1. Curriculum Vitae
Varghese Abraham
Chartered Accountant
Address in USA
4710, Applewood Crest Ln
Rosharon, Tx 77583, USA
Current Address for communication
PO Box 3818
Doha, Qatar
Mobile +974 66455727
Email: abrahamsibmds@yahoo.co.in

2. PROFESSIONAL PROFILE
A Chartered Accountant cum Banker having 22 years of diverse experience in
Banking and Finance in India, Bahrain and Qatar.
Have wide range of experience in Banking from day to day branch operation to
heading the Finance Dept., consolidation, finalization and publication of Balance
Sheet of Bank, Resource mobilisation at the corporate level through Public/rights
issue, Bond issue etc., Regulatory Compliance, Forex and multi-currency
accounting, Management of back office of Treasury and Investment function of the
bank, extending and managing credit to large corporate to SMEs with niche
developed in automating entire environment. Sound knowledge in IFRS and Indian
GAAP. Pursuing CMA (USA).
Fully conversant with computerized systems of Accounting, Reporting and Business
analytics. Successfully implemented core banking softwares (Finacle of Infosys) in
two banks, implemented centralized consolidation, finalization and MIS software,
Asset Liability Management systems, Fund Transfer pricing system, Regulatory
reporting systems including Basel III reporting systems, core team member for
implementation of Treasury and Investment system. Besides significant exposure
to computer applications such as Business Intelligence (SAP), Microsoft Office;
Open Office etc.
Summary of capabilities & competencies
• Control and manage all Financial, Budget, Strategic plan, Business Analytics
• Develop, implement and management of financial practices, policies and
procedures
• Design & ensure adequate internal control system and procedures
• Design and implement the IT systems.
• Manage & motivate staff, work well & effectively with peers and supervisor
• Develop ongoing long term relationships, built on mutual trust & confidence
• Demonstrate initiative & self drive
• Demonstrate teamwork and get effective results
• Provide & encourage, motivate training & development of subordinate staff
• Communicate effectively both orally & in writing.

3. Professional Record:
Doha Bank, Qatar
Joined in October 2008 as Manager, Strategic Planning and promoted as
Senior Manager Projects in April 2012.
Responsibilities as Manager, Strategic Planning:
 As a core member of the Strategic Planning & Monitoring team, responsible for
assisting the CEO in developing the strategic plans for various departments.
 Monitoring the functioning of various committees.
 Performance monitoring of various departments
 Monitoring of transformation plans of various departments and advising CEO
for proper implementation of Transformation Plans of the Bank.
 Implementation and Monitoring of Banks overall Balanced Scorecard Process
 Providing necessary research/technical support to Senior Management.
 Performance monitoring of Associates and subsidiary companies.
Responsibilities as Head of Payables Team:
 Lead the accounts Payable Team of the Bank which handles the centralized
vendor payments of the Bank
 Liaise with all concerned HO departments, Foreign Branches and subsidiaries
on various payment related requirements.
 Verification and approval of all vendor payments in consistency with the
Corporate Policy and guidelines.
 Ensure proper use and maintenance of the Accounts Payable and Fixed Assets
Register in Oracle Payable System and introduce changes necessary.
 Verify all the relevant reports printed from Oracle Payables and FA systems,
and request any modifications, if required.
 Supervise/Review the preparation of all reports required by the Board, and
senior management.
 Ensure the proper reconciliation of suspense and sundry accounts, relating to
Accounts Payables.
 Ensure processing of monthly accruals/provision on various expenses and its
reconciliation.
 Ensure proper application of Local Tax Law.
 Contract retention.
 Contract detail reporting on monthly basis.
 Develops, implements and maintains procedures and policies, for accounts
payable functions to ensure adherence to Corporate guidelines.
 Plan and implement Accounts Payable process improvements to strengthen
controls, maximize system resources and improve efficiency and productivity

