experience in limit sanction processing of fund based as well as non-fund based limits.

Preparing and providing Asset Liability Management Report and its insight to the management for major decision making on the liquidity management and interest rate decisions.

Done a thorough study on the Treasury and Trade Finance operations of the bank and submitted a report to top management with corrective guidelines and procedures

Checking the margin call on outstanding deals of the customer based on the MTM

Handling Training sessions on Trade Finance, Foreign Exchange, Treasury operations, AML, etc to various group of employees

Implemented SWIFT interface and RTGS in T24 for Straight Through Processing (STP).

Conducted Training on Trade Finance on behalf of Frankfurt School of Finance & Management, Frankfurt, Germany as a consultant

Chief Manager (II) & Head – Finacle Migration, Senior Test Manager / Business Analyust, ICICI Bank, India since Nov 2012 to Sep 2014

Monitoring the testing done by Infosys Ltd

Managing the entire project to move as per the prescribed timelines

Organising, conducting and involved in the daily, weekly and project meetings

Providing extensive support and guidance to testing team

Reviewing test results and evidences updated in HPQC Package by both Infosys and Internal UAT Team

Custodian for all testing related documents placed in HPQC.

Coordinating with various business units for business cases to guide the testing team.

Carrying out an independent testing of Finacle 10.2.12 version

Expertise in handling big team size of more than 100 members during UAT from various business groups

Conducted audit on the testing done by various internal user teams.

Handled a team of 30 testers from Infosys talents for their testing activities and imparting banking practices and knowhow through training sessions

Chief Manager (II) & Business Banking Branch Head, ICICI Bank, Chennai Main Branch, India from Nov 2010 to Oct 2012

Handling Business Lending (SME Segment) for a cluster of 13 Branches

Managing a Team of Sales Managers, Relationship Managers and Credit Managers

Joint approval of fresh loan proposals and review, renewals of existing portfolio

Credit applications processing and analyzing proposals for correctness of data. Sanctioning of loans. Documentations, Credit limit setup, credit monitoring, Margin calculation

Good in Fund based and non fund based limit requirements and work flow.

Overseeing the retail and Trade Sales and Operations of a large Branch with GL size of Rs.200+ Crores

Monitoring and ensuring in complying of EDD guidelines of the bank

Improving the business of the branch in Business Banking activities

Acting Chief Financial Officer, Kabul Bank, Kabul, Afghanistan from Apr 2010 to Oct 2010

Asset / Liability Management, Financial Planning, Budgeting and Forecasting, Profitability Analysis and Reporting & Internal / External Reporting.

Manager (Treasury), Axis Bank, Southern Zonal Office, Chennai, India from Jul 2008 to Apr 2010

Controlling the Treasury Operations of 55 B-Category branches in South Zone comprising of 4 southern states

Closely monitoring the performance of branches and guiding to achieve the set targets

Successfully achieved the Income and Volume targets for the two years

Extensive travelling to branches to provide advisory services and to build new relationships

Liaisoning with Operations and Business verticals for smooth and timely flow of transactions

Maintaining the relationship with existing clients by providing advisory services to increase the Trade revenue and cross selling of other services

Organized and conducted customer meets at various locations

Conducted Quarterly FEMA audit at B-Category Branches

Manager (Forex), Axis Bank, Karur Branch, Karur, India from Dec 2006 to Jun 2008

Monitoring overall function of the Forex Department, identifying improvement areas to maximize customer satisfaction level

Analyzing requirements of Trade Customers and suggesting suitable Forex solutions according to their portfolio which ensures the best returns

Successfully achieved the Income and Volume targets of Rs.13 & Rs.3000 Millions

Bringing and nurturing the new to bank relationships

Sensitizing the customers on the forex rate movements and guiding customers on latest developments

Coordinating with dealing room and customers to finalize the forex rates and derivative deals

Controlling Import & Export Bills, Inward & Outward – Remittances, LCs, BGs and SWIFT Operations

