ravichandra - senior manager and banking professional (1)

RaviChandra EmmandiSenior Banking Professional and 24+ Years experience Industry Veteran

Location: Visakhapatnam, India +91-9502369611/+91-9290080080 (India) [email protected]

Senior Manager – Retail & Branch Banking- State Bank of India “High integrity & energetic leader with proven skills in branch managing, resource optimization, risk

assessment, training, retail and investment banking, IT and process automation” “Proven track record of establishing Branches, formulated & implemented policies, performing strategic

plans, risk mitigation plan for state bank of India (SBI)”

Location Preference: Asia Pacific/ Middle East/ India ~ Industry Preference: Banking

SUMMARY

24+ Years of working experience in banking industry (State Bank of India) in various fields in cash management, accountancy, credit management, headed two branches as manager/Head

Worked as manager for project banking in CBS platform with trouble shooting abilities in core banking Proficient in identifying & evaluating risk areas across operational activities & implementing strategic plan to

prevent, eliminate & mitigate operational risks Strategized and converted loss 10+ branches to profit branches and recovered the over dues in Non-performing

loan accounts with the team to achieve good profits to the organization Innovation-focused change agent with skills in planning & delivering solution design based on business

requirements; designing a cost estimate and resourcing plan based on the operations design for monitoring and controlling risks

Possess technical, analytical and business knowledge with a track record in fraud investigation, financial control & reporting matters

knowledge on regulatory changes (Central Bank, Data security, AML etc) & can articulate impact to the business Exceptional in streamlining & improving existing systems / processes, envisioning new methodologies, future

trends and driving development, direction and accomplishment Experience in identifying ways of strengthening & measuring internal controls, improving efficiencies and

adding value by matching organisational capabilities with client needs Achieved all budget targets in deposits and advances YoY throughout the tenure with state bank of India(SBI) Processed and sanctioned all types of loans in personal segment - housing loans, car loans, education loans,

mortgage loans and business loans under SME segment Actively chased the targets given apart from banking like cross selling, achieved all the goals within the time and

was recognized and awarded by the management Achievement oriented professional with excellent people management skills and capabilities in managing change

CORE COMPETENCIES

Retail & Investment banking Turn around management Credit management Branch management Internet & mobile banking Core Banking software Cash management NPL management Loan processing & collections Business development Digital channels concepts Electronic KYC and benefits Regulatory & compliance aspects Leadership skills Human resource skills Capital management Accounting & reconciliations Operational Efficiency Project management Retail & Corporate Loans MIS Reporting Digital Transformation Clearning and settlement Fund transfers

WORK EXPERIENCE

Since March 1992, with State Bank of India

As Branch Head – Visakhapatnam, State Bank of India

RAVICHANDRA EMMANDI – SENIOR BANKING VETERAN

Key Result Areas:

Supervising a 10 member team, with a balance sheet size of INR 1 Billion and INR 2.2 Million profit (INR) Managing the activities for products like fixed period deposits to derivative products in Foreign Exchange Working with teams and supporting them for selling products and services like mutual funds, insurance (life and

general) and stock trading accounts Providing investment advisory for individuals and institutions and facilitating strategic planning for achieving

different targets Reviewed and redesigned the risk management structure including devising new risk appetite, risk framework

and policies; developing new risk identification, assessment and reporting processes Restructured existing products to suit the client’s risk/return needs Managed and developed portfolio of assets, including commercial loans to meet the liabilities and achieving

return target (Net Profit) Supervised a team if 20+ people in various activities such as research, client advising, selling financial products,

credit analysis and financial planning Allocated asset of high net worth individuals into the various structures of organisation, such as fixed income

products, systematic investment plan and Insurance Successfully recovered Rs. 50.00 Lakhs (INR) of bad debts from region Designed new products in coordination with Bank FIs and Non-Bank FIs Facilitated the procedure in buying and selling assets in trade receivables, loans and bonds and managing

maturities and liquidities Managed day-to-day operational risk management activities such as risk and controls assessments, due

diligence, incident capture and analysis, and scenario analysis and planning Worked on an investment opportunity in the bank; assessed the sector’s performance, created valuation models

and the investment memorandum to support the project finance transaction Advised various fixed income products in the region and led new products/structures/frameworks

