Head of Treasury is responsible for managing liquidity for the bank while ensuring maintenance of statutory reserves namely CRR & SLR, adherence to regulatory norms on investment. Treasury being considered as a profit centre HOT ensures generating optimum net treasury income including trading profit etc to aid to the NIM of the bank. While risk and rewards go hand in hand we should manage risk optimally while making efforts to maximise profit.

Handled overall supervision and control over operations of the Global Markets at State Bank of India, Corporate Centre, The job profile includes man power planning, financial planning, deal conformation and settlement, liquidity management and funding, preparation of balance sheet and P&L, maintenance of accounts, reconciliation, performance review, ensuring regulatory compliance etc. Superannuated at the age of 60 years retired on 31/10/2019 and looking for suitable opportunities preferably in the area of treasury management.

Managing the capital & liquidity position, making strategic investment decisions for the bank, Supervising balance sheet preparation, facilitating statutory quarterly limited review / annual audit of accounts, IFRS, Taxation, reconciliation of accounts, monitoring management of PPG funds, Currency management, Government business including public pension payments and management of integrated Treasury operations of the bank, ensuring compliance of regulatory and internal policy prescriptions, periodical review etc.

Facilitating and monitoring of Statutory Quarterly limited review / annual audit of accounts, finalisation and preparation of Balance Sheet, IFRS, Taxation, Shares and Bonds, Currency Management, reconciliation of non channel accounts, administration and management of PPG (Provident Fund, Pension, Gratuity) funds, Government business, Maintaining liaison and rapports with RBI, Government Treasuries and other Government bodies to generate new business, ensuring compliance of regulatory and internal policy prescriptions etc.

As head of Integrated Treasury; Directing Treasury Functions, Liquidity management, Funds transfer, monitoring and management of both domestic and foreign investment, funding and trading functions, control over payment and settlement group, maintenance of NOSTRO accounts, controlled management of funds and securities ensuring pay-in / pay-out of funds and securities in time without fail, reconciliation treasury books, marketing of treasury assets and liabilities, maintaining liaison with Govt authorities, Corporate houses, Regulatory authorities, foreign correspondents & channel partners to generate new business, ensuring reporting and compliance of regulatory and internal policy prescriptions etc.

AGM (Integrated Treasury) from April 2011 to July 2012 and DGM (Integrated Treasury) from 1st Aug 2012 to 26th Aug 2012:Monitoring and management of Integrated Treasury operations, Liquidity management, Funds transfer, monitoring and management of both domestic and foreign investment, funding and trading functions, control over payment and settlement group, maintenance of NOSTRO accounts, controlled management of funds and securities ensuring pay-in / pay-out of funds and securities in time without fail, reconciliation treasury books, marketing of treasury assets and liabilities, maintaining liaison with Govt authorities, Corporate houses, Regulatory authorities, foreign correspondents & channel partners to generate new business, ensuring reporting and compliance of regulatory and internal policy prescriptions etc.

Processing, sanction and maintenance of loan accounts and recovery management (Stressed Asset Management) in retail and MSME category of advances of 27 branches of the bank tagged to the RASMECCC, Delhi.

Chief Manager from May'06 to Nov'07 and Assistant General Manager from Dec'07 to Apr'08:As branch head was responsible for business development of the branch, marketing of deposit and loan products, follow up and recovery of advances, monitoring and up to date maintenance of house keeping, cross selling, ensuring compilation and reporting of periodical returns adhering to laid down regulatory and internal guidelines and time schedule etc.

Directing Treasury functions as head of front office, smooth and orderly functioning of dealing room, funds management, money market investments, investment and trading in securities, maximization of profit through active and judicious churning of investment portfolio, adherence to RBI, other regulatory, and internal guidelines, rapports with forex dealing desks, back office mid office, IRMD etc for smooth and effective function of the integrated treasury.

