T.V. SIVARAMAN

Ø The role involves acquisition and book keeping – Commercial Credit.

• Independent RM handling a portfolio size of more than Rs. 1500 Crore spread over 200 Km radius.
• 15% growth in asset size during FY 2023-24.
• 12 NTBs onboarded during FY 2023-24.
• More than 90% achievement of targetted income.
• Role also involves balance sheet analysis, assessment and credit discussions.
• Optimized inter departmental coordination and contributing to other related Sale areas and product teams in Treasury, CMP, Farmers Funding and others.
• Incharge maintenance and compliance both internal and statutory for the jurisdiction of the portfolio.

• Heading a team of 31 Branches in the Dindigul Jurisdiction of SBI, with a portfolio size of INR 300.00 Crore, with clientele spread across industry sectors and portfolio includes Foreign Currency Exposures
• Improved the average ticket size per client from INR 1.21 Crore to INR 7.14 Crore by on boarding new clients to the portfolio by way of takeovers, new to credit clients and funding start ups
• Increased the portfolio size from INR 28.00 Crore to INR 300.00 Crore within a period of 10 months
• Identification of the appropriate risk assessment models on the basis activity type, industry sector and exposure level of the client
• Driving the team towards completion of documentation, maintenance of the credit facilities throughout the tenor of the loan and other statutory/ internal compliances.

• Reporting of frauds, covering the Flash and FM Reports.
• Keeping track and ensuring compliance of various stages of reporting as per Bank’s laid down instructions and RBI’s policy guidelines and reporting the same to the Corporate Office and further reporting to RBI.
• Suggested suitable solutions for prevention of any future occurrences of frauds in varied areas in Banking.
• Arranged for inter- zonal, inter- departmental coordination and facilitated interactions between circle management and top management of the Bank.

• Performed Code Coverage testing, Black Box, White Box testing, and participated in various other test cycles on Windows Operating System (VISTA)
• Performed automated test execution and analysis of the automations written in C++
• Have been incharge of the teams hardware inventory and participated in driving the team towards presenting white papers
• Presented white paper on Computer Overclocking.