Oracle Flexcube CBS
Ashish Cecil Murmu
Senior Manager
Navi Mumbai,MH
Summary
Seasoned banking leader with 12+ years of hands-on experience in credit risk management, forex operations, and branch strategy, having successfully managed loan portfolios exceeding ₹100 Cr. Proven expertise in mitigating NPAs, leading high-stakes audits, and driving compliance in line with RBI regulations. Adept at overseeing end-to-end branch operations, managing cross-functional teams, and executing customer-first strategies that align profitability with purpose. Looking to contribute to a forward-thinking organization where I can continuously evolve, take ownership of impact-driven goals, and drive sustainable growth for both the institution and myself.
Overview
13
13
years of professional experience
18
18
years of post-secondary education
3
3
Certifications
2
2
Languages
Work History
SENIOR MANAGER
CANARA BANK
04.2022 - 05.2025
- Branch Head handling all the operations of a bank branch.
- Promoting and marketing the products of the bank.
- Meeting new customers and understanding their requirements, acquiring fresh business, and ensuring a high level of customer service.
- Liaisoning with government departments for government business.
- Cross selling third party products to the customers.
- Resolving grievances of the customers related to banking and finance.
- Generating daily transaction reports.
- Monitoring monthly targets on the assets as well as the liability side.
- Managing manpower to obtain the desired results.
- Organizing staff meetings on a regular basis to ensure important information is being passed on.
- Reviewing of progress based on the monthly targets with the subordinates.
- Reporting to Regional Office, Circle Office, and Head Office.
- Promoting and issuing Government Social Security Schemes to the customers.
- Promoting and sanctioning loans falling under Central and State Government Sponsored Schemes.
- Ensuring right taxation in the accounts of account holders and educating them about TDS.
- Credit Analysis for fresh advances.
- Sanctioning of fresh credit in the sectors of Agriculture, MSME, Retail and Gold.
- Monitoring of loan accounts, ensuring nil special mentioned account.
- Monitoring of Special Mentioned Accounts and Special Watchlist Accounts.
- Analyzing Credit Risk of the Bank.
- Risk Management of the Branch.
- Handling Risk Based Internal Audits of the Bank, Concurrent Audits, Statutory Audits and Snap Audits.
- Cash handling and management at Branch level.
- Assessing and recommending Non-Fund-Based Advances.
- Issuance of Inland Bank Guarantee, monitoring, follow up and invocation.
- Handling of outward remittances under LRS and Non-LRS Scheme.
MANAGER
CANARA BANK
05.2018 - 03.2022
- Handled a medium branch for three years.
- Served as a second line in-charge in a very large branch for a period of one year.
- Completed three years of rural banking.
- Handling and monitoring CASA Accounts.
- Handling small scale agricultural finances in bulk, crop loans, SHG Loans and Government Sponsored Scheme Loan.
- Assessment and Sanctioning of Loans under MSME, Agriculture, Gold and Retail Schemes.
- Monitoring of all the borrower accounts from onset of the loan to ensure timely repayments of EMIs.
- Monitoring Special Mentioned Accounts and Special Watchlist Accounts.
- Recovery follow up and NPA Management.
- Cash Management at Branch Level.
- Replenishing and ensuring ATM uptime.
- Timely redressal of customer grievances.
- Reporting to Regional Office, Circle Office, and Head Office.
OFFICER
CANARA BANK
07.2012 - 04.2018
- Learned and handled Basic Banking of Depositing and Lending.
- AML & KYC.
- Handling of cash transactions in bulk.
- Handling of customer deposits.
- Cross selling of various banking products.
- Handling of Documentation for Loans under MSME, Retail and Gold Loans.
- Handling of Large Advances in the form of Term Loans and Working Capital Limits for Large scale industries.
- Booking of Forward Contracts on behalf of the customers.
- Assessing and Recommending Non-Fund based Loans in the form of LCs and BGs, both Inland and Foreign.
