Ks. Ramanathan Email & Phone Number

United Arab Emirates

Dubai

Dubai, Uae

 Review of Weekly and Monthly MIS Pack and reporting to Senior Management – Credit Committee. Create and maintain reports that allow the company to get information on daily business activities. Deliver ad-hoc reporting and analysis. Analysis & assessment of various corporate loan requests and related business, financial & structural risks. Annual review of existing credit facilities. Continuous liaison with Legal, Credit, Admin & Operations personnel. Provide Decision Support Analysis to help managers to assess & design new products and services. Strong ability to recognize data problems/ issues while performing analysis that could have a detrimental effect on the business. Computation of Flow Rates, Cure Rates etc. and responsible for incentive calculation of Collectors as per benchmarks / policies. Management of day-to-day operations in the unit involving daily/weekly/monthly MIS and interpreting key business performance indicators and on delinquency portfolio dynamics. Allocation of delinquency portfolio to collectors/teams as per the allocation strategy. Played a major role in the migration to Core Banking. Ensuring procedural compliance, consistence and accuracy thereby confirming that the output quantity meets the desired standards as to TAT and quality. Develop, produce, analyze and consolidate business, credit and collection MIS for Asset products from systems like CAPS, Equation and reporting tools like Business Objects, Crystal Reports and MS Office. Allocation of accounts to In-House collectors and external agencies and follow-up on recoveries.

Dubai, Uae

 Analyzing and reviewing the data in existing database for effective Portfolio Management. Forwarding the list of data errors within the database to IT department as per guidance of Senior Officer for implementing changes. Compiling the Credit MIS Pack for the Senior Management with various lead and lag indicators. Carrying out Portfolio reviews of all Retail Asset products and Credit Cards to assess changes required from time to time from Policy as well as Strategic perspective. Compiling MIS for the various stakeholders within and outside the Bank

India

 Managed administrative functions of the firm including interactions with architects, government officials, bankers and clients.  Have handled financial assignment of a multinational client, Sun India Homes and Developers Pvt Limited (sister concern of Sun Group of Companies, Middle East)  Preparation of EMI statements for the loan repayments of clients and submission of the same to Bankers. Handling Petty cash, printing cheque and accounting thereof.

India

 Preparation of vouchers and receipts, passing financial entries and to draft financial statements. Preparation of Cash Flow Statements and scrutiny of various financial ratios.  Finalization of financial statements with Auditor and Income Tax Authorities.

India

 Posting Ledgers, Invoicing, Preparing Accounts, Trial Balance, Balance Sheet etc. for various Sole Proprietorships, Firms & Companies in a computerized environment. Bank Audits: - * Information System (IS) Audit of 8 branches of Corporation Bank of India, Kerala.* Concurrent Audit of Union Bank of India, Kerala in 2004.* Concurrent Audit of South Indian Bank, Trichur District, Kerala in 2004.* Revenue Audit of 2 Branches of Dhanalaxmi Bank, Kerala in 2005.* Revenue Audit of a UCO Bank, Trichur District, Kerala in 2004.* Statutory Audit of 6 Banks in April 2005.

Master Degree In Business Administration, Finance, General, A

Bachelors Degree Of Commerce (B.Com), Finance

+2, Commerce