Seeking Middle management level assignments in Credit Operations/ Operations Management with an organization of high repute preferably in Banking/ Financial Services sector Result Oriented Professional with More than 9 years of experience in Credit Operations Transitions / Migrations Process Improvements SLA / TAT Management Operations Management Team Management Operational Reviews Undertaking post approval credit monitoring for review/ amendments of limits, compliance, facility letter preparation, disbursal of funds Liaising between organization groups (e.g. vertical management; technology practices; domains; support teams; etc.) and stakeholders at various levels.
Manager Credit Services01/2014
to 09/2014 HSBC Global Service Delivery – India
Manager Credit Services Mar 14 till date Highlights: Successfully completed Off shoring the Credit Services Process from HSBC UAE and HSBC Canada to Hyderabad.
Actively became part of the training Was part of off shoring Commercial Banking Administrative Services operations Migration from HSBC Bank Canada to Global Service Delivery Center at Hyderabad.
Played a Key role in understanding the Credit Administration policies in Canada and regional differences and review the process, establish the process flows; write down procedural steps and to ensure smooth transition to GSC, The project was executed within the Timelines against a challenging Business Environment and was declared Business As Usual in Sep 2011.
Was chosen to be part of Training, Implementation and Migration team, to migrate and centralize the HSBC Bank Middleast Commercial Credit Administration Team (Securities Security Document Verification processes and Limits Loading).
Responsible in reviewing the Operational Risks and process gaps for the Processes offshored, Work closely with Business and Risk to ensure smooth Transition of the project to Hyderabad and Colombo Centers, Cross training the existing team in Hyderabad ensured the processes reached (BAU) successfully.
Played a stellar role in: In off shoring and streamlining the CARM Security and Facility Certification process.
This process is to provide a confirmation to Credit Approvers Team on the current Facility and Security Status and deficiencies for all the Commercial Customers, basis the confirmation the Lending decisions are taken.
The Project was declared Business As Usual (BAU) within 7 months of the time lines with 100% Quality and was part re migrated to Colombo Service Center owing to Business Contingencies.
Completion of various Cross Training projects and between the teams and across centers to strengthen the teams and contributed towards better utilization of capacities.
In capacity of an individual contributor was instrumental in smooth transition of CARM certification Process and had played a pivotal role in the process achieving BAU, cross trained Assistant Manager from GSC Colombo on CARM Certification.
Successfully transitioned the Credit Limit setup on HSBC Transaction systems from UAE Region to Hyderabad Center, This migration was pivotal in terms of expanding the scope of services offered at Hyderabad which enabled to move further Credit services work to HSBC service centers.
Essayed a key role in conducting Single Point of Contact for all process related queries for Hyderabad, Colombo and Kolkata Centers.
Liaised with business partners in understanding and implementing procedural changes in the existing and newly migrated processes at Hyderabad Center.
Owing to vast experience on Commercial Credit Administration services across various Business regions of HSBC and has evolved as Subject Matter Expert for Hyderabad center on Credit Services there by becoming a single point of Contact for all the Business Escalations and Complex query resolutions.
Responsible in periodic review of Procedures, to identify procedural gaps/Technical Improvements and upgrade the procedures.
Successfully bagged: HSBC 100 Club Finalist Awards for 2007 and 2009, an Award for Top performance under Individual Category in HSBC.
Carried out: Worked towards segregating the Transaction Groups into separate Job Families that form part of Program CARM this project is to streamline and standardize credit services work within HSBC Bank to free up Relationship Managers Time and help them in generating more revenues for the Bank.
In Consultation with in House Software Development Team worked towards design development and deployment of a Risk Mitigation Tool which is used to eliminate Operational Risk Incidents, The per day average Transactions processed using this Tool would be more than a Billion Canadian Dollars.
Reconciliation of Nostro General Ledgers Accounts, Bank's Fee and Income Account Ledgers on the Transactions processed by the Credit Service Center.
