Finance Operations Project Management
Resume:
T V BALASUBRAMANIAN
Email: ********@*****.***, **********@*****.***
Mobile: +256-***-***-*** / +91-984**-***** (WhatsApp)
Dynamic banking professional seeking a challenging position within the BFSI sector to utilize my extensive experience and skills, driving organizational growth and personal advancement.
Summary
Results-driven banking professional with a proven track record in diverse banking operations. Adept in managing the Credit Operation lifecycle, Trade Finance Operations, Treasury Operations, Retail Banking, Anti Money Laundering (AML), KYC/CDD/EDD, Business Analysis, Project Management, and requirement gathering. Exceptional analytical and problem-solving abilities.
Areas of Expertise
Treasury and Trade Finance
Credit Operations and Risk Management
Treasury - Forex, Money Market, SWAPS, Futures, Options
Retail and Business Banking
SWIFT and payment system
Corporate Banking
Anti-Money Laundering (AML) and KYC/CDD/EDD
Asset Liability Management (ALM)
Trade-Based Money Laundering
User Acceptance Testing & Business Analysis
Correspondent Banking relationships
Banking Related IT Projects
Experience
Chief Executive Officer, AOE Financial Services Limited, Kampala, Uganda since Dec 2023
Developing and implementing the company's strategic vision and direction.
Overseeing all day-to-day operations and ensuring the company's financial health.
Leading and motivating the management team.
Representing the company to external stakeholders.
Ensuring compliance with all relevant laws and regulations.
Achieved the growth rate of more than 35 % in business within a period of one year and reduced the NPA portfolio drastically will profitability has increased by 300%.
AVP – Banking, JMR Info Tech Middle East FZC, UAE since Oct 2022 to Sep 2023
As a Program Manager, overseeing multiple projects concurrently.
Conducting project planning, facilitating product walkthroughs, closely monitoring and maintaining risk register.
Utilizing Microsoft Project Professional to track and monitor project timelines and milestones effectively.
Ensuring projects adhere to established schedules and proactively monitoring progress.
Facilitating seamless coordination between various stakeholders across multiple projects.
Organizing and leading regular meetings, including Steering Committee sessions, monthly reviews, weekly updates, and daily check-ins.
Providing guidance and support to Project Managers, technical teams, functional teams, and business teams.
Proficient in utilizing Microsoft Project Plan tool and defect management tools.
Executive Director, Yako Bank Uganda Limited, Kampala, Uganda since Aug 2018 to Oct 2022
Led professional team in Credit, Finance, Compliance, IT, and Operations departments, ensuring effective oversight and coordination.
Supported the Management and Board in developing a strategic plan for the bank, aligning with organizational goals and industry trends.
Continuously drove efficiency of the balance sheet while fostering growth in all aspects of the bank's operations.
Provided leadership in developing and implementing business plans and budgets, while monitoring the performance of respective units.
Ensured regulatory compliance and maintained proactive communication with the central bank for all banking-related activities.
Balance sheet has grown double annually with increase in income by more than 200%
Implemented cost optimization initiatives across the entire bank, including branch levels, to enhance operational efficiency.
Maintained zero tolerance for regulatory breaches by enforcing compliance with Financial Intelligence Authority (FIA) and local regulations.
Identified, monitored, managed, and mitigated risks to safeguard the bank's interests.
Conducted regular reviews of the bank's processes and systems, identifying areas for improvement and implementing enhancements.
Developed a clearing model for Tier 2 Financial Institutions, streamlining clearing processes and enhancing efficiency.
Approved credit files for sanctioning loans as an executive committee member, ensuring thorough evaluation and risk assessment.
Led a team for the Digital Banking project, specifically focusing on the sourcing and collection module.
Drafted various policies related to banking, adhering to regulatory and central bank guidelines.
Improved operational efficiency throughout the organization by implementing strategic measures and optimizing processes.
Managed the Bancassurance relationship with individual, corporate, and insurance service providers, driving mutual growth and profitability.
Engaged with investors, providing them with comprehensive and accurate data for analysis and investment decisions.
Assisted in identifying firms and organizations interested in funding opportunities in East Africa, promoting economic development and collaboration.
Head of Credit
Approved credit files for loan sanctioning as an executive committee member, ensuring comprehensive evaluation and risk assessment.
Supported the Management and Board in the development of a strategic plan for the bank, aligning with organizational objectives and industry trends.
