Adarsh Rameshan is seeking a senior managerial role in operations or business development with an organization of high repute. He has over 7 years of experience in business operations and development for money transfer and foreign exchange in Zambia. Currently he is the Head of Operations and Business Development at UAE Exchange Zambia, where he is responsible for business strategy, marketing, treasury operations, risk management, and human resources. Previously he held roles as a branch manager and assistant branch manager with increasing responsibilities.

1. ADARSH RAMESAN
Contact: +260-978718620
E-Mail: adarshdubai@hotmail.com
P O Box: 36774
Makeni Mall, Lusaka
Zambia
Objective
Seeking Challenging and Senior Managerial Assignments in Operations/ Business Development and
Customer Service Management with the opportunity to expand existing skills & responsibilities with an
organization of high repute.
PROFILE SUMMARY
• A dynamic professional with 7 years of experience in Business Operations and Business Development
in the International Money Transfer & Foreign Exchange, Mobile Wallet products
• Presently associated with UAE Exchange Zambia, Lusaka as Head-Operations & Business
Development
• Proficient in handling Revenue Flow, Cost Mitigation, P&L Management, Global Best Practices and Risk
Management
• Demonstrated abilities in handling remittance and foreign exchange management i.e. various
Foreign Exchanges, Translation & Economic Exposures, Techniques for Mitigating & Currency Risk
Sharing Agreement
• Adept in monitoring various operations and maintaining long-term customer relationships through
the provision of high quality service
• Possess excellent communication & organizational skills with abilities in customer relationship
management, Team Management, Marketing & Business Development.
TECHNICAL PURVIEW
• Xpress Money, Transfer & Cheque ,SWIFT Transfer, RTGS & NEFT,
• Money Gram, Instant Money & Western Union Financial Accounting
• FOREX, Travel & Pay Roll
ORGANISATIONAL EXPERIENCE
Jun’2012 – Present UAE Exchange Zambia, Lusaka as Head-Operations & B D
Growth Path
Apr’08 – Jun’09 Branch Compliance Officer
June’09-May’10 Branch Supervisor
Jun’10 – Jun’11 Assistant Branch Manager
Jun’11 – May’12 Branch Manager (Madina Mall, Dubai)
Jun’12 – Present Head-Operation & Business Development (Zambia, Lusaka)

2. Professional Experience in Details
Head-Operations & Business Development (Zambia) June 2012 till Date
This is a leadership role and the Head of Operations & BD shall be responsible for strategic as well as
day-to-day management of the financial business of the company. The duties are
Business Strategy and Plan:
 Recommend appropriate Business and expansion strategy to the Management and Board;
 Prepare the Business plan, projections and periodical budgets for the Money Exchange as a whole
and its individual branches, including the proposed branches;
 Oversee the overall functioning and implementation of the approved Business Strategy and Plan;
 Laying down appropriate Business policies and Procedures, including but not limited to the
Operating policies, Standard Operating Procedures;
 Compliance and risk containment, KYC, Anti-Money Laundering; Treasury operations; Staff and
Disciplinary policies and procedures etc.
 Ensuring compliance of the business policies and procedures with the requirements laid down by
the Central Bank of Oman, other competent authorities, Correspondent Banks and other business
associates;
 Reflecting the generally accepted and prudent best industry practices in the Company’s policies
and procedures.
 Framing result-oriented business generation plans & policies for attainment of pre-designated
profitability / revenue estimates
 Identifying new viable avenues to augment business generation and optimizing customer service
levels through delivery of outstanding services

Marketing and Brand Building :
 Draw and implement competitive marketing and branding strategy and plan to gain maximum
market share;
 Monitoring the competitive business environment and implementing suitable business moves to
gain budgeted market share.
Relations with Regulators and Business associates :
 Establish and maintain relationship with Regulators and other competent authorities.
 Establish and maintain relationship with the Correspondent Banks, Payment Networks,
technology vendors and other business associates;
 Ensure periodical reporting and reconciliations with the correspondent banks and payment
networks;
 Monitor and implement compliance requirements of the correspondent banks, payment
networks and their respective regulators in respect of the accounts and transactions of the
Company and its customers.
Day to day operations:
Ensuring that the Branches and other departments and sections of the Company operate as per the
Company policies and procedure and render:
 Regular and disciplined operations;
 Efficient cashiering operations and customer service;
 Prompt resolving customer grievances;
 Comprehensive data and record keeping as per the company policies
 Regular submission of MIS and other reports;

