RAMESH KUMAR V
Regional Manager
Vijayawada
Summary
Banking operations leader with over 22 years of experience in areas such as CASA, liabilities, and government business. Expertise in reconciliations, KYC compliance, and complete loan lifecycle servicing. Demonstrated success in managing centralized operations, maintaining SLA discipline, and ensuring audit-ready controls. Proven ability to lead large teams and collaborate effectively with business and risk units to achieve high-accuracy operations.
Overview
26
26
years of professional experience
2
2
Certifications
3
3
Languages
Work History
Regional Head (AVP)
City Union Bank
06.2024 - Current
- Oversaw business functions for 22 branches, managing liabilities of ₹1,000 Cr with a CASA ratio of 35%. Maintained zero exceptions in GL reconciliation to facilitate audits across branches. Instituted maker-checker controls for effective workflow and access rights monitoring. Executed regular reviews of access rights, ensuring precise SOPs and documentation maintenance. Partnered with Sales and Operations to optimize onboarding and processing workflows. Addressed customer complaints swiftly, guaranteeing timely resolutions.
Assistant Vice President
CSB Bank
10.2020 - 05.2024
- Managed branch liabilities, including TPP and gold loans, ensuring regulatory compliance. Oversaw onboarding processes for new customers, improving operational efficiency. Directed team activities to enhance performance and achieve organizational objectives. Executed lead generation strategies for asset acquisition, driving branch growth.
Senior Manager
Punjab National Bank
01.2000 - 09.2017
- Managed branch liabilities, including TPP and gold loans, ensuring regulatory compliance. Oversaw onboarding processes for new customers to enhance operational efficiency. Directed team handling to optimize performance and achieve organizational goals. Executed lead generation strategies for asset acquisition, driving branch growth. Managed end-to-end retail and MSME loan operations: appraisal, documentation, sanction, disbursal. Ensured adherence to regulatory norms and RBI guidelines throughout loan processes. Performed GL reconciliation, maker-checker duties, exception closures, and audit compliance. Achieved multiple zero-exception audit ratings through implementation of strong control frameworks.
Education
CAIIB - undefined
Indian Institute of Banking & Finance (IIBF)
01.2006
B.Com - undefined
Acharya Nagarjuna University
01.1994
Skills
Business development
Pre-screening and file scrutiny Liabilities assessment Risk evaluation
Loan servicing lifecycle
GL reconciliation and exception reporting
Audit controls framework
LOS and LMS systems Workflow management Core banking solutions
Stakeholder coordination in business, sales, and risk Cross-functional collaboration Strategic planning and execution
Customer complaint resolution Escalation management Conflict resolution
Team leadership Coaching and mentoring Performance improvement
Certification
Foundation Course in Generative AI (GenAI)
WHY I FIT THE “ State head – MSME loans “
22+ years in secured MSME lending, disbursal operations & centralized credit processing. Proven ability to meet TAT, manage exceptions, reconcile GL, and ensure audit excellence. Strong hands-on experience with LOS, LMS, workflow systems used in retail credit. Led teams of 150+ staff with strong people management & productivity enhancement. Skilled in change management, and implementing system/process updates. Experienced in managing CCU escalations, customer complaints & cross-functional coordination.
Timeline
Regional Head (AVP)
City Union Bank
06.2024 - Current
Assistant Vice President
CSB Bank
10.2020 - 05.2024
Senior Manager
Punjab National Bank
01.2000 - 09.2017
CAIIB - undefined
Indian Institute of Banking & Finance (IIBF)
B.Com - undefined
Acharya Nagarjuna University