Played a pivotal role in building the organization, from designing policies and procedures to elevate it to a higher level of performance.
Over the course of three years, the credit portfolio has witnessed a staggering growth of 1500%, accompanied by a substantial decrease in non-performing assets (NPAs) from 20% to below 1.5%.
Implemented a streamlined due diligence process to ensure risk-free lending and prevent fraudulent activities
Designed new products and collaborated with the IT team to address banking-related issues, ensuring smooth operations and customer satisfaction.
Provided guidance in the implementation of the AML module, including risk profiling and transaction monitoring rules, within the core banking system
Led a team for the Digital Banking project, specifically focusing on the sourcing and collection module, enhancing the bank's digital capabilities.
Strengthened business ties with various companies, fostering strategic partnerships and ensuring a steady flow of business opportunities.
Provided guidance to the management and board in making important strategic decisions, leveraging industry expertise and market insights.
Senior Functional Consultant, 3Mind Strategic, Puebla, Mexico since Jan 2018 to May 2018
Prepared Functional Specification Document (FSD) based on Business Requirements Documents (BRDs), ensuring accurate translation of business needs into technical requirements.
Reviewed FSDs for question and answer purposes, ensuring clarity and completeness of the document.
Provided training to both technical and functional consultants on banking products and procedures, equipping them with the necessary knowledge and skills.
Assisted Project Managers with their day-to-day activities, offering support and guidance to ensure project success.
Reviewed developments to confirm alignment with user requirements, maintaining a strong focus on delivering solutions that meet client expectations.
Prepared user guides for module developments, providing clear and comprehensive instructions for end-users.
Software Consultant, Avensys Consulting Pte Ltd., Singapore since Apr 2017 to Nov 2017
Worked as a PMO, Test Lead, and Business Analyst in the T24 & AML project for a large international bank in Singapore.
Set up rules to cover onboarding, Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Sanctions, Office of Foreign Assets Control (OFAC), and Foreign Account Tax Compliance Act (FATCA).
Prepared Business Requirements Documents (BRDs) based on the business requirements and provided guidance to the technical team.
Suggested relevant features to address business requirements, ensuring comprehensive and permanent solutions.
Actively participated in weekly and daily meetings, resolving issues and ensuring smooth project execution.
Demonstrated a strong understanding of business requirements and conducted GAP analysis to identify areas for improvement.
Provided guidance to teams on business scenarios and expected outcomes/test results.
Analyzed data flow from T24 to AML Suite and validated the results to ensure accuracy and compliance.
Proficient in preparing project reports and conducting follow-ups with various stakeholders to track progress against the schedule.
Escalated issues to appropriate authorities for prompt resolution, ensuring timely resolution of challenges.
Suggested system-related observations for correction, identifying and addressing any loopholes in the system.
Documented changes in processes due to migration for the preparation of the operations manual.
Senior Manager, Treasury and Trade Finance, DFCU Bank Ltd / Crane Bank, Kampala, Uganda since Sep 2014 to Feb 2017
Headed the Treasury, Remittances, and Trade Finance departments of the bank, overseeing their operations and performance.
Monitored and reviewed treasury operations conducted by the dealers, ensuring compliance with policies and procedures.
Cultivated and maintained strong relationships with correspondent banks to facilitate proper limits and smooth transaction flow.
Reviewed and approved Anti-Money Laundering (AML) and compliance questionnaires to establish relationships with international banks.
Prepared and provided Asset Liability Management (ALM) reports, offering insights to the management for crucial liquidity management and interest rate decisions.
Conducted audits to identify any gaps or non-compliance in the bank's operations, providing top management with corrective guidelines and procedures.
Verified margin calls on outstanding deals of customers based on mark-to-market (MTM) calculations.
Conducted training sessions on various topics including Trade Finance, Foreign Exchange, Treasury operations, and AML for different groups of employees.
Implemented SWIFT interface and Real-Time Gross Settlement (RTGS) in T24 system to achieve Straight Through Processing (STP) capabilities.
Served as a consultant, conducting training on Trade Finance on behalf of Frankfurt School of Finance & Management, Frankfurt, Germany.
Chief Manager (II), ICICI Bank, India since Nov 2010 to Sep 2014
Head – Finacle Migration Testing
Monitored the testing activities conducted by Infosys Ltd in Finacle 10.2.12 version, ensuring adherence to quality standards.
Managed the entire project to ensure timely migration as per prescribed timelines, overseeing all aspects of the migration process.