Highlights:

Used Risk Management tools such as VaR etc. to effectively measure and manage risk Developed and implemented monitoring tools for Bad Debts from risk point of view Conducted risk analysis Implemented Tools and Techniques for Qualitative & Quantities Risk Analysis such as

Risk Probability and Impact Assessment, Probability & Impact Matrix, Risk Categorization, Expert Judgement, and Data Gathering & Representation Techniques, Quantitative Risk Analysis & Modelling Techniques, Cost Risk Analysis, Expert Judgement, and so on

Automated the Credit Administration work involving Credit Risk Assessment, Credit Appraisals, Verification of Documents and Sanction of Loans

Pivotal role in increasing the balance sheet three times of the branch in loans and deposits Mobilized funds and investments worth 45.30 Crores / US$ 7 Million of High Net Worth Individuals (HNIs) The work spans from closely observing a large number of accounts for symptoms of stress to hard recovery

measures employed many data mining, data warehousing and predictive algorithms to keep the Bad Loan percentage

within an acceptable level

EDUCATION

B. Sc. (CBZ) from Andhra University (One of the oldest universities in India) – Visakhapatnam, India

AWARDS

Awarded Best Branch Manager for outstanding performance in Personal Segment growth during the financial year 2012-13 by the Chairman, State bank of India.

Certificate of Excellence was awarded for outstanding contribution in Recurring Deposit campaign-May 2013 by General Manager (NW-II).

Achieved Gold Crown in Deposit Mobilization campaign in the year 2011 from General Manager (NW-II). Outstanding performance in Mobile Banking Freedom Rewards campaign as Branch Manager in the year 2012

from General Manager (NW-II)


Certificate of excellence of excellence in Mobile Banking campaign as Branch Manager in the year 2011 under semi-urban and rural category from General Manager (NW-II)

Outstanding performance in 7 star Saving Account campaign as Branch Manager in year 2010 Second best in the region as Branch Manager for RFIA score in central audit during the year 2011-12 Certificate of Excellence as Branch Manager for converting the Loss branch into profit branch during the financial

year 2011-12 Certificate of Merit for outstanding performance as Branch Manager in Absolute growth in Advances during the

financial year 2012-13from Deputy General Manager (B&O) Certificate of Merit for outstanding performance in SBI Life Insurance during the financial year 2012-13 from

Deputy General Manager (B&O) Outstanding performance as Branch Manager for the Swarnadhara kharif 2012 campaign and received bronze

crown from General Manager. Excellent performance in cross selling in SBI Life Insurance as supersonic MDRT by cashiering Rs.31.90 lacs from

January,2013 to March,2013. Award received from General Manager (NW-2). Commendation Certificate of Appreciation for outstanding contribution to cent per cent implementation of Core

Banking Project in Hyderabad Circle. This certificate was received from the hands of Chief General Manager

CERTIFICATIONS

CISA (Certified Information Systems Analyst) CAIIB (Certified Associate of Indian Institute of Bankers) – Both parts Certified Insurance facilitator

TRAININGS ATTENDED

Per segment advances for frontline officers Recovery aspects in Non-performance assets to Branch heads Budgetary analysis and achievement programme for Managers SME Programme for Senior Managers Back office IT for officers Targeting Deposit schemes in rural and semi-urban areas to the supervising staff Cross selling/Insurance and Mutual Fund training programme for top performers Annual closing programme for Branch Heads Forex in depth for Branch Managers CIBIL analysis in credit Management

PERSONAL DETAILS

Date of Birth: 16th April 1966Languages Known: English, Hindi and TeluguNationality: Indian Marital Status: Married Passport No.: J2940035 Expiry Date: 01/11/2020Visa Status: NilHobbies Latest trends in the global banking requirementsNotice period Available immediately