4. Responsibilities as Head of Treasury and Investment Back office:
 Lead the Treasury and Investment Back office of the Bank which handles 25%
of the assets and liabilities of the Bank.
 Ensure efficient settlement process and accounting of Money Market, Forex
and Equities, Fixed income securities, Funds and Derivatives.
 Liaise with Front Office, Mid Office, Risk Dept, Finance, Foreign Branches for
smooth functioning of Dept.
 Set up the Derivative Desk in Back office
 Monitor compliance of all Back Office activities incompliance with the policies
and market best practices.
 Ensure the proper accounting policies in accordance with IFRS and Central
Bank Guidelines.
 Ensure design, implement and preparation of periodic reports sent to top
management and regulatory bodies. Ensure proper measurement of portfolios
and advice the management of performance.
 Ensure proper set up of Back Office settlement and Accounting process for all
new products offered by Front Office.
 Guide the team to apply adequate operational risk policies and monitor KPIs
closely.
 Liaison with Auditors and regulators.
 Support the implementation of system changes and upgrades.
 Develops, implements and maintains procedures and policies, for Back Office
functions to ensure adherence to Corporate guidelines.
 Plan and implement Treasury and Investment Back office process
improvements to strengthen controls, maximize system resources and improve
efficiency and productivity
Responsibilities as Sr Manager, Finance Projects:
 Implementation of Core banking solution for India Operation of the Bank (for
setting up of a new banking operation in India).
 Implementation of various modules of Core Banking System of Head office
including the improvements and upgrades of existing Core Banking system
 Implementation of Treasury and Investments system.
 Implementation of Asset Liability Management system and Fund Transfer Pricing
system.
 Managing the centralized Chart of Accounts functions of the bank.
 Managing Finance Projects in Group Finance department at Head Office.
 Responsible for identifying and automating the manual processes in Finance
department.
 Managing the development of system generated reports in Finance department.
 Managing the Finance functions for launch of new financial products by the
bank.
 Analyze, Interpret, Design and Implementation of all regulatory report for Central
Bank Reports.
 Managing the implementation of Basel III, CAR, LCR, NSFR and LR ratios in the
bank.
 Design and implement centralized repository for Reporting.

5.  Implementation of Customer Profitability, Department Performance and cost
allocation organization wide.
Bahraini Saudi Bank BSC., Bahrain
Manager, and Head of Financial Planning & Control; Joined in December 2006
as Dy Head of Finance.
 Heading the Financial Planning and Control Dept.
 Ensure professional and timely delivery for Management, Financial and
Regulatory reporting.
 Presentation of interim financial statements; review and presentation of annual
financial statements.
 Analysis of Income, Cost, and Yields and advising the management of corrective
steps.
 Ensure generation and analysis of MIS.
 Member of ALCO, Management Committee, Systems Implementation Committee
etc.
 Preparation of Business plan and Budget and monitoring of variances.
 Ensure preparation and submission of ALCO pack. Provide financial support on
ALCO issues impacting liquidity, balance-sheet management, capital
management, etc.
 Establishing and maintaining all accounting policies & procedures in accordance
with IFRS.
 Managing and control the General Ledgers.
 Supervision of GL Transactions, Payment processing, fixed assets Accounting
etc.
 Submission of Central Bank returns, meetings with Central Bank officials,
maintenance of reserve requirements, Central Bank audit etc.
 Liaison with Statutory Auditors for timely completion of audit of accounts.
 Participate in implementation of Core banking package.
 Lead and manage the HR related issues of the Finance Operations team –
Organization Chart, Recruitment, Job Descriptions, Job Rotation, Appraisals,
Leave Planning, Career Planning, etc.
 Ensure adherence to the risk management framework and policy in identifying,
controlling, monitoring and reporting of various risk.
ING Vysya Bank Ltd., Bangalore, India
As Associate Vice President From June 2006 to December 2006.
 Responsible for regulatory reporting to central Bank (Reserve Bank of India).
Design and Implementation of automated MIS for the regulatory reporting.