3.  Timely back-office procedures and reconciliation/reporting of transactions with the
Correspondent Bank and other business associates;
 Manage proper upkeep and safe custody of company assets.
Treasury Operations:
 Lay down and implement appropriate treasury policies;
 Monitor and ensure efficient and competitive treasury operations;
 Ensure that all open treasury positions are within the pre-approved limits and do not pose any
undue risk to the Company
KYC, AML and Risk Containment :
 Decide, implement and monitor policies for KYC, AML and other business risks;
 Negotiate and finalize appropriate insurance policies to guide against insurable risks;
 Set up appropriate internal controls to ensure compliance with the laid-down policies;
Human Resources, Performance Evaluation , Administration and incentive Plans:
 Identify and recruit suitable human resources;
 Evaluating the performance of subordinate staff and identifying areas for improvement;
 Identifying training needs of subordinates, laying down a training plan in consultation with the
Management;
 Facilitate and assist subordinate staff in deciding key result areas (KRAs)
 Reviewing plans to achieve the targets KRAs
 Co-ordinate with Group HR. & Admin Department for all issues related to human resources and
administration.
 Lay down Human resources budget in consultation with the Management;
 Set targets and KPIs for all business units, business teams and important managerial positions;
and monitoring progress thereof;
 Periodical Performance Evaluation of various business units, teams and important managerial
positions;
 Recommend appropriate compensation and incentive plans to the Management and
implementation thereof;
Financial;
 Lead the Finance team to :
a) Prepare and finalize financial budget in consultation with the Management;
b) Carry out an efficient estimation of resources to achieve the Corporate objectives;
 Ensure cost effective operations of the Company and effective management of available
resources;
 Regular monitoring of costs and variances from budgets and maintaining them within the
budgeted levels.
Branch Manager (Madina Mall, Dubaï)
• Controlled operations like Branch Administration, AML Compliance & Auditing, Business
Development and Service Quality
• Assume overall responsibility and manage day-to-day operations of the branch and ensure that all
operations are carried out effectively and efficiently in the branch.
• Ensure that timely and quality service is rendered to all the customers of the branch.
• Strictly adhere to the operational guidelines as issued by the HO.
• Safeguarded business goals attained via operational efficiencies
• Handled performance management as well as training and development programs for the staff
• Conducted AML / Surprise Audits and boosted Due Diligence
• Responsible for revenue and business growth.
• Drafted proposal responses and targeted messages with a tailored approach to all business pursuits
• Delivered training, direction and supervision for building team capability
• Proactively involved in new system setup / other quality and business planning process
• Bestowed with Service Excellence Award for the best performance; was selected as highest revenue
achieved staff and best cross seller

4. • Handled a group of 6 people for opening new branches as Branch manager
May’06 – Jun’07 Soft E Web, Thrissur as Team Leader
Responsibilities
• Helping with training and development
• Handling complaints from both staff and customers
• Supervising, guiding and motivating team leaders to help colleagues work together and ensuring that
they are delivering good customer services
EDUCATION
• MBA in Marketing & HRM from Anna University, Tamil Nadu in 2006
• Graduation from SN College, Kollam, Kerala in 2004
• 12th
from ASHSS, Parippally, Higher Secondary Board in 2000
• 10th
from NSS School, Kollam, Kerala State Education Board in 1998
SEMINARS
• Attended seminars on Customer Service and Customer Care Excellence
• Bank of Zambia ,RTGS training
• Cashier Training.
• Seminars organized by Western Union and Money Gram.
IT SKILLS
• Well versed with Windows (2007,2010) & MS Office
PERSONAL DETAILS
Date of Birth: 30th
March, 1983
Permanent Address: Unit No.45, Makeni Mall, Kafue Road, Lusaka - 10101, Zambia
Languages Known: English, Hindi, and Tamil & Malayalam
Nationality: Indian
Marital Status: Married
Number of Dependents: Two
Passport Details: G1187933
Visa Details: Employment
Driving License: Zambia Driving License valid till 2017 & Indian Driving License valid till
2023