Manager (Domestic dealer) from Jun'02 to Nov'02 & Chief Manager (Chief Domestic Dealer) from Dec'02 to Feb'03:.Investment and trading in securities, smooth and orderly functioning of dealing room, funds management, money market investments, maximization of profit through active and judicious churning of investment portfolio, adherence to RBI, other regulatory, and internal guidelines, rapports with forex dealing desks, back office mid office, IRMD etc for smooth and effective function of the integrated treasury.

Funds Management, monitoring inflows and outflows of funds to ensure effective utilization of funds, Money market investments and borrowing depending upon funds position, Deal confirmations and settlements ensuring pay-in and pay-out of funds and securities in time without fail, liaison with RBI, other regulators, counter parties and other market market participants for effective functioning of the back office.

As branch head was responsible for business development of the branch, marketing of deposit and loan products, follow up and recovery of advances, monitoring and up to date maintenance of house keeping, cross selling, ensuring compilation and reporting of periodical returns adhering to laid down regulatory and internal guidelines and time schedule etc.

Deputy Manager from Jul'95 to Nov'96 and Manager from Dec'96 to Aug'97:Undertaking pre-sanction formalities, assessing credit needs of borrowers, Processing of loan proposals, obtaining sanctions from competent authorities , completing post sanction formalities and disbursement of loans and advances as per terms of sanction and undertaking post disbursal formalities like ensuring end use of funds, maintenance of loan accounts, application of interest and other charges due in the loan accounts, follow up for recovery of dues from borrowers, facilitating periodical branch inspection and audit of loan accounts, periodical reporting and adherence to laid down regulatory and other guidelines.

As 1st incumbent of the branch was responsible for complete branch opening formalities, business development, marketing of deposit and loan products by maintaining liaison and rapport with high net worth individuals, Government authorities, courts, and other corporate houses, follow up and recovery of advances, Checking of daily transaction, periodical interest application, monitoring and up to date maintenance of house keeping, ensuring compilation and reporting of periodical returns adhering to laid down regulatory and internal guidelines and time schedule, facilitating periodical audit and inspection of the branch etc.

The post of Deposit mobilization Officer at Kothagudem was created to supplement deposit mobilisation efforts of six branches located in the Singareni collieries belt within a radius of 60 Kms from Kothagudem. As Deposit Mobilisation Officer was responsible to maintain close rapport with employees and authorities of coal mines, Schools, Colleges and other Govt and private organisations and devising marketing strategy for mobilisation of deposit and marketing of other banking products.

All responsibilities of branch accountants namely passing of vouches for payments, maintenance of cash and transfer scrolls, daily checking of transactions through day books and ledgers,daily tallying of clean cash, General ledger and abstract, joint custody of branch cash balance and related cash management works like sending and receiving cash from nearest chest branch (Khamam) depending upon requirement, payment of public pension, periodical balancing of books and updating internal house keeping, adherence to laid down guidelines, maintaining excellent customer relationship and rapport for business etc.

Undertaking pre-sanction formalities, assessing credit needs of farmers, traders and other borrowers in the tagged villages, Processing of loan proposals, obtaining sanctions from competent authorities , completing post sanction formalities and disbursement of loans and advances as per terms of sanction and undertaking post disbursal formalities like ensuring end use of funds, maintenance of loan accounts, application of interest and other charges due in the loan accounts, follow up for recovery of dues from borrowers, facilitating periodical branch inspection and audit of loan accounts, periodical reporting and adherence to laid down regulatory and other guidelines.

Undertaking pre-sanction formalities, assessing credit needs of farmers, traders and other borrowers in the tagged villages, Processing of loan proposals, obtaining sanctions from competent authorities , completing post sanction formalities and disbursement of loans and advances as per terms of sanction and undertaking post disbursal formalities like ensuring end use of funds, maintenance of loan accounts, application of interest and other charges due in the loan accounts, follow up for recovery of dues from borrowers, facilitating periodical branch inspection and audit of loan accounts, periodical reporting and adherence to laid down regulatory and other guidelines.

Training on agricultural advances, inspection of assets financed by the bank, processing of loan proposals, follow up for recovery aspect etc.