Pre and Post Shipment Finance disbursements

Handling Forward Contracts, Plain Vanilla Options and derivative deals

Ensuring to control on trade based money laundering

Cross selling of bank’s other products, with enhanced focus on liability side

Timely submission of periodical returns / repots to RBI, ECGC and top management

Asst. Manager (HRM), Indian Bank, Head Office, Chennai from May 2006 to Dec 2006

Sanctioning Annual Increments to all officers working in the bank

Putting up notes to GM for leave approval of all executives across the bank

Sanctioning of Leave to all officers in Head Office

Asst. Manager (Trade Finance), Indian Bank, New Delhi Main Branch from Sep 2002 to Apr 2006

In Trade Finance Desk

Heading Imports, Exports, Remittances, Treasury Back Office, Nostro Reconciliation, Rupee revaluation departments of an A-Category Branch

Controlling issuance and advising of Import & Inland LCs, BGs, Bills on Collection and Under LCs

Controlling Export Bills under collection, discount and negotiation and regular follow up for overdue bills

Managing the Inward and outward remittances along with DD issuance, Purchase & Sale of TC and currency

Packing Credit disbursements

Maintaining the Laser Soft Package for Imports & Exports and legacy package for remittances

Having exposure in handling SWIFT installation, backups and message handling

In Treasury Desk – Dealing Room and Back Office

Maintaining the rate scan register and dealers pad

Calculating the card rates for all Forex transactions as per FEDAI Guidelines and communication to branches

Monitoring the market fluctuations and taking appropriate steps to minimize the loss due to adverse movement

Recording all Purchase, Sale and Forward positions in mirror pad and funds register to watch daylight and overnight limits

Proper management of foreign currency resources by deploying in Overnight or short term deposits

Revaluation of Nostro Mirror and Forward Position

Maintaining FCNR(B), EEFC and RFC accounts and FC cheque collection and purchases of B-Category branches

Front Line Staff, Indian Bank, Various locations from Dec 1993 to Sep 2002

In Staff Training Centre, Chennai – Preparing study materials, programme schedule and arranging guest lectures

In Retail Branch – Various locations – Entire retail banking activities like handling of clearing, CASA deposits, term deposits, cash, retail loans, agriculture loans, remittances and statement preparation

TRAINING & CERTIFICATIONS

Attended Trainings on:

oMoney Market and Capital Markets Managerial Effectiveness & Presentation Skill

oManager as Facilitator

oForex and Credit

oBusiness Continuity Management

oConducted Trade Finance Training on behalf of Frankfurt School of Finance and Management, Frankfurt, Germany for a bank in Malawi

VOLUNTEERING EXPERIENCE

Chief Financial Officer and Board Member, Year 3000 Enterprise, Muhldorf am Inn, Germany since April 2021 to Till Date

To support and analyze the investment related decision of the company

Providing financial analysis and forecast of the acquiring company

Providing inputs to improve the Return On Equity to the management team.

To evaluate the quality of earnings of each company to assess their value

Providing advisory service for managing the acquired companies

Board of Director, Lifeline Ecoenergy Limited, Uganda (a subsidiary of Lifeline International Fund (ILF), USA - A voluntary and non-remunerative assignment) – Oct 2020 to Till Date

To support the purpose and mission of the organization to assist in carrying out its work.

Governance-related responsibilities, financial oversight, strategic direction, review of CEO performance;

Legal, fiscal and moral responsibility;

Attendance (virtually) at 2 – 4 board meetings per year.

Active participation in fundraising activities.

Working with fellow board members and staff toward the achievement of the organization’s goals

Board Member, Rebatissons Community Development LLC, Louisville, Kentucky, USA - A voluntary and non-remunerative assignment) – April 2021 to Till Date

To support in building innovative community building

An Non-profit organization to assist and provide pathway to prosperity to organization

Consulting services to organizations to solve their problem and for development

EDUCATIONAL QUALIFICATIONS

Bachelor of Science from College, University of Madras, Chennai in 1990

Bachelor of Education from University of Madras in 1991

Post Graduate Diploma in Financial Management (PFDFM) from IGNOU, New Delhi in 2000

Post Graduate Diploma in Management (PGDIM)from IGNOU, New Delhi

Professional Qualification

NISM Series I: Currency Derivatives Certification Examination from NSE in 2010

CAIIB from IIBF (Indian Institute of Banking and Finance), Mumbai in 2000

PERSONAL PROFILE & REFERENCES

Languages Known : English, Tamil, Telugu and Hindi

Location Preference : Open for any location

References : On request

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