A top-performing Banking professional

Radha Krishnan Thampy

Salmiya, Kuwait

Mob: +965-********; Email: ********@*****.***

Candidate: Top Management (Banking / Financial Services)

A top-performing Banking professional with 27+ years’ all round experience in Conventional & Islamic banking in Middle East & India; Possess excellent skills in leadership, communication, people management, qualitative and quantitative analytical aptitude.

Technical Skill-set

• Credit: Relationship Management, Appraisal, risk assessment, approval, disbursement, credit administration, documentation, supervision, follow-up, monitoring, restructuring, project finance, impaired asset management, etc. in respect of Corporate, Mid Corporate, SME, Small Business, Retail, Agriculture, Treasury & Investment, etc.

• Retail Banking: Familiar with Retail Banking activities of a large Bank with over 1000 branches – which had host of retail asset and liability products with central & regional liability / asset products processing centers. Overseen setting up of onsite and offsite ATMs, issuance & management of debit cards, appraisal & approval of personal / housing / educational loans, etc.

• Business Strategy: Experienced in strategizing, planning & implementing result oriented business plans at whole bank level with large net work of branches.

• International Banking: Overseen country / bank / FII risk analysis; Approved and vetted trade finance transactions, risk participation, syndication, consortium lending, structured deposits, direct investment, restructuring, etc., Overseen working of overseas branches.

• Banking Operations: Managed banking operations from branches, Regional Headquarter as well as from Head Office. Supervised and implemented KYC /AML Norms. Overseen setting up of branches and the required infrastructure at urban & rural centers.

• Internal & External Audit - Strategizing & Implementing In-house & Outsourced Audits, Skill development of auditors & operating staff, etc. Managed external auditors, central bank auditors, etc.

• Human Resources: Managed staff up to 100 at large branches. Overseen selection of officers and implementation of human resources policies from Central Office of Bank with a contingent of staff of >200,000.

• Islamic Finance: Knowledge of Islamic banking products, Sharia process, Review of policies and procedures for financial products, etc.

Present Work Profile

Al Ahli Bank of Kuwait

Senior Manager – Credit Risk: February 2009 till present

• Review / Recommend all credit proposals received from Corporate / Overseas Branches / International Banking / Treasury & Investment; Attending Board / Management Credit Committees & facilitates decision making.

• Responsible for identifying, assessing, monitoring, measuring and controlling the broad spectrum of risk in Corporate Credit – Domestic & Overseas branches (Dubai & Abu Dhabi), International Banking - Multinationals, Financial Institutions, Country & Bank Risks, Treasury Investment Products etc. – total portfolio of US$3.5Bn

• Advising / facilitating the Management in fixing of country limits, bank limits, concentration limits, etc.

• Review of risk management mechanisms at periodical intervals to tune it to meet the challenging and dynamic environment.

• Participate in the formulation of risk procedures and monitor adherence to policies to minimize losses.

• Preparation / revision of Credit Risk Policy, Credit Risk Strategy, Credit Approval Matrix, Credit Policy, Guidelines & Procedures for the Bank in line with Basel II & ICAAP

• Portfolio analysis, post fact follow up & reporting – NPL, Past Dues, etc.

• Close coordination with business groups for improving the business, profits and management of assets through strategy / goal setting.

• Mentoring various stake holders responsible for managing risk in the bank.

Previous Employment Details

Kuwait International Bank

Manager – Credit Strategy & Operations – Islamic Commercial Banking: Sept 07 to Jan 2009

• Coordinating with Credit Administration for quick & effective delivery of credit.

• Portfolio Analysis of Corporate Credit with focus on profitability, economic-sector exposure analysis, impairment, security analysis, etc.

• Strategizing and implementing credit strategy and operations in 5 business divisions of Commercial Banking Department which caters to Corporate Clients and contributes 90% of Bank’s assets.

• Supervising and monitoring planning, budgeting and performance – business, income, profit, quality of assets of the business divisions. Organizing proactive follow up for prompt repayments and monitoring collections.

• Periodically reviewing credit policies and procedures for improving the end-to-end process for financing with focus on quality in delivery and cycle time.

• Collaborating closely with IT for technology applications and MIS requirements.

• Liaising with Auditors and supervising compliance of the reports.

• Assisting Head of Corporate Banking in recruitment and training and in day-to-day running of the department which has about 45 officers and staff.

• Representing the Department in the review meetings held by Top Management and made contributions for improving the business strategies of the Bank.

Axis Bank Ltd

Assistant Vice President: Mar 05 – August 2007

• Credit Audit: Assessed Risk in various areas of Credit (Corporate/SME/Trade/Small Business/ Agriculture/ Retail) and suggested mitigants

• Management Audit: Evaluated working of key departments like Corporate Credit, Treasury, Merchant Banking, Retail Banking, Depository Services, etc. and suggested measures for improving their efficiency.

• Branch Audit: Assessed Risk in the areas of Branch Operations, Trade Finance, Foreign Exchange, Information System, etc. and suggesting mitigants

• Operational Risk: Assessed operational risk in various systems and procedures and new products launched by the Bank.

• Special Audit / Investigations: Supervised and conducted special investigations / audit in specific areas or fraud as per the directions of Regulators, Board of Directors and Audit Committee.

• Anti Money Laundering; Oversight of review and investigations of suspicious transactions in banking and capital market transactions.

• Audit Plan & Strategies: Identified auditable entities, strategized and implemented audit plans by in house as well as outsourced auditors for ensuring seamless offsite and onsite audit of 500 branches and departments across the Bank in tune with the directions of Audit Committee & Regulators.

