Resume CV : Micro Finance, Recovery, RIsk Compliance

[omsaratha]

Objective :
To seek a Top Management Position in a Banking Company

Work History :
1982 Till Date - Managerial Position In Indian Overseas Bank a leading Commercial Bank based at Chennai Presently working as Assistant General Manager In a exceptionally large branch at Chennai.
1978 to 1982 - Auditor In Coop.Dept Of Tamilnadu at Chennai
1977 - Lecturer In English In Govt Arts College for women Dindigul
Computer Skill : MS office ( Word, Excel & Power Point )

Skill Set :
Strong Leader & team player , Skilled in administrative and operational procedures , A confident and concise communicator, Excellence Club Member and Best Branch award winner due to the best customer service rendered , Ability to achieve business growth through best customer relationship management. Always willing to achieve immediate and long term goals and meet operational deadlines. Adept in credit appraisal /assessing the financial viability and economic viability of projects/proposals Vast Exposure in Rural /Priority/Industrial/Trade/ Corporate/ SME /Retail Credit
Well versed in administrative and operational procedures . Business process re-engineering, risk management, value added analysis, financial projections, financial and strategic planning, P & L management, and compliance, Excellent rapport with customers offering financial solution according to their needs.

Professional Experience :
28 years of rich experience in Banking, Promoted 4 times
Planned successful marketing and advertising strategies targeting and developing new accounts, bringing more business , Being customer centric expanded customer base, identified and resolved conflicts between public and Bank, employees and Management as senior manager. Initiated promotion of Bank products utilizing various Marketing methods. Target oriented and being appreciated for exceeding the targets set by the corporate office , Well trained in leadership and team building.

Areas of Expertise :
Exposure in Retail/ trade/ Industrial Finance/ rural credit/ Corporate /SME Banking Foreign Exchange/sale of Insurance/mutual fund products by way of cross selling.Business Growth by very good Relationship management. Presently heading a Branch with a business mix of more than Rs1100 crores.

Education and Training :
Post graduate ST. Mary’s College Tuticorin Madurai University, Cerified Associate of Institute of Indian Banks, Post graduate Diploma in Management, other seminars and training classes on credit appraisal and various banking issues at NIBM Pune , IIM Calcutta .

Professional Affiliation :
Associate faculty of Staff Training Centre/ college

Personal Profile :
Name :R.SARATHA
Age& Marital status : 58 years old, single
Hobbies : Travelling, Cooking, Gardening

[Guest]

RAVINDRA KUMAR
ravindra7aru AT yahoo.co.in
ravindra7aru AT gmail.com

Objective :
Seeking for Mid Level Assignments in Accounting /Finance/ Taxation with an esteemed organization

Experience :
- A result oriented professional with over 04 years of experience in Accounting & Finance, Fund Management, Cost Controlling, Training and Development.
- Presently associated with SKS Microfinance Limited, Delhi as an Accounts & Finance Executive.
- A proactive planner with managerial abilities in devising effective strategies for augmenting business.
- Expertise in efficiently managing the operations with key focus on profitability by ensuring the optimal utilization of the resources.
- A keen planner with proven track records of increasing the profitability of the company.
- Ability to quickly identify problems and successfully implement solutions.
- Competent and diligent professional with nearly ,4 years of cross-functional experience in Office Management, Accounts & Finance, Computer Operation, Clerical Support, Cost Controlling, Fund management and Relationship Management and swiftly ramping up support management while ensuring timely deliverables within pre-set cost parameters.
- Diligent team builder with sound analytical skills of self defining performance parameters and ability to objectively evaluate results, currently spearheading as Accounts & Finance Executive with SKS Microfinance Limited (Hyderabad based MFI).
- Expertise in managing Fund, Banking parts, Inter Office transaction and managing of accounts book using expert knowledge of MS Excel as well as proficient with net surfing.
- Experience in handling Operations Management, finance Reports, Process Development & Backend Operations activities in the cost-efficient manner with the unwavering quality standards.
- Consummate professional with excellent planning, execution, monitoring and resource balancing skills, attention to detail as well as the ability to build and lead the team effectively.

SKS MICROFINANCE LIMITED since September 2008 :
Accounts & Finance Executive :
- Involved in regularly preparation and maintenance of various management reports using Excel pertaining to daily operations and presenting the same to management for strategic review and performance mapping.
- Overview and verify books at the branch level. This includes vouching, verification of manual books, physical cash & books of accounts & Tax deduct at sources.
- Seamlessly liaising with over 1900 Branches across India with a good team to manage the accounts & finance work.
- Preparing branch productivity reports as per Management's requirement as well as coordinated with sales team to resolve pendency. Undertakings inter branch reconciliation through emails and processing various documents linked with day to day operations.
- To keep proper track over companies operative accounts with various banks and to reconcile the bank statement on monthly basis. Manage the ideal fund in bank accounts with efficient manner & arrange the data of Cash flow & fund flow of the assigned branches.
- To facilitate timely completion of statutory audit and update the entries of company’s Account Module Software.
- Independently managing back office as well as front office departments while handling queries related to other locations in the entire region.
- Measuring the performance of the processes in terms of efficiency and effectiveness matrix and ensured adherence to Service Level Agreements.
- Ensuring adherence to quality specifications and successfully handling the related formalities & documentation as per the management instructions.
- Collecting and collating data and generate periodic reports and carrying out value added analysis of reports to facilitate strategy planning.
- Ensuring strict adherence as well as implementing Compliance feedback across all the branches.
- Creating an environment that sustains and encourages high performance; motivate teams in optimizing their contribution levels. Organizing and conducting practical training programs to enhance skills & motivational levels.

CASHPOR MICRO CREDIT Oct 2006 - Aug 2008 :
Accounts Assistant :
- Managed end to end account opening operations for business as well as coordinated with sales team to resolve pendency.
- Involved in reconciliation of documents as well as file maintenance, records up Keeping, analysis on cost controlling and making daily & monthly MIS reports.
- To prepare the salary bills of district office employees & disburse the same as per schedule.
- To keep track over the fund position of the company at HO/DO to ensure that the repayments to the funding agencies are made in the end to advice on the investment of idle fund.
- To process the request of fund requirement of various district offices/ Unit offices and timely remittance of fund after obtaining proper approvals.
- To facilitate timely completion of statutory audit and update the entries of company’s Account Software.

EDUCATIONAL CREDENTIALS :
2009 : MBA (Banking & Finance, Distance Education) from Algappa University, Tamil Nadu.
2005 : B.com from VBS Purvanchal University, Jaunpur (Uttar Pradesh).
2002 : HSC (Commerce) from UP Board, Allahabad (Uttar Pradesh).
2000 : SSC from UP Board, Allahabad (Uttar Pradesh).
MS Office (Word, Excel & Net Surfing) – (Technical Credentials)