Customer Service Executive03/2005
to 12/2008 Growth Path
HSBC Technology and Services HTS
Manage the Credit Operations Function (Pre and Post Approval functions) by ensuring seamless service to the Relationship Managers without compromising on the Credit Policies and Procedures.
Expertise at ramping up, managing, motivating, building and nurturing team with proven ability of achieving Service Delivery Organizational Targets and smooth functioning of operations.
Ensure business continuity and stability Manage relationship with various stakeholders Core competency: Proficiency in development and implementation of Procedures and contributing towards improved customer service, heightened productivity and enhanced internal controls.
Adept in identifying gaps in Credit Proposals vis-à-vis approval terms as per the guidelines laid by the Credit Risk team Drive constant improvement in the quality of service provided to Business partners and external customers.
Continually reassess the operational risks associated with the role and inherent in the business, taking account of changing economic or market conditions, legal and regulatory requirements, operating procedures and practices, management restructurings, and the impact of new technology.
Act as a leader by motivating the team and focusing on the development of direct reportees.
Maintain HSBC internal control standards & facilitate team to carry out all pre and post approval activities in awareness of the respective Business Area's Credit Risk guidelines, policy and procedures.
Provide appropriate advice and guidance to the Processors so as to ensure that all relevant controls are in place &minimize risk to the Bank.
Capable of taking decisions quickly.
Ability to stand firm amidst pressure, but also be flexible should the situation demand without exposing the HSBC Group to unnecessary risk.
Ensuring customer limits are released in the Transaction Processing system as per approvals and Policies and procedure within the Limits of Authority (up to AED200,000,000/- and CAD250,000,000/-) Assisting Relationship Managers in undertaking Post Approval review and monitoring of Credit Facilities, Facilitating in preparation of Facility Offer Letters, Security Document verification and Review of Security deficiencies.
Register/Creation /Release Charge on Fixed and Floating Assets with Local Government Authority on Securities provided against Bank Borrowings.
Monitor and Approver the Transactions processed by staff (upto CAD25,000,000/-) and ensure the daily balance match via end of day Reconciliation Track and Monitor and Facilitate rollover/payout of Fixed Rate Loan expiries and Bankers Acceptance (Market Linked Facility) Facilitate in Drawdown, maintenance and payout of Floating rate Loans and working Capital Facilities Develop Training Manual and Checklist for effective knowledge management and transfer with in Pre and Post Approval process.
Exercise proper operational checks and balances / undertake self audit to ensure accuracy and quality of work output.
Handle escalations and resolve complex process related issues Maintain appropriate interaction with business users to ensure proper interpretation and adherence of policies & procedures Develop own knowledge and expertise, sharing with colleagues and internal customers Global Service Delivery (GSD) since March 2005 Company Profile: HSBC Technology and Services (HTS), a pivotal part of the HSBC Group which seamlessly integrates technology platforms and operations with an aim to re-define customer experience and drive down unit cost of production.
Global Service Delivery (GSD) is an integral part of HSBC Technology and Services and delivers world-class services for HSBC's customers across Retail Banking & Wealth Management; Commercial Banking; Global Banking and Markets; and Global Private Banking.
HSBC Global Service Delivery anticipates and understands the needs of its customers, and offers receptive, responsive and prompt services, which enable the HSBC Group to build profitable long-term partnerships with its customers.
Service Delivery Unit aims at providing best-in-class customer service and continued cost efficiency by the consolidation of work, optimally leveraging global scale, world-class practices in production management, process standardization and professional expertise.
MBA: Finance2004Vivekananda School of Post Graduate Studies-
MBA: 1 2004Vivekananda School of P G studies Osmania University-
Bachelors of Commerce (B COM): 1 2002St Joseph's Degree and PG College Osmania University-
Junior Associate of Indian Institute of Bankers (JAIIB)-
J0245299, valid until 27 July 2020
^: (A. Ravi Ganesh)