RAMPRASAD C
Subject Matter Expert - Banking
Kakkand
Summary
Banking leader with over 20+ years of expertise in branch banking, CASA mobilization, retail asset lending, Debt recovery, NPA/SMA Management, SME/MSME finance, agricultural lending, micro credit, and JLG financing. Proven ability to drive business growth, enhance asset quality, manage collections and recovery, and maintain compliance with regulatory requirements. Experienced in handling high-value client portfolios, mentoring teams, and delivering operational excellence.
Overview
22
22
years of professional experience
1
1
Certification
1
1
Language
Work History
Subject Matter Expert
Tecnostac Systems Pvt Ltd
01.2025 - 12.2025
- Acted as the strategic link between banking operations and IT teams for CBS development, ensuring alignment with best practices, regulations, and client needs.
- Gathered and analyzed requirements from banks, MFIs, and SACCOs; translated deposit, loan, payments, and treasury processes into functional specifications.
- Authored BRDs, FSDs, and parameter setup guides; ensured system compliance with central bank, AML/CFT, and IFRS standards.
- Designed and validated workflows, product parameters, and interest/repayment structures to meet business and regulatory needs.
- Led UAT, developed banking-specific test cases, verified transaction accuracy, interest accruals, and reporting outputs.
- Conducted client training sessions, created user manuals, and facilitated operational knowledge transfer.
- Recommended and implemented system enhancements to improve efficiency, compliance, and customer experience.
- Conducted Training onsite at African Countries like Kenya, Cameroon. Onsite implementation mentoring, technical assistance etc.
- Info park Kochi.
Branch Manager (Assistant Vice President)
CSB Bank Ltd
02.2024 - 09.2024
- Managed branch operations across deposits, advances, CASA mobilization, retail lending, and collections.
- Strengthened customer engagement, improved asset quality, and ensured compliance with banking regulations.
- Major stake on the Gold loan portfolio enhancement and recovery.
- General Branch Banking Functionalities
Branch Manager & Regional Sales Manager
Dhanlaxmi Bank Ltd
03.2010 - 01.2024
- Oversaw end-to-end branch operations including deposits, advances, SMA management, and third-party product (TPP) sales.
- Managed SME, SHG, Kissan Credit Card, Retail Agri loans, Mortgage loans, SME advances, Housing loans, LAP, LAS, Micro credit (SHG/JLG funding, group formation, grading, risk classifications etc), Auto loans, Gold Loans, Overdraft, Cash Credit, Government sponsored loans to SME/MSME other BU’s.
- Ensured safe custody of valuables, gold loans, bank guarantees, ERV etc
- Mentored and monitored team members to enhance business performance
- Meeting KRAs/KPIs, and achieve sales targets of branch as well as staff members
- Implemented digital banking initiatives, including onboarding for e-pay systems, EDC servicing, and payment gateway solutions.
- Liaised with vendors to negotiate MDR pricing based on profitability metrics and strengthened CASA relationships.
- Evaluated NPAs, conducted credit appraisals, and ensured timely sanction /disbursement of loans.
- Conducted concurrent audits, Credit Process Audits, Reduced revenue leakages, and maintained high service delivery standards.
- Staff Training, Mentoring and grab the productivity as per the business standards set by the management.
- RBI compliance, reporting to Central bank, BLBC, SLBC, RO, CO etc on time for submissions onwards. Maintain the quality of data and accuracy at reporting stage, KYC/AML due diligence etc.
- Managed HNW portfolios, ensuring personalized service and enhanced client retention.
- Maintained strong public relations to promote branch image and community engagement.
- Regional Sales Manager – Chennai Region
- Managed retail liability, assets, and TPP business across 34 branches.
- Provided product and soft skill training to branch staff.
- Designed and executed regional campaigns to drive business mobilization.
- Coordinated sanctioning and disbursement of MSME, retail, corporate, and government-sponsored loans (PMAY, PMEGP, Mudra).
- Allocated branch targets and monitored performance through MIS reports.
- Acted as the single point of contact at the regional office for operational and credit support.
Assistant Manager – Personal Banking
HDFC Bank Ltd
07.2007 - 03.2010
- Managed branch-level personal banking operations and customer service.
- Sold liability and asset products including mutual funds, insurance, ULIPs, RBI bonds, gold, equity trading, and demat.
- Performed teller functions, cash operations, cheque clearing, ECS, and forex transactions.
- Acted as ATM custodian, handling maintenance and cash loading.
- Cross-sold credit cards, loans (personal, business, housing, LAP, LAS, gold loans), and other financial products.
- Managed safe custody of documents and valuables, ensuring compliance with RBI guidelines.
Junior Officer
UAE Exchange & Financial Services Ltd
03.2006 - 07.2007
- Executed forex transactions, remittances, and marketing of financial services. Built customer relationships and supported cross-selling of products.
Processing Executive
Citi Financial Consumer India Finance Ltd
06.2004 - 10.2005
- Processed and verified personal, consumer durable, and vehicle loans. Conducted credit analysis and supported collections activities.
Education
Post Graduate Diploma in Management -
Madurai Kamaraj University
B. Com - undefined
Calicut University
Junior Diploma in Co-Operation - undefined
Kerala State Co-Op Union
ThiruvananthapuramSkills
Branch Banking & General Banking Operations
CASA Mobilization & Business Development
Credit Appraisal & Loan Sanctioning
Retail Asset Lending – Personal, Business, and Gold Loans
SME/MSME & Agricultural Lending
Micro Credit (Individual, Group) & JLG Lending
Certification
AMFI, NCFM (DP Module)
Interests
Percussion instruments, music
Timeline
Subject Matter Expert
Tecnostac Systems Pvt Ltd
01.2025 - 12.2025
Branch Manager (Assistant Vice President)
CSB Bank Ltd
02.2024 - 09.2024
Branch Manager & Regional Sales Manager
Dhanlaxmi Bank Ltd
03.2010 - 01.2024
Assistant Manager – Personal Banking
HDFC Bank Ltd
07.2007 - 03.2010
Junior Officer
UAE Exchange & Financial Services Ltd
03.2006 - 07.2007
Processing Executive
Citi Financial Consumer India Finance Ltd
06.2004 - 10.2005
B. Com - undefined
Calicut University
Junior Diploma in Co-Operation - undefined
Kerala State Co-Op Union
Post Graduate Diploma in Management -
Madurai Kamaraj University