• Audit Committee of Board / Audit Committee of Executives: As Secretary to the ACB / ACE represented the Bank and compiled and presented reports and other relevant documentation to Audit Committee of the Board of Directors. Reporting included status of audit plan, special audit / investigations, frauds, synopsis of audit reports depending upon criticality of issues, compliance reports, closure reports, status of various issues relating to regulatory compliance / legal / fraud, Action Taken Reports, etc. Till Compliance Department was created, the compliance function was also handled by the Department.

• Audit Manuals: Prepared manuals for the auditors. Also prepared and periodically reviewed the checklists for audit by internal and external auditors.

• Administration: Recruited auditors, supervisors & staff and also external auditors for running the Department as well as for outsourcing audits. Supervised about 60 officers and staff in the Department and 60 outsourced audit firms across the country and resolves issues.

State Bank of India – August 1984 to February 2005

Held various positions like:

Assistant General Manager: Aug 2003 - Feb 2005

Chief Manager & Branch Head, Industries Branch: Oct 1999 - July 2003

Manager (Credit & Stressed Asset Management): Jul 1996 – Sept 1999

Senior Relationship Manager - Industries Branch: Jan 1992 - Jun 1996

Branch Head: Sept 1989 - Dec 1992

Relationship Manager: Aug 1986 - Jan 1989

Assistant Manager: Aug 1984 - Jul 1986

Responsibilities included:

• Headed a large size Industrial Finance Branch, a profit centre, entirely focused on Corporate Credit and supervised 50 specialized officers and staff and business operations in a fully computerized environment.

• Evaluated and reviewed financing requests from Corporate, SME, Trade, Small Business & Retail clients and approved /sanctioned credit proposals as per credit policy, delegated authority and credit portfolio strategy. Handled various kinds of credits – Term financing, Working Capital financing, Consortium finance, Consumer finance, Trade Finance, Project Finance, Finance to Financial Institutions, etc.

• Analyzed financial statements, assessed credit requirements & risk, analyzed and monitored portfolio risks, quality of assets, delinquency in portfolio, recovery of non-performing loans across 1000 branches in the State.

• Managed Credit approval work flow, undertook review and vetting of documents, monitored compliance of terms of sanctions and Supervised reporting of irregularities and submission of MIS

• Administered all credit systems (limits, collateral, risk rating, etc). Managed Credit Relationships, Credit Portfolio, Security, Collateral & Insurance. Monitored delinquent accounts, recovery of past dues, non-performing loans, etc.

• Assisted General Manager and Credit Committees in reviewing and evaluating financing requests received from Zonal Heads of the Bank for approval.

• Developed and implemented plans to achieve business goals, revenue growth, cost control, profit, quality of assets, etc. both at branches as well as at Head Quarter

• Supervised officials and staff numbering up to 100. Built a strong talent pipeline for business growth and continuity.

• Ensured strict compliance with all regulations and controls set by the Bank and external regulatory authorities.

• Held the position of Chief Manager, Credit & Stressed Asset Management at State Head Quarter of the Bank and intensified and accelerated efforts in 1000 branches for delivery of credit and management of stressed assets.

• Held positions of Relationship Manager, Senior Relationship Manager and Branch Heads of Retail Branches of the Bank

• Supervised selection of officers for various key departments like Credit, International Business, IT, , HR & Training, and special projects like Business Process Re-engineering, Business Strategy & Direction Setting, etc

• Oversaw placement of Managers, Senior Managers and Executives in terms of their profile in various Business Groups that had strength of 2500 officers.

• Oversaw alliances with external associations ( Industry, lawyers, valuers, agents, etc.) and maintained liaison with government authorities and judiciary.

• Maintained liaison with judiciary & government machinery for business growth and recovery of stressed assets

Key Projects Handled

• ICAAP & Basel II Implementation in Al Ahli Bank of Kuwait

• Developed and implemented project for Optimizing Turn Around Time in credit delivery in Kuwait International Bank.

• Implemented Business Restructuring Plan in State Bank of India in collaboration with McKinsey & Co. for improving credit delivery, speeding up approvals, streamlining credit process, monitoring, reporting, etc

• Developed a Scheme for financing land to the Project Affected Persons of National Thermal Power Corporation in the State of Madhya Pradesh.

• Designed a product for financing 3000 vehicles to the workers of a large corporate customer.

• Prepared Operating Agency reports for Board for Industrial and Financial Reconstruction (India) for rehabilitating sick corporate clients.

• Strategized and implemented shifting of a computerized branch of State Bank of India.

Education

• 1983 Master of Arts (Economics)

Professional Qualification

• 1986 Certified Associate of Indian Institute of Bankers’ (CAIIB)

Training & Seminars

• Program on Islamic Finance

• Program on Rehabilitation of Industrial Sick Units.

• Credit Appraisal Program for high value industrial credits.

• Program on Management of Non-Performing Assets.

• Attended ‘Creativity and Innovation Lab on Six Thinking Hats and Lateral Thinking by Edward de Bono’.

• Course on Application of Computers in Banks from IIT, Kanpur.

• EDP in Computer Usage and Applications from BITS, Lucknow.

• Training on behavioral science & Management Development Program.

Personal Particulars

• Date of birth: 25 May 1956

• Passport details: G5619241 dated 24.03.2008

• Fluent in English, Hindi and Malayalam

Membership

• Life member of Indian Institute of Bankers

IT Skill

Proficient in

• Microsoft Word, Excel and Power Point

• Bank Master and IBS Net – computer software used in State Bank of India

• FINACLE

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