M V Kameswara Rao

• Developed key operational initiatives to drive and maintain substantial business growth.
• Cultivated forward-thinking, inclusive, and performance-oriented business culture to lead industry in innovation and push progress.
• Built productive relationships with industry partners and competitors to support strategic business objectives.
• Reviewed individual department performance and worked with leadership to improve processes, procedures, and practices.
• Directed market expansions to propel business forward, meet changing customer needs.
• Addressed employee and managerial concerns and implemented corrective actions to promote compliance.
• Updated business processes, products and team makeups to generate more business opportunities and cater to audience needs.
• Coached and guided senior managers to improve employee job satisfaction and achieve higher performance levels.
• Identified new revenue generation opportunities to maximize bottom-line profitability.
• Engaged positively with staff and leadership colleagues, soliciting and encouraging feedback and collaborative spirit.
• Developed innovative sales and marketing strategies to facilitate business expansion.
• Formulated and executed strategic initiatives to improve product offerings.
• Devised and presented business plans and forecasts to board of directors.
• Managed financial, operational and human resources to optimize business performance.
• Cultivated company-wide culture of innovation and collaboration.
• Founded performance- and merit-based evaluation system to assess staff performance.
• Led recruitment and development of strategic alliances to maximize utilization of existing talent and capabilities.
• Initiated strategy to drive company growth and increase market share and profitability.
• Shaped solutions and approaches by leveraging trends in customer marketplaces and industries.
• Directed technological improvements, reducing waste and business bottlenecks.
• Maintained P&L and shouldered corporate fiscal responsibility.
• Oversaw divisional marketing, advertising and new product development.
• Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
• Represented organization at industry conferences and events.
• Created succession plans to provide continuity of operations during leadership transitions.
• Oversaw business-wide changes to modernize procedures and organization.
• Monitored key business risks and established risk management procedures.
• Made large-scale financial decisions and supervised company spending to reduce material losses and maximize profits.
• Procured and coordinated new resources to achieve sales targets within optimal timeframes.
• Established and maintained strong relationships with customers, vendors and strategic partners.
• Communicated business performance, forecasts and strategies to investors and shareholders.
• Analyzed industry trends and tracked competitor activities to inform decision making.

• Negotiating successfully with major banks for One Time Settlement , SBI, Bank of Baroda, Bank of Maharashtra, Union Bank of India, etc., handled NHAI Road projects.
• Reviewed performance results to target and take corrective measures with authorization and escalation.
• Informed VP of unusual matters of significance and launched corrective action plan.
• Collaborated with department heads to establish goals and work plans.

· Consultant Funds for Andhra Pradesh Capital Region Development Authority (Planning, Co-ordination, Execution, Supervision and Financing for promoting and securing the planned development of the Capital Region and the Capital City Area for the New Andhra Pradesh State)-Project cost Rs.55,409 Crs.

Arranging funds exploring various avenues (debt). Mobilized Rs.2000 Crs by way of issue of Amaravati Bonds-Private Placement. Working closely with the Merchant Bankers and other intermediaries in successful mobilization on the funds -pre and post issue. Arranging the Consortium loan formed with Indian Bank, Andhra Bank and Vijaya Bank Rs.2,060 Crs. Handling compliance conditions of the disbursements. Successfully, arranged for in principle loan sanctions from various Public Sector Banks to the tune of Rs.4000 Crs.

• Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.
• Supported clients with business analysis, documentation, and data modeling, financial modelling.
• Collected, arranged, and input information.
• Provided reporting for forecast analysis and ad-hoc reporting in support of decision-making.
• Liaised with customers, management, and sales team to better understand customer needs and recommend appropriate solutions.
• Prepared presentations to explain revisions, enhancements and process improvements of organization's programs.
• Onboarded and managed new clients, Legal Consultants, Security Trustees, Investment Bankers, etc.,
• Created monthly forecast templates and resource management allocations for approved projects.

• · Faculty for Indian Institute of Banking and Finance (IIBF)- CAIIB (Risk Management, Banking Financial Management, Advanced Bank Management etc.,), MITCON Pune and visiting faculty for many management colleges in Pune and Hyderabad, Apex college of Training , Andhra Bank, Hyderabad, Union Bank of India, Telangana Grameena Bank and AP Grameena Bank for internal training for promotion tests etc., and faculty on board for Karvy Learning Centre, National Institute of Banking and Finance (NIBF), faculty for JAIIB and CAIIB, Dynamic Banking Studies, etc.
• Trainer for Axis Bank, Bajaj Finserv, Hiranandani Financial Services, Mahindra Rural Housing Finance Ltd., etc.
• Alternated training methods to diversify instruction, strengthen learning opportunities, and enhance program success.
• Trained new hires.
• Conducted orientation sessions and organized on-the-job training for new hires.
• Developed and implemented comprehensive training program to increase employee productivity and morale.
• Prepared and distributed manuals, handouts and online tutorials to provide employees with training materials and resources.

• Heading registry operations of Blue Chip companies like, Hindustan Unilever Limited, IDFC, Cipla, Alstom, Glaxo Smithkline and 20 others and Head Bonds and Debentures ( IDFC, IFCI,IRFC, IDBI, SREI etc.,)
• Mentored and motivated team members to achieve challenging business goals.
• Enforced quality assurance protocols to deliver ideal customer experiences.
• Managed budget implementations, employee reviews, training, schedules, and contract negotiations.
• Motivated, trained, and disciplined employees to maximize performance.
• Developed and implemented policies and procedures to improve customer service and satisfaction.
• Analyzed customer feedback data to identify areas of improvement and develop solutions.
• Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
• Reported issues to higher management with great detail.
• Handled problematic customers and clients to assist lower-level employees and maintain excellent customer service.
• Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.