- Issuance of Packing Credit.
- Issuance of Foreign Bank Guarantees and inland Bank Guarantees.
- Issuance of Foreign Letter of Credit and Inland Letter of Credit and making the payments on the due date, monitoring, and recovering the dues on time.
- Scrutinizing Import Documents and Export Documents.
Education
Post Graduate Master of Science - Hospitality Administration, Human Resource Management
Institute of Hotel Management
New Delhi, Delhi 07.2010 - 06.2012
Bachelor of Science - Hospitality and Hotel Administration
Institute of Hotel Management
Bangalore 07.2007 - 06.2010
12th -
Bishop Westcott Boys’ School
Ranchi, Jharkhand 06.2004 - 05.2007
10th -
Bishop Westcott Boys’ School
Ranchi, Jharkhand 06.1994 - 05.2004
Skills
Credit Analysis & Credit Risk Management
Fund & Non-Fund Based Lending (BGs, LCs, Packing Credit)
Loan Portfolio Management (₹100 Cr experience!)
NPA Recovery & Special Mention Account Monitoring
Forex Operations (LRS/Non-LRS, Trade Finance)
Audit Handling (Statutory, Concurrent, Snap, Risk-Based)
Compliance with RBI Guidelines & Taxation Norms
Government Business (Social Security Schemes, TDS, Subsidy Loans)
Core Banking (Oracle Flexcube, PeopleSoft)
Microsoft 365 Suite – Word, Excel, PowerPoint, Teams, SharePoint
Digital Channels & ATM Operations
Basic Trade Finance Tools (Forward Contracts, Import/Export Docs)
Accomplishments
- Loan Book Expansion: Managed and grew a loan portfolio of ₹100 Cr+, with a consistent track record of quality asset generation and minimal delinquency.
- NPA Containment: Implemented proactive monitoring systems for SMA and Watchlist accounts, contributing to a 20% reduction in NPAs year-on-year.
- Audit & Compliance Champion: Handled multiple internal, statutory, and snap audits with clean reports — reflecting strong governance and compliance under my leadership.
- Team Leadership & Staff Development: Mentored and upskilled team members, resulting in improved productivity, reduced turnaround times, and enhanced customer satisfaction.
- Strategic Execution: Streamlined cross-selling processes and boosted sales of banking and third-party products, contributing to significant growth in branch revenue.
- Government & Priority Sector Outreach: Spearheaded implementation of key Government Schemes (PMJDY, PMSBY, PMAY, KCC, SHG Loans), expanding financial inclusion in rural and semi-urban sectors.
- Collaborative Culture: Worked closely with Regional and Circle Offices, led inter-branch collaborations, and maintained a smooth flow of communication across all verticals — ensuring consistency, accountability, and goal alignment.
Over the last 7 years as a Branch Head at Canara Bank, I’ve led a team of 14 members, successfully transforming the branch into a high-performing unit known for operational excellence and customer-centricity. Under my leadership:
Certification
JAIIB – Junior Associate of the Indian Institute of Bankers
Software
Oracle Peoplesoft
MS Excel
Timeline
SENIOR MANAGER
CANARA BANK
04.2022 - 05.2025
MANAGER
CANARA BANK
05.2018 - 03.2022
OFFICER
CANARA BANK
07.2012 - 04.2018
Post Graduate Master of Science - Hospitality Administration, Human Resource Management
Institute of Hotel Management
07.2010 - 06.2012
Bachelor of Science - Hospitality and Hotel Administration
Institute of Hotel Management
07.2007 - 06.2010
12th -
Bishop Westcott Boys’ School
06.2004 - 05.2007
10th -
Bishop Westcott Boys’ School
06.1994 - 05.2004
Disclaimer
I, Ashish Cecil Murmu, hereby declare that the information contained herein is true and correct to the best of my knowledge and belief.
Work Availability
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Websites
Languages
English
Advanced (C1)