Santhosh Dolphi Menezes
Branch Head | Project Manager | IT Management | Banking / Business Domain
Mangalore
Summary
A seasoned IT and Banking leader with 37+ years of experience in retail and commercial banking, IT project management, and branch operations. Proven expertise in managing large business portfolios (₹1825 Cr at COIMBATORE, ₹1375 Cr at KERALA), delivering international IT projects in London with GDPR and FCA compliance, and transforming underperforming branches into profit centers. Recognized for visionary leadership, operational excellence, and the ability to drive growth across diverse loan categories including Retail, Microfinance, Gold, and Corporate Lending.
Pursuing full-time role that presents professional challenges and leverages interpersonal skills, effective time management, and problem-solving expertise.
Overview
3
3
Languages
6
6
Certifications
38
38
years of professional experience
Work History
OSD – Inspection
Karnataka Grameena Bank
07.2025 - Current
- Conducting branch inspections, compliance checks, and operational reviews.
- Ensuring adherence to banking codes, RBI guidelines, and IT security standards.
- Reviewing loan documentation, KYC/AML compliance, and credit risk management practices.
- Monitoring branch operations for regulatory gaps, fraud prevention, and audit readiness.
- Preparing detailed inspection reports and recommending corrective actions to senior management.
- Supporting operational improvements and strengthening compliance culture across branches.
OSD – Inspection
Repco Bank Chennai
07.2024 - 06.2025
- Led inspection of multiple branches ensuring regulatory compliance and operational efficiency.
- Verified adherence to KYC/AML norms, credit appraisal standards, and RBI directives.
- Conducted audits of loan portfolios, deposits, and branch-level financial reporting.
- Identified process gaps and implemented corrective measures to improve compliance.
- Strengthened operational processes and improved audit readiness across inspected branches.
Chief Manager (Business Unit Head)
Canara Bank – KERALA Branch
04.2023 - 10.2023
- Business Head Profile: Managed a ₹1825 Cr branch portfolio with diversified loan products including Retail, Microfinance, Gold Loans, and Corporate Lending.
- Turned the branch into profitability by maintaining strict TAT and expanding retail/housing loan portfolio.
- Strengthened customer relationships and drove fresh business growth through innovative strategies.
Chief Manager (Business Unit Head)
Canara Bank – COIMBATORE Branch
08.2020 - 04.2023
- Business Head Profile: Oversaw a ₹1375 Cr branch portfolio, leading operations across Retail Loans, Microfinance, Gold Loans, and Corporate Lending.
- Transformed the branch into a profit center through innovative business growth strategies.
- Expanded retail and housing loan portfolios while strengthening compliance and operational efficiency.
Chief Manager – IT
Syndicate Bank – London CBS Project
05.2017 - 09.2020
- Led end-to-end implementation of Finacle CBS for the London branch, ensuring seamless migration and compliance with UK regulatory standards.
- Directed a cross-functional team of 25 bank users and 20 DXC India professionals to deliver project milestones on time and within budget.
- Oversaw Treasury Core Banking and Dealing software operations, ensuring FCA compliance.
- Acted as Data Protection Officer, implementing GDPR-compliant policies and ensuring data security.
- Coordinated with vendors for AML software, Treasury software, and UAT testing, ensuring successful rollout.
- Directed network monitoring and disaster recovery drills, maintaining business continuity between London and DRS sites.
- Handled front office and back office operations, including SWIFT payments, Treasury settlements, and FCA remediation support.
- Conducted user training programs for Finacle Core and Treasury modules.
- Played a key role during the amalgamation of Syndicate Bank with Canara Bank (Mar 2020), ensuring smooth IT migration and operational continuity.
- Designed and implemented IS Security policies, proactively monitoring for loopholes and strengthening cyber resilience.
- Delivered customized reports and MIS solutions for Treasury and Core Banking, aligning with UK regulatory standards.
Senior Manager – IT, HRMS Project
Syndicate Bank Head Office
06.2016 - 04.2017
- Defined HRMS strategy and roadmap.
- Managed UAT, release management, and global deployment.
Senior Manager – IT, Nagpur Regional Office
Syndicate Bank
01.2014 - 01.2016
- Supported 56 branches with IT operations and MIS reporting.
- Deployed ATMs, opened new branches, and managed IT procurement.
Manager – IT, Karwar Regional Office
Syndicate Bank
01.2011 - 01.2014
- Provided IT support for 61 branches.
- Oversaw branch conversions to core banking software.
Manager – IT, Mangalore Regional Office
Syndicate Bank
01.2008 - 01.2010
- Supported IT operations for 90 branches.
- Ensured timely resolution of IT issues with strict TAT.
Manager – Operations, Service Branch
Syndicate Bank Mangalore
01.1988 - 01.2008
- Progressed from Teller to Manager.
- Managed clearing operations for 46 branches, ECS transactions, and funds management.
- Supervised staff, conducted performance appraisals, and drove new business development.
Education
MBA - Banking
Sikkim Manipal University
M.A. - Sociology
Karnataka University
DharwadPGDBM - undefined
Aloysius College of Business Management
B.A. - undefined
Osmania University
Skills
Retail & Commercial Banking
Compliance Review Processes
Banking Standards Adherence
Fraud Prevention Strategies
Risk controls
Compliance reporting
Project & Change Management
Operations & IT Service Management
Branch Operations Management
Vendor & Customer Relationship Management
MIS Reporting & Business Analysis
Tools: MS Office (Excel, Word, PowerPoint), Oracle
Operating Systems: Windows
Certification
CEISB – Certified Information System Banker (IIBF, Mumbai)
Accomplishments
- Large Portfolio Leadership: Successfully managed branches with portfolios of ₹1825 Cr (Ottapalam) and ₹1375 Cr (Madukkarai), driving profitability across diverse loan categories — Retail, Microfinance, Gold, and Corporate.
- Global IT Project Delivery: Spearheaded the London CBS Project, implementing Finacle Core Banking, Treasury systems, AML software, GDPR-compliant data protection, and FCA remediation.
- Inspection & Compliance Expertise: Conducted branch inspections ensuring strict adherence to RBI guidelines, AML/KYC norms, and operational risk controls, strengthening compliance culture.
Timeline
OSD – Inspection
Karnataka Grameena Bank
07.2025 - Current
OSD – Inspection
Repco Bank Chennai
07.2024 - 06.2025
Chief Manager (Business Unit Head)
Canara Bank – KERALA Branch
04.2023 - 10.2023
Chief Manager (Business Unit Head)
Canara Bank – COIMBATORE Branch
08.2020 - 04.2023
Chief Manager – IT
Syndicate Bank – London CBS Project
05.2017 - 09.2020
Senior Manager – IT, HRMS Project
Syndicate Bank Head Office
06.2016 - 04.2017
Senior Manager – IT, Nagpur Regional Office
Syndicate Bank
01.2014 - 01.2016
Manager – IT, Karwar Regional Office
Syndicate Bank
01.2011 - 01.2014
Manager – IT, Mangalore Regional Office
Syndicate Bank
01.2008 - 01.2010
Manager – Operations, Service Branch
Syndicate Bank Mangalore
01.1988 - 01.2008
B.A. - undefined
Osmania University
PGDBM - undefined
Aloysius College of Business Management
M.A. - Sociology
Karnataka University
MBA - Banking
Sikkim Manipal University