· Handled five NHAI road projects, a total project cost of Rs.3807.42 Crs.

. All the activities post Concession Agreement till COD.

. Undertaking all the necessary activities for meeting the funding requirement for projects (Financial Closing, execution of Consortium Documents, creation of charge and satisfying condition precedents for disbursal of various tranches. Liaising with banks, financial institutions, PE funds, rating agencies and other stakeholders in the financial community to ensure timely availability of financing for projects at the most competitive terms.

. Working closely with the project development team to identify, analyse and execute the most optimum financing solution the projects (including debt and equity).

. Arranging Bankers meetings, accompanying the bankers on site visits and apprising them of the progress and provide timely information on the queries raised by the bankers.

. Coordinating with finance providers on due diligence, term sheet negotiations and documentation. Work with project teams to ensure timely compliance with all conditions precedent and other obligations. Coordinate the drawdown/repayment formalities for debt facilities and to monitor compliance with financing conditions and obligations, opening of Bank Guarantees and keeping track of the validity of the BGs and related follow ups.

. Working closely with NHAI, Independent Engineer, Legal Consultants, Security Trustees, Site Team for monitoring the progress of work and coordinate with the Accounts team.

. Consolidated vendors and renegotiated contracts to optimize costs.

• Identified cost improvement changes and cost savings plans to increase company savings (negotiating interest rates on reset dates, etc.,)

· Hands-on-experience in both Liabilities- (Deposits & General Banking, Forex -B Category etc,)

. Assets- (Advances and Recoveries, Agriculture loans, Corporate Banking, Project financing, Merchant Banking), Trade Finance, Rural Banking, Business Continuity Plan, SOP & SLA, documentation (Consortium Funding).

. Head of Credit Committee for the Rest of Maharashtra and Goa Region.

. Effective communicator, negotiator, proactive planner with strong analytical, problem solving and organizational abilities.

. Worked in Special Projects Team for KYC implementation across Branches Pan India, IndusInd Bank.

· Setting up new bank branches and experienced in managing Sales for achieving/excelling the given targets in revenue, profitability and enhancing relationship values. Proven leadership skills in driving the business and motivating the team and training.

. Recruiting staff for the needs of the staff and ensure their training for integration into the bank stream.

. Led the sales focused initiatives of the management and achieved desired results. As Regional Manager, Rest of Maharashtra and Goa, Business mix handled- Liabilities (deposits) Rs.1250 Crores, Advances Rs.700 Crores.

• Taking sales targets and achieving revenue targets.
• organizing meetings and seminars with customers and other platforms to educate and promote third party products, Mutual Funds, Life Insurance etc.
• Maintained friendly and professional customer interactions.
• Assessed employee performance and developed improvement plans.
• Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
• Met deadlines by proactively managing individual and team tasks and streamlining processes.

. Service Head coordinating with the Regional head in formulating the targets/revenue, P&L and delivering the same taking the staff along.

. Daily monitoring of the productivity/ deliverables of the staff.

Provide the necessary skills, for garnering third party products, Mutual funds and Life Insurance recommendations to the customers.

. Maintaining relationship with Ultra/High Net worth customers.

. Organizing entertainment programme alongside promotion of the products of the customers.

. preparing SLAs and self Audits and keep the branch audit compliant.

• Onboarded new employees with training and new hire documentation.
• Cross-trained existing employees to maximize team agility and performance.
• Accomplished multiple tasks within established timeframes.
• Maximized performance by monitoring daily activities and mentoring team members.
• Strict adherence to policies and procedures, responsible for audit and compliances of the branch, KYC norms etc.
• maintainence of the ATMs and the vendors.
• Resolved staff member conflicts, actively listening to concerns and finding appropriate middle ground.
• Maintained professional, organized, and safe environment for employees and patrons.
• Communicated clearly with employees, suppliers and stakeholders to keep everyone on same page and working toward established business goals.
• Managed and motivated employees to be productive and engaged in work.

• Strengthened promotional strategies to drive customer engagement and boost sales.
• Attaining the sales targets on the Retail liabiities and achieving the revenue targets laid down.
• Mentored team members to enhance professional development and accountability in workplace.
• Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
• Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.
• Helped with planning schedules and delegating assignments to meet coverage and service demands.
• Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.

Worded in prestigious Rural branch in the Bajaj Auto Ltd premises and the only rural branch total computerized in this period. Authorising Demand Drafts to the Vendors of the Auto manufacturing Unit was a huge task and a heavy job (about 5000 Demand Drafts to be printed).

Immediately on completion of 2 year probationary period, was made Branch Manager Togari, Latur District, Maharashtra.

. Biggest achievement turned around the loss making branch into profits for the first time by taking initiatives of recoveries of NPA, increasing personal loans etc.

. Took the initiative to transfer the branch to the nearest Semi Urban place Udgir and successfully upgraded the business to Scale II level. in a years' time.

• Completed regular inventory counts to verify stock levels, address discrepancies, and forecast future needs. Inspection of units advanced.
• Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
• Fixed deposits , savings and current deposits.

Joined as Probationary Officer, Central Bank of India. Undergone training in prestigious bank training colleges, CBOTC, Bhopal, and Sir Pochkanwala Bankers Training Institute, Bombay. Hands on training in retail banking, wholesale banking, Corporate banking in Pune and Aurangabad. NIBM Pune.