Summary
Overview
Work history
Skills
Timeline
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Ganesh Subramaniam

Summary

Experienced in retail and corporate service delivery, with a strong background in banking, branch banking, mortgage, retail asset operations, and corporate lending. Demonstrates expertise in trade finance and remittance processing, both inward and outward transfers, alongside payment business processes. Articulate communicator bridging the gap between people and technology, with a thorough understanding of requirements elicitation, analysis, design, development, and testing phases. Possesses a broad portfolio of management experience including business alignment/SLA implementations and software development processes for loan servicing modules. Skilled in business and technical documentation such as project charters, product definition documents (PDD), business requirements documentation (BRD), system requirement specifications (SRS), FSDs, test plans, and test cases. Served as the primary liaison between business lines, operations, and technical areas throughout project cycles. Highly motivated team player capable of leading teams to meet deadlines while excelling in communication and problem-solving skills. Proficient in core banking systems like ebbs, Flexcube, Finnacle, and Silverlake systems.

Overview

34
34
years of professional experience

Work history

Consultant

Hastraa Consulting Services
Dubai
02.2023 - 07.2023
  • Consulting role with a Leading NBFC, in implementing core banking solutions. We carried out business processes and product mapping for their retail asset team.
  • Also wrote the business process descriptions and process flows for all their internal processes, including personal loans, auto loans, corporate loans, deposits, credit cards, and outward and inward remittance processing authorisations.

Business Analyst

Trdfin support services P Ltd
Chennai
02.2021 - 01.2022
  • Primary role was to source corporate accounts and merchant accounts for the bank, implement a white-labelled payment gateway system and to go live with the system.
  • Managed the Business Analyst team for the unit in gathering requirements from Business and assisted the development team to add the requirements to the Trade platform of the Bank.
  • Undertaken training requirements of the team members for Trade Finance products such as L &C and Guarantees, and Remittances processing via payment gateway.

Senior Manager

Nucleus Software Exports
Noida
06.2018 - 10.2020
  • Worked as Senior Manager in their Global Transaction Banking unit.
  • Primary role was managing the PMO and assisting the sales and product teams from a functional point of view.
  • Prepared budgets and dashboards for the Unit, monitored the slow-moving projects, and did effort analysis reporting to the Business head, and also did revenue analysis for the unit.
  • Assisted the sales team with proof of concept for customers and attended steering committee meetings for the ongoing implementation projects.
  • Assisted the implementation team on transaction banking projects, by giving them workable workarounds for items not supported by the product.

Head of BA Practice

Hastraa Consulting Services
Malaysia
12.2015 - 11.2017
  • Headed their BA Practice and was responsible for managing several BA engagements for ongoing projects in Malaysia, Sri Lanka, the Middle East and Africa.
  • Provided Business Analysis service for corporate and retail loan products, cash management and treasury systems.
  • Worked with Murex system integration core banking systems like Silverlakes system at Malaysian banks.
  • Managed the Banks' payment gateways with Bank Negara and private payment gateways, and ensured smooth processing of retail and corporate payments.
  • Also handled the loan origination system, trade services, core banking system testing and internet banking systems and ensured the system went live on time.
  • As part of assurance services, was also involved in the development of standard operating procedures for clients.

Consultant

Serco Global Services
Chennai/Mumbai
03.2015 - 11.2015
  • The objective of the role was to analyse and provide process improvement measures, controls, and risk mitigation in their payment unit.
  • In the consulting assignment, I implemented the correspondence module in the system.

Consultant

Sutherland Global Services
Dubai
01.2013 - 12.2014
  • Worked with a leading Qatar Bank and a leading private Bank in East Africa.
  • Centralised operations, and implemented Direct banking and e-channels.
  • Developed policy and procedure manual for the Branch Control and Operations department of the Bank.
  • This was to ensure that all the branches of the Bank follow uniform Operational Procedures and adhere to security controls.
  • Designed reporting dashboards and escalation processes for the branches while defining different layers of corrective and disciplinary actions according to the severity of the operation risk content.
  • Provided policy framework for periodic reviews, updates, and modifications on retail and corporate banking policies and procedures.
  • Identification of system requirements and tools to supplement any or all of the above and Identification of system and software applications to facilitate execution of the above policies and procedures.
  • Preparing detailed checklists for exceptions-handling and reporting in branch activities.
  • Designing the authority matrix for the function to facilitate the branch control monitoring and approval processes.
  • Defined required Service Level Agreements between the branch control and all other relevant departments.
  • Defined Roles and Responsibilities for the branch banking team and branch controlling team.
  • Defined Turnaround times and key performance indicators, role-wise and activity-wise.
  • Identified operational risk elements and their mitigations and prepared risk control matrices, definied risk control rating, inherent risk, and residual risks, and formalised a framework of key risk indicators, frequency of reporting and related threshold.

