Subramanian T R

• Leading the development and execution of the SBI's compliance strategy, ensuring adherence to regulatory guidelines in respect of Retail, MSME, Corporate & Project Finance
• Oversee the implementation of risk management strategies and compliance frameworks, reducing regulatory risks by 35%..
• Collaborate with the executive team to align compliance initiatives with corporate objectives and business goals.
• Serve as the primary liaison with regulatory agencies, ensuring timely and accurate reporting.
• Conduct regular reviews of compliance policies and procedures, updating them to reflect changes in laws and regulations.
• Successfully led the organization through IRACP automation and Capital Adequacy Process Automation resulting in significant capital preservation.
• Spearheaded 100+ credit risk compliance reviews, boosting compliance adherence by 30%
• Revamped Capital Computation Process and leveraged automation resulting in CAR improvement by 35 bps
• Achieved complete automation in Income Recognition and Asset Classification process.

• Head of Small & Medium Enterprises(SME) credit of SBI's Chennai North Zone with a team size of 100 plus
• Monitoring of the portfolio of INR 44500 million and manage the credit risk, EWS, stressed asset resolution
• Oversee Credit underwriting standards and ensure credit policy guidelines of the bank
• Purchased Securities assets amounting to INR 8000 million from NBFC/MFIs
• Achieved a growth rate of 18% during FY 2020-21
• Various areas of Corporate/SME Lending (pre & post approvals) Assessing forex risk associated with the credit portfolio and capable of offering solutions to mitigate the same.

• Head of Operations responsible for overseeing Payments Systems, HR, Deposits & Treasury Management including Balance Sheet Management and Risk Management of Sydney Branch of State Bank of India
• Oversee Treasury, Audit, Administration and Risk & Compliance functions of SBI Sydney
• Cross Border Remittances & KYC/AML/CFT risk management
• Designed and Implemented an in-house process flow for regulatory reporting automation
• Designed and implemented online acquisition of new customers
• Established correspondent banking relationship with 21 banks across the globe.

• Responsible for managing Medium Enterprises Credit Portfolio of INR 1500 million
• Responsible for new client acquisition
• Preparation of Credit appraisal, analysis, obtaining sanction, documentation and disbursement of corporate credit proposals
• Monitoring of Credit Risk of the portfolio, Early Warning Signals, Restructuring and analysis of the financial statements
• Assessing Forex risk and mitigate with suitable solutions
• Surpassed the targets and achieved a growth rate of 23% year on year and adjudged as the Best Relationship Manager.

• Bank Branch Management
• Responsible for achieving targeted growth in Deposits, Retail Advances, Profit of the branch
• Responsible for ensuring smooth operations of the branch and customer service
• Achieved budgeted growth in all areas
• Adjudged as the "Best Branch Manager" of the state of Tamilnadu and rewarded as (Chairman Club Member) for 2 consecutive years.

• Head of Treasury Operations (Mid Office & Back Office) of SBI New York Treasury Operations
• Responsible for all timely and error-free settlements of Forex, Money Markets and Derivative Trades
• Monitor and Maintain ALM & Interest Rate Risks of SBI New York
• Monitor the Investment Portfolio and Exception reporting
• Not a single instance of payment of compensation for delay in settlement despite average annual trade turnover of USD 5000 billion
• Error-free settlement of redemption of India Millennium Deposits amounting to USD 7 billion to retail investors in India.

Joined SBI as a clerk (customer service associate) during 1994 and promoted as Assistant Manager, Deputy Manager & Manager respectively within a span of 10 years. During the initial career spanning over 10 years handled various desks/areas of banking such as Teller, General Ledger Officer, Retail Credit Officer, SME Credit Officer, Forex Officer etc.