6.  Supervision of MIS report to Parent group including IFRS reporting,
reconciliation of assets and liabilities with local reporting and IFRS reporting.
Design and implementation of automated system for collection of various MIS
report from various departments.
 Monitoring of Parallel run on the implementation of the Basel II norms in the
bank by coordinating with the various risk management departments and
reporting to RBI.
The South Indian Bank Ltd., Kerala, India
Joined in October 1995 as Manager (grade II) and promoted to Chief Manager
(grade IV)
As Sr. Manager/Chief Manager at Corporate Financial Management Dept.,
Head Office, Thrissur (May 2003 – June 2006)
 Overall responsibility of finalization of accounts of the bank covering 440
branches, preparation and publication of financials. Also have the responsibility
of overall supervision of accounting function of the Bank.
 Supervision of back office function including accounting and valuation of
investment portfolio of the Bank with an average size of INR 24500 Million
including supervision of back office work, periodical valuation etc.
 Responsibilities of preparation of Business plans, Budgeting and Implementation
of MIS.
 Responsibilities of domain consultant for implementation of centralized
accounting, finalization and MIS software for Head office.
 Compliance of listing agreement as per Securities Board of India Regulations for
publication of financial results.
 Provide inputs to the top management for taking strategic decisions such as
setting business goals, evaluating performance and recommending corrective
measures wherever necessary etc.
 Capital Planning and issue of Equity, Bonds. Member of the team, which
successfully handled the Rights issue, Public Issue and Tier II Bond issue.
 Planning, implementation and overall control of Transfer Pricing mechanism of
the bank for the determination of real profit of the branches.
 Matters relating to appointment of central and branch auditors.
 Liaison with statutory auditors, Reserve Bank of India (Central Bank), other
external agencies, etc.
As Senior Manager at Credit Control Dept., Head Office, Thrissur (May 2002-
May 2003):

7.  Overall responsibility of credit portfolio of Coimbatore Region, a key region of the
bank with a size of over Rs. 4500 Million.
 Appraisal, Risk assessment and rating, preparation of sanction notes and
submission of the same to Senior management, monitoring and post sanction
follow up, scrutiny of MIS etc., of large value credit proposals.
 Maintaining of database of credit risk rating history and rating migration.
As Manager /Sr. Manager at Industrial Finance Branch, Chennai (October 1995
- May 2002) :
 Worked as a Relationship Manager for 6.5 years.
 Handled the Corporate Credit portfolio, both funded, non-funded as well as
project finance and working capital.
 Identifying, marketing, appraisal, risk assessment, assistance to sanction,
documentation, disbursement, etc.
 Post Sanction formalities like documentation, inspection, collection and scrutiny
of MIS, monitoring of operations and end use of funds etc.
 Submission of control returns, finalization of accounts, supporting statutory
auditors and outside agencies, regulatory compliance etc.
 Responsibilities of day-to-day operations and administration of subordinates with
reference to the works allocated.
The Federal Bank Ltd., Kochi, India
Joined in May 1994 as Credit Officer :
 Overall responsibility of credit portfolio of Mumbai region with a portfolio of Rs.
2500 Million.
 Pre sanction formalities like scrutiny, review and preparation of sanction notes
and submission of the same to senior management.
 Post sanction formalities like ensuring compliance of terms of sanction, ensuring
MIS, collection/ scrutiny/ review/ monitoring etc.
Manimohan & Co., Chartered Accountants, Palghat, India.
Qualified Assistant from October '1993 to January 1994
 Responsibilities of Supervision of auditing of corporate and other business
entities.
 Project reports for financial analysis and loan availing.
 Consultancy works in Accounting and taxation
 Administration of the office staff.
Scholastic Record

8.  Professional - Associate member of the Institute of Chartered Accountants of
India from 1993. Pursuing for CMA(USA)
 Academic - First Class Graduate in Mathematics from University of Calicut in
1987.
Personal Record
(1) Age and Date of Birth : 42, April 24, 1967
(2) Family Status : Married, having 2 Kids
Training Record
 Various Seminars on IFRS.
 Seminar on AML by Bahrain Institute of Banking & Finance.
 Training on Project Finance by the Reserve Bank of India, STC, Mumbai, India.
 Management of Balance Sheet by the Reserve Bank of India, STC, Mumbai, India.
 Management of Risk in Credit Portfolio by NIBM, Pune, India.
 Integrated Risk Management by Southern India Banks' STC, Bangalore, India.
 Workshop on Foreign Exchange by IOB, Staff Training Collage, Chennai, India.
 Credit Appraisal by South Indian Bank Ltd., STC, Trichur, India.
Contact Details
Office : Senior Manager (Projects), Group Finance, Doha Bank,
PO Box 3818, Doha, Qatar. +974-40155709(O);
+974-66655727(M). Email: abrahamsibmds@yahoo.co.in
Reference: Provided on request