R.G. HARINATH KARTHICK

Always looking forward to get into unchartered territories where I can combine the skills of an efficient team player and leader with out of the box ideas to contribute significantly towards organization’s growth. My perseverance to learn and adapt new products, process and environment makes me an ideal candidate to improve the bottom line and thereby accomplishing organizational objectives to the fullest. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level [Job Title] position. Ready to help team achieve company goals.

• The Repco Home Finance Ltd, Oct 2019 to Aug 2021, Inspection Department, Chennai, Oversaw the Inspection Department, leading a group of twenty inspectors in the tasks of document vetting, document deposit, internal branch inspection, and branch rating. Was a part of the staff accountability group. Conducting internal audits, evaluating financial controls, assessing compliance with regulations, identifying areas of financial risk, recommending process improvements, and ensuring financial data accuracy. Additionally, collaborated with other departments to enhance overall financial governance and contribute to the organization's strategic goals.
• Oct 2019 to till date, DGM, Chennai, As a Deputy General Manager (DGM), I am typically holding a senior management position with responsibilities that may include overseeing specific departments, managing projects, developing and implementing strategic initiatives, collaborating with other executives, ensuring operational efficiency, and contributing to the overall leadership and decision-making within an organization. Specific duties can vary based on the industry and company structure. Currently engaged in the company's business development. Leadership and Team Management: Demonstrated effective leadership in managing and motivating sales teams, ensuring they meet and exceed targets.
• Oct 2015 to Aug 2019, AGM, Chennai and Hyderabad, Regional Head for AP, Telengana, West Bengal, and Orissa. Managing sales, credit, and collections for the entire region, with a portfolio of Rs. 1000 crores in housing loans and loan against property. Regularly monitor the performance of the portfolio, analyze deviations from benchmarks, and implement adjustments as needed. Provide services for self-employed professionals and small and medium businesses, including balance sheet analysis, business verification, KYC verification, property verification, and personal discussions with prospective clients. Recommendation of proposals for more over Rs. 50 lakhs to the relevant authority, including a field verification report. Previously, from October 2015 to October 2017, I was responsible for business development and recovery at PAN India's corporate office in Chennai. Coordinating with the sales, credit, and collection teams for their particular portfolios motivates them to meet targets, maintain strong credit quality and assessment, and follow up effectively on recovery. I was a member of the OTS committee.
• Dec 2011 to September 2015, Chief Manager, Chennai, Branch Head of Ashok Nagar Branch, housing loan proposals, credit appraisal, paperwork, recovery and follow-up, general branch administration. Managing monthly Disbursement in assigned branches Managing of outstanding loans of approximately high repayment levels in each branch. Ensuring proper utilization of operational resources and compliance with operational processes. Ensuring branch offices has proper functional support
• HDFC Bank Limited, Oct 2007 – April 2009, Senior Manager, Chennai, was taking care of Personal Loans,Business Loans/Unsecured Loans and also in Appraisal and sanction of credit proposals for the above centers for limit up to Rs. 50 lakhs, and sending appraisal with recommendation for proposal for more than Rs. 50 lakhs to respective credit sanctioning authorities, review of monthly reporting of excess/TOD in accounts, churning in the accounts, periodical verification of accounts causing concern, regular unit inspection of high-profile clients, reviewing of limit sanctioned by Credit Managers, due date intimation Verification of Pre-sanction documentation, Post sanction documentation, verification of collateral securities as per the legal opinion and valuation reports. Worked as Credit Analyst at Centurion Bank of Punjab Limited (HDFC Bank Ltd), Madurai from August 2005 to September 2007. Started the SME portfolio for Madurai, Trichy, and Salem Branches in August 2005 and has booked business to the tune of Rs. 45 crores at Madurai, Rs. 15 crores at Trichy and Rs. 45 crores at Salem Branches. Looking after the SME portfolio of the branch, with credit appraisal of the proposals, documentation for limit, monitoring of account on a day to basis, follow-up with the customers for stock statement & Book debts statement, renewal of insurance & periodical renewal/review of limits, cross selling of other banking products with the existing/prospective customers. Preparation of market investigation report and fixing rate of interest based on credit risk rating.
• Bharat Overseas Bank Limited, Sep 1998 – Dec 2001, Clerk, Rajouri Garden Branch, New Delhi, Worked in the front office of all departments during the tenure as clerk at Rajouri Garden Branch. The job involves collection of stock statement, calculation of DP, monitoring of accounts, deduction of interest for limits and EMIs of term loans in advances department; posting of vouchers, interests on SB accounts, tallying of books of accounts, cash department, clearing department. The branch was functioning manually and was computerized to the Banks own software during Dec’2000. Liasoning with the customers for submission of renewal/review papers with all attendant datas, inspection of units at regular intervals with physical verification of stocks. At head office handling pre sanction and post sanction documentation verification, Surprise Unit inspection of the financed companies/firms, Inter Branch Audit. On line monitoring of accounts about verification of interest, drawing powers, insurance details and timely submission of irregularities observation to the respective branches and the departments at Head office for necessary action. Handling retail advances portfolio like housing loans, educational loans, mortgage loans, personal loans, doctor’s loan, co-ordination with the branch and the borrower for immediate sanction as per banks policy. To send renewal/review due notice to all the branches for timely renewal/review of the accounts.

• Selected by the Bank as one of the achievers while awarding the Best Branch award for Rajouri Garden during my tenure as clerk.
• Received Merit certificate for canvassing deposits for Rajouri Garden Branch.
• Recognized for good contribution in achieving 30% growth in Advances by the credit department.
• Won a trip to Singapore while working in Centurion Bank of Punjab Ltd, Pan India Best Manager Award for the year 2006-07.

• Date of Birth: 03/22/75
• Gender: Male
• Marital Status: Married

• Attended one-month training program on Credit administration, Documentation and supervision conducted by SBI STAFF COLLEGE, HYDERABAD.
• Attended one-week training program on Credit rating model conducted by CRISIL, MUMBAI.