S B Raghavendra
sbrcool AT gmail.com

Objective :
To serve in an organization which offers challenging opportunities to work in a dynamic environment, so that it enables me to improve my abilities for a progressive career.

Education :
Degree College/University Field of study :
MBA National institute of Business Management Finance and Operations
B.Sc., B H S First Grade College, Blore Electronics

Technical skill set :
Six Sigma Completed Six Sigma Green Belt Program.
Operating systems Windows XP, 2000

Work Experience Summary :
Sept 2008 – Till date Senior Officer STANDARD CHARTERED BANK
(SCOPE INTERNATIONAL LTD)
Product : Account Opening – (Fixed Deposits and Fulfillment and Static
Data – Wealth Management)
Profile :
- Handling a Team of Five Members
- Checking the correctness of all the entries passed by the team members.
- Opening of new fixed deposits and Maturity closure of fixed deposits (authorization)
- Premature Handling closure of fixed deposits (authorization)
- Amendment of tenure and amount of the fixed deposits(authorization)
- Making payments from Saving accounts and fixed deposits(authorization)
- Creating new customer details in Globus system.(authorization)
- Amendments of existing customer details (Name, address ...etc) (authorization)
- Setting up overdraft limit for the customer (authorization)
- Setting up a collateral for the customer (authorization)
- Updating customer KYCs/ KYC renewals and customer risk level (authorization)
- Interacting directly with the countries for all the queries.
RESPONSIBILITIES :
- Ensure that accuracy levels are met as per Service Level Standards and to continue to exceed the standards.
- To ensure that all procedures lay down in the Department Operation Instruction and the Key Control Standards are adhered to.
- Liaise with Country Processing Center regarding queries related day to day processing.
- Preparing MIS for the whole team on a daily and monthly basis.

Product : Account Opening Forms – Customer Due Diligence
Profile :
- Handling a Team of five Members, Assisting and guiding them in the work process for Jersey, UK SCB clients Accounts.
- Reviewing the customer transactions of past ten years’ history. Also ensuring first pass error rates are below 0.3% and nil reworks from Jersey.
- Suspicious transaction are monitored raising Suspicious Activity Report (SAR)
- Ensuring that the clients documents (KYC) are clear and accurate by making corrections if any and doing amendments.
- Holding meetings once in a week on new updations from country, Performance review, setting weekly targets and discussions on newly learnt things for the week with the team members.
- Reporting to the manager end of the week and daily MIS updations.
Achievements :
- With two months of my joining I started heading a team of five members under me.
- Introduced a new concept of conducting discussions on newly learnt things for the week with the team members, which led the team in avoiding repetitive errors and knowledge sharing.

June 2006 – Sept 2008 Credit Executive STANDARD CHARTERED BANK
Product : Personal Loan
Profile :
- Credit Underwriting process of personal Loan and ensuring adherence/compliance to the requirements of product program/policy
- Scrutiny of Pre-Credit application, adhering to the Credit norms and Post Approval documents.
- Verification tracking mechanism and allocations of activities to the team
- Track and communicate errors to DSA’s. Take corrective action and establish essential controls in DSA shop
- Quality checks of all files prior to disbursals.
- To adhere to standard turn around time [TAT]
- To monitor and track De-dup transaction process
- Interacts regularly with credit manager, credit policy, centralized De-dup center,
- Conversant with bank’s internal systems [RFES, RLS, CCMS, HOGAN]
- Resolution of issues with sales
Achievements :
- Achieved Targets with zero errors in process and least/zero errors in data entry in 2years.
- Handled files in larger volumes during emergencies and used to take backups, Reverification calling, Reworking on Files for special cases and handling MIS individually.

April 2004 – June 2006 Officer – Debt Management HSBC Operations, Chennai
Product : Credit Card
Profile :
- Control Delinquency Through effective outbound telecalling methods.
- Resolving High Risk Portfolio within stringent time frames.
- Identify Delinquency trends and report the same for in corporations in to the Credit Policy.
- Identify Potentially High Risk Cases and offer win-win
- Initiating Credit Control actions Suspension / cancellation of services.
- Coordinate with field support staff and resolve cases.
- Handling customers
- Exposures working in advanced Dialer Environment.
To ensure product delivery on time, I have conducted periodic meetings with team members

Achievements :
Achieved all targets and made healthy Portfolio.

Training and Courses :
Diploma in Hardware and Networking from Jet king Institutions Jetking
Post Graduate Diploma in Computer Application Sushma computers
Typewriting Junior – English & Hindi Lalitha Institute

Extra-curricular activities :
School people leader – Kendriya Vidyalaya. School in the year 1991.
All India Poster Competition for Communal Harmony – Participation Certification

Hobbies :
Painting, Cricket, Table tennis & Music

Personal details :
Date of Birth- Jun 12, 1979
Sex- Male
Marital Status- married
Nationality -Indian
Linguistic Proficiency- English, Hindi, Kannada, Telugu, Tamil