PADMACINI KRISHNAMOORTHY
Chennai,TN
Summary
Senior Banking Operations Leader with 17+ years of experience across Everyday Banking Operations, Trade Finance, Invoice Finance. Proven track record of leading operational teams, driving customer-centric outcomes, managing risk and governance frameworks, delivering transformation initiatives, and supporting strategic business objectives.
Overview
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1
Language
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Certification
18
18
years of professional experience
Work History
Associate Vice President – Retail Everyday Banking Operations
NatWest Digital Services India Pvt Ltd
11.2023 - Current
- Lead Everyday Banking Operations teams supporting account opening, in-life servicing, multi-journey and non-journey activities.
- Manage teams of up to 20 colleagues while driving service excellence, risk management and operational performance.
- Supported Internal Audit Management Action Plans across Payments and Suspense Account governance.
- Managed operational incidents and remediation activities while minimizing customer impact.
- Partner with Journey, Technology, Risk and Payments teams to support strategic initiatives and operational delivery.
- Support executive customer complaint resolution and complex customer remediation activities.
- Drive operational improvements through automation and process optimization.
- Key Achievements
- Successfully supported transition of Suspense Account ownership from UK operations to India.
- Led implementation activities supporting Internal Audit Management Action Plans for Payment Audit and Retail owned suspense accounts.
- Delivered enhancement to Technical Cheque Referral automation through collaboration with Journey and Automation teams.
- Supported implementation of Personal Details e-form digitisation and automation initiatives.
- Managed multiple high-priority incident remediation activities with minimal customer disruption.
- Received strong recognition from senior stakeholders for support provided during Sainsbury CIN migration.
- Successfully transitioned ACE exception handling processes into Everyday Banking Operations.
Senior Manager – Invoice Finance Operations
NatWest Digital Services India Pvt Ltd
04.2022 - 11.2023
- Led Invoice Finance operations, risk management, migration support and automation initiatives.
- Key Achievements
- Managed Invoice Discounting Reconciliation operations with a team of 12 colleagues.
- Supported automation initiatives in partnership with technology and transformation teams.
- Led migration and knowledge transfer activities between India and UK operations.
- Managed operational risk and proactively escalated key control concerns.
- Supported recruitment, workforce planning and capability development across the business.
Manager – Invoice Finance Operations
04.2020 - 03.2022
- Managed Invoice Finance operational teams.
- Led colleague coaching and capability development initiatives.
- Supported Project Ophelia delivery and Factoring product withdrawal activities.
- Played a key role in business continuity and suppression initiatives during COVID operations.
Manager – Lombard Transformation Programme
09.2018 - 03.2020
- Led transformation and migration activities under Lombard Transformation Programme.
- Managed operational delivery and project execution.
- Supported operational readiness, stakeholder engagement and staff training.
- Led a team of 10 colleagues supporting programme objectives.
Process Lead – Invoice Finance Operations
07.2016 - 09.2018
- Subject Matter Expert for Invoice Discounting operations.
- Managed workflow prioritization and service delivery.
- Supported migration of operational activities from UK to India.
- Provided leadership support and guidance to operational teams.
Commercial Banking & Trade Finance Operations
01.2008 - 01.2016
- Progressively advanced through operational leadership roles supporting:
- Trade Finance Operations
- Import & Export Letters of Credit
- Trade Payments & Financing
- SWIFT Payments (MT103 / MT202)
- Trade Asset Management
- Customer Service & Query Resolution
- Compliance & Operational Controls
- Maintained strong audit outcomes while supporting complex commercial banking activities and customer requirements.
Education
Master of Mathematics -
University of Madras
ChennaiBachelor of Science -
University of Madras
ChennaiSkills
Everyday Banking Operations
Customer service proficiency
Operational Risk Management
Incident Remediation
Suspense Account Governance
Audit Support
Stakeholder Management
Strategic Planning
Change & Transformation
Automation & RPA
Operational Excellence
People Leadership
Business & Operational Leadership
Everyday Banking Operations
Customer Service Excellence
Operational Strategy Execution
Business Performance Management
Operational Resilience
Risk & Governance
Accomplishments
- Strategic Leadership
- Progressed from Operations Specialist to Associate Vice President through consistent delivery and leadership excellence.
- Governance & Risk
- Successfully managed risk governance responsibilities across multiple banking operations.
- Supported audit remediation and control enhancement initiatives.
- Customer Focus
- Managed complex customer escalations including Executive and Ombudsman complaints.
- Delivered customer-centric operational improvements.
- Transformation
- Led and supported multiple automation, migration and transformation initiatives.
- Improved operational efficiency through process redesign and digitisation.
- People Leadership
- Led teams of up to 20 colleagues.
- Developed talent through coaching, mentoring and performance management.
Certification
CDCS – Certified Documentary Credit Specialist
Timeline
Associate Vice President – Retail Everyday Banking Operations
NatWest Digital Services India Pvt Ltd
11.2023 - Current
Senior Manager – Invoice Finance Operations
NatWest Digital Services India Pvt Ltd
04.2022 - 11.2023
Manager – Invoice Finance Operations
04.2020 - 03.2022
Manager – Lombard Transformation Programme
09.2018 - 03.2020
Process Lead – Invoice Finance Operations
07.2016 - 09.2018
Commercial Banking & Trade Finance Operations
01.2008 - 01.2016
Master of Mathematics -
University of Madras
Bachelor of Science -
University of Madras