Senior Officer

RAK Bank
Dubai
04.2010 - 11.2011
  • Simulated the test systems and conducted UAT and SIT.
  • Processed both inward and outward remittances and managed a team of 25 staff.
  • Rolled out the payment systems for the bank.
  • Defined Turnaround times and key performance indicators, role-wise and activity-wise.
  • Identified operational risk elements and their mitigations.
  • Prepared a risk control matrix.
  • Defined the risk control rating, inherent risk and residual risks.
  • Formalised a framework of key risk indicators, frequency of reporting and related thresholds.
  • Defined reports for daily reporting and exception-handling for smooth compliance with internal policies and procedures.
  • Was responsible for the BCP and DR drill of the unit.
  • Was responsible for invoking the BCP and DR specifications as mandated by the group.
  • Coordinated with the payment unit and organised the Disaster recovery and BCP regularly as per bank policy.

Senior Manager - Payments - Cash Management -Risk- IT Projects

Scope International
Chennai, India
08.2006 - 03.2010
  • Was responsible for evaluating the payment system as per the country’s requirements and performing UAT.
  • Collated the country requirements for IT development to suit the requirements of each country, to eventually arrive at a gap analysis.
  • Liaised between the country and central system development team to enhance the specifications.
  • Simulated the test system and conduct UAT and SIT.
  • Rolled out the payment system to six African countries.

Product Manager

HSBC
Dubai
04.2005 - 08.2006
  • Was responsible for ensuring that payment-related products were reviewed and tailormade to suit the requirements of local customers.
  • Launched new payment products across the Middle East Region.
  • Managed customer service level agreements, guidelines and service propositions.
  • Reengineered existing processes according to customer expectations.
  • Liaised with finance to understand the transaction costing of all payment products.
  • Implementing HSBCnet at customer offices and followed up with them on their day-to-day operations.

Manager Corporate Service Delivery

Standard Chartered Bank
Dubai
01.1996 - 04.2005
  • Management of service delivery via: Setting and monitoring service standards; coaching and counselling staff towards expected behaviour and reviewing existing delivery channels to ensure quality in delivery, low transaction costs and consistent profitability.
  • Lead the payment systems development.
  • Managed cash management, credit administration, and treasury back office.
  • Maintained preferential FX rates for preferred customers of the bank in the payment system to avoid manual intervention.
  • Ensured the effectiveness of the corporate service delivery with other banking units, including Corporate Sales, operations, branches, finance and IT.
  • Played a lead role in migrating the payments unit to the global shared service centre in Chennai.
  • Trained and developed the new/fresh employees who joined Scope International- Chennai, for over 4 weeks.
  • Handled remittances, both inward and outward, for retail and corporate customers.

Data Center Operations

Bank of America
India
08.1989 - 01.1996
  • Handled the data centre to run the start-of-day and end-of-day for their Bank Master system.
  • Had the opportunity to learn other aspects of Banking by going through the BFS & PL reports, utilization of Limits.
  • Liability Operations- Processing all Deposit A/c’s Maintenance (Savings, Current & Fixed).
  • Asset Operations- Processing of branch Auto loans, Lending against Equities and securities operations.
  • Personal loans Operations, which includes Monthly EMI processing, partial payments and closures etc.
  • Managed the processing of all branch admin & expense processing.
  • Handled Cash and responsible for Vault Management.
  • Key member of GBS system implementation and support for NOMAD program.

Skills

  • Strong Retail and corporate service delivery, business analysis experience in Banking, Branch Banking, Mortgage, Retail asset operations & Corporate Lending & Credit operations Trade finance and Remittance processing both inward and outward transfers and Payment business processes
  • An articulate communicator who can fluently speak the languages of both, people and technology
  • Thorough understanding of various phases such as Requirements Elicitation, Analysis, Design, Development and Testing
  • A broad portfolio of management and delivery experience which includes Business Alignment /SLA Implementations, and Software Development Processes for loan servicing module
  • Thorough Business and Technical documentation – Project charter, Product Definition Document (PDD), Business Requirements Documentation (BRD) and System Requirement Specification (SRS), FSD, Test Plans, Test Cases
  • Functioned as the primary liaison between the business line, operations, and the technical areas throughout the project cycle
  • Highly motivated team player with ability to lead, manage and work in all environments to meet deadlines
  • Quick Learner with strong problem-solving skills and excellent in communication, presentation and interpersonal skills
  • Worked on various core banking systems like ebbs, Flexcube, Finnacle and Silverlake system

Timeline

Consultant

Hastraa Consulting Services
02.2023 - 07.2023

Business Analyst

Trdfin support services P Ltd
02.2021 - 01.2022

Senior Manager

Nucleus Software Exports
06.2018 - 10.2020

Head of BA Practice

Hastraa Consulting Services
12.2015 - 11.2017

Consultant

Serco Global Services
03.2015 - 11.2015

Consultant

Sutherland Global Services
01.2013 - 12.2014

Senior Officer

RAK Bank
04.2010 - 11.2011

Senior Manager - Payments - Cash Management -Risk- IT Projects

Scope International
08.2006 - 03.2010

Product Manager

HSBC
04.2005 - 08.2006

Manager Corporate Service Delivery

Standard Chartered Bank
01.1996 - 04.2005

Data Center Operations

Bank of America
08.1989 - 01.1996

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Ganesh Subramaniam