SATHEESH KUMAR I
THIRUVANMIYUR
Summary
Organization goal focused operations bank manager, adept at facilitating strong business relationships with clients, whilst handling various banking transactions to ensure optimum satisfaction from clients. Looking to take on new professional challenges and work towards climbing up the corporate ladder.
Accomplished banking operations manager with a focus on problem-solving and team leadership. Experienced in managing regulatory reporting and ensuring compliance with industry standards.
Overview
19
19
years of professional experience
Work History
Manager - Business Banking Operations
HDFC
03.2023 - Current
- Banking Operations, Working Capital Loans, Drawing power Sanctioning, credit approval letter facilities sanctioning according to term and conditions.
- Letter of Credit and Bank Guarantee Underwriting, Cibil, Crilic, Posidex checking Audit Handling, Credit Underwriting, Loan Lending Sanctioning, Calculation and scrutinizing, FD lien Marking, Removing, Team Handling, Team Management Process migration, UAT handling, Team Training, Automation projects handling.
- Term loan Schedule Maintenance, Prepayment and repayment of Loan, NPA Account Recovery in Oracle Flexcube Banking Software.
- Change in ROI, Refund and reversal for excess interest, Recovery from customer like Processing fees, stock audit fees, CERSAI charges etc. stock statement updation and authorization, limit setting and dropping based on latest month stock statement.
- Limit shifting and limit reinstating / Limit dropping based on credit approval/business approval.
- No Debit marking/Release hold fund marking/Release based on business team.
- Fund transfer interbank and NEFT/REGS
Deputy Manager - RBI Reporting
Equitas Small Finance Bank
01.2022 - 01.2023
- Prepare and publish regulatory reports for Liabilities.
- Attend to Ad-hoc queries from internal (Head office, local management) and/or external stakeholders.
- Prepare and share the weekly monthly, quarterly and annual regulatory reports to RBI.
- Update the BC details to IBA-Indian Bank association.
- Update the new branch details in CSBI Portal, Provide data to finance team for filing Income Tax (FATCA, FORM 61A, FORM 61B).
- International Debit Transactions reported to RBI (Via - Online, ATM and POS (swiping machine)).
- ATM Cash out report sent to RBI & Counterfeit note reporting to RBI on every month.
- DEAF Amount to be transfer to RBI account on every month.
- Payment Fraud reporting upload to XBRL portal. (Payment Fraud details will be share by our FRM team)
Manager - Supply Chain Finance
IndusInd Bank
12.2015 - 01.2023
- We have handled Pan India dealer finance and vendor finance.
- Scrutiny of documents under dealer financing and vendor financing.
- Loans are given based on the limit set by credit department for each client, terms and conditions are client specific.
- NEFT and RTGS payments sent to the anchor after the disbursement of dealer's request, coordinating with the team for processing the payments received to clear the loan amount.
- Sending consolidated reports for both vendor and dealer finance at EOD, which includes the outstanding of each dealer and limit for funding in inventory account.
- Weekly overdue report sent to the dealers for repayments.
- Reconciliation with suspense\collection account Disbursement account Repayment account and direct credit account/customer SOA
Sr Officer - Business Banking Operation
ADFC P Ltd
06.2007 - 12.2015
- HDFC bank involves the various operations in the banking sectors.
- When the customer applies for loan, the bank will deduct the insurance from the loan amount.
- I am the part of the insurance and stock statement team.
- We collect the insurance premium amount from customer and transfer the amount to HDFC ERGO General Insurance Company and they will issue the soft copy of the policy to customer and our (Insurance) team.
- We have received the stock statement form local ops and authorize the LS System and limit, ROI(rate of interest 2%) reinstate and drop CC Account.
- We Have handled south and East cases & Consolidation of Stock statement form business related customer's & will update the Core System.
- We have authorize the stock statement drop/Increase ROI and limit drop limit reinstate in core system & Uploading in System for Credit and Debit transaction of working Capital Customer.
- Request received from local Ops and RM's for debiting insurance premium amount from Customer a/c & Running SQL query to get the customer details from LS database and verifying quote to prepare PO (Pay Order) file in MS-Excel and sending request to HDFC ERGO.
- Communicating with RM's and Branches through mail or call for inadequate or missing information.
- Prepare the LCG (Local Currency Gefu) file to transfer the funds to HDFC ERGO a/c and also Income Booking, Refunds to customer a/c.
- Follow up with HDFC ERGO for policy issuance, discrepant insurance/Reconciliation and Cancellation of policy
- FBU - File Board Unit - Retails Asset: To acquire knowledge about new products and schemes regarding various types of loans which I was handled for Auto loans (AL), Two wheeler loans (TW), Personal loans (PL), STPL, Self Help Group Loans (SHG) and also I get exposed to Foreclosure of loans, PDC data entry and PDD department & keep the team updated.
- Responsible for finishing up the entire process within the given time and maintaining accuracy at the desired level.
- Responsible to maintain various MIS reports.
- Handling Queries with branches through mails.
- Verifying the loan documents, calculating the amount given in the documents, Calculating the IRR and Disbursement amount for the loan products
DCT
RR Info Tech
09.2006 - 06.2007
Education
B.com - Finance
Madras University
Skills
- Communication
- Problem-solving
- Critical thinking
- Team Management
- TAT Achievement
- Leadership
- Critical Escalation Handling
- Audit Handing
- Customer Escalation Handling
- Stakeholders Co-ordinations
Accomplishments
- Continuous 4 yrs rated as First and Second Rating.
- Promoted as a DM and Manager in a short time.
Personal Information
- Date of Birth: 07/27/85
- Marital Status: Married
Leadership Experience
Handling Team of 7 nos from Officer Grade to Deputy Manager Grade.
Communication Skills
- Team Training and Process Migration taken.
- Direct Communications with Senior Management handling queries and delivering solutions.
- Preparation of MOM and agenda of meeting with Senior Management.
Languages
English
First Language
Timeline
Manager - Business Banking Operations
HDFC
03.2023 - Current
Deputy Manager - RBI Reporting
Equitas Small Finance Bank
01.2022 - 01.2023
Manager - Supply Chain Finance
IndusInd Bank
12.2015 - 01.2023
Sr Officer - Business Banking Operation
ADFC P Ltd
06.2007 - 12.2015
DCT
RR Info Tech
09.2006 - 06.2007
B.com - Finance
Madras University