Organized and conducted daily, weekly, and project meetings, facilitating effective communication and collaboration among stakeholders.
Provided extensive support and guidance to the testing team, assisting them in understanding requirements and executing test cases.
Reviewed test results and evidence updated in the HP Quality Center (HPQC) package by both Infosys and the internal User Acceptance Testing (UAT) team.
Acted as the custodian for all testing-related documents stored in HPQC, maintaining documentation accuracy and accessibility.
Coordinated with various business units to gather business cases and requirements, guiding the testing team in aligning their efforts.
Demonstrated expertise in managing a large team of over 100 members during UAT, comprising individuals from different business groups.
Conducted audits on testing activities performed by various internal user teams, ensuring compliance with testing protocols and standards.
Led a team of 30 testers from Infosys, providing guidance, imparting banking practices, and conducting training sessions to enhance their skills and knowledge.
Business Banking Branch Head
Managed business lending for a cluster of 13 branches, specifically catering to the Small and Medium Enterprise (SME) segment.
Oversaw a team of Sales Managers, Relationship Managers, and Credit Managers, providing leadership and guidance.
Jointly approved fresh loan proposals and conducted reviews and renewals of the existing portfolio.
Processed credit applications and analyzed proposals to ensure data accuracy and adherence to guidelines. Sanctioned loans and managed documentation, credit limit setup, credit monitoring, and margin calculations.
Proficient in handling fund-based and non-fund-based limit requirements, including workflow management.
Supervised the retail and trade sales and operations of a large branch with a gross loan (GL) size of Rs. 200+ crores.
Monitored and ensured compliance with Enhanced Due Diligence (EDD) guidelines of the bank, safeguarding against financial risks.
Implemented strategies to improve business activities in Business Banking and drive Bancassurance sales within the branch.
Manager, Axis Bank, India from Dec 2006 to Apr 2010
At Southern Zonal Office
Oversaw Treasury Operations of 55 B-Category branches across 4 southern states in South Zone.
Monitored branch performance closely and provided guidance to achieve targets.
Maintained strong relationships with correspondent banks.
Successfully achieved income and volume targets for two years.
Traveled extensively to branches, offering advisory services and establishing new relationships.
Conducted quarterly FEMA audits at B-Category branches.
At Karur Branch
Monitored overall function of the Forex Department, identifying areas for improvement to maximize customer satisfaction.
Achieved income and volume targets of Rs. 13 million and Rs. 3000 million, respectively.
Managed Import & Export Bills, Remittances, LCs, BGs, and SWIFT Operations.
Handled Pre and Post Shipment Finance disbursements.
Dealt with Forward Contracts, Plain Vanilla Options, and derivative deals.
Ensured timely submission of periodic reports to RBI, ECGC, and top management.
Supported branch in achieving bancassurance targets through cross-selling various products
Asst. Manager, Indian Bank, India from Dec 1993 to Dec 2006
At HRM Dept
Approved annual increments for all officers in the bank.
Submitted leave approval requests to the General Manager (GM) for executives throughout the bank.
Sanctioned leave for officers at the Head Office.
In Trade Finance Desk
Headed the Imports, Exports, Remittances, Treasury Back Office, Nostro Reconciliation, and Rupee Revaluation departments at an A-Category Branch.
Managed the issuance and advising of Import & Inland LCs, BGs, Bills on Collection, and Under LCs.
Controlled Export Bills under collection, discount, and negotiation, ensuring timely follow-up for overdue bills.
Oversaw inward and outward remittances, along with DD issuance, purchase and sale of Traveler's Cheques (TC) and currency.
Managed Packing Credit disbursements.
Utilized Laser Soft Package for Imports & Exports and a legacy package for remittances.
In Treasury Desk – Dealing Room and Back Office
Maintained the rate scan register and dealers' pad.
Calculated card rates for all Forex transactions in adherence to FEDAI guidelines, communicating them to branches.
Conducted revaluation and reconciliation of Nostro Mirror and Forward Positions.
Managed FCNR(B), EEFC, and RFC accounts, as well as FC cheque collection and purchases for B-Category branches
Front Line Staff
In Staff Training Centre, Chennai – Preparing study materials, program 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
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 in 2003
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
LANGUAGE PROFECIENCY
Language
To Speak
To Read
To Write
English
Yes
Yes
Yes
Tamil
Yes
Yes
Yes
Hindi
Yes
Yes
No
Telugu
Yes
No
No
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