1. Dinakar Kalahasthi
Flat No.204,
Creator’s Edifice Apartments,
Puttappa Main
Puttappa Layout
HAL 3rd Stage
New Thippasandra
Bangalore – 560 075
Mobile: +91 9449053252
Primary E-mail : dinakarcareers@gmail.com
Secondary E-mail : dinakargugul@gmail.com
Skype ID : dinakar.kalahasthi
Job Role : Subject Matter Expert (SME) Core Banking, Product Manager Core Banking, Functional
Consultant, Core Banking, Business Analyst Manger functional Core Banking, Business Analyst
Functional core Banking, SME Core Banking, Requirement Analysis, Requirements Gathering,
Business Intelligence, Retail Banking, Manager
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Career Objective:
Presently working as Dy. Manager Credit Department, in State Bank Of India a premier public
sector bank in india,. My present role is sanctioning of Housing Loan, Vehicle Loan, Education
Loan, Mortgage Loan, Pension Loan,Working Capital Limits and Term Loan.
I am a graduate in Commerce with 21 years of experience in banking in witch 8 years in
supervising / managerial cadre in Business Analyst Role and 13 years in associate cadre in
various fields.
A thorough banking professional with extensive knowledge in banking and people management
skills. Looking for a different and challenging role in IT Industry that utilizes my skills and
expertise.
Professional Expertise
 Subject Matter Expertise in Core Banking, Retail Banking, corporate Banking etc.
 Presently working as Dy.Manager, Credit Department, State Bank Of India, Regional
Busines Office, Hospet, Karnataka, India.
 Worked previously as a Branch Manager for Two Branches from 2013 to 2015.
My Primary Skills
 Experience in CASA, Deposits, GL'S Accounting, Fatca, core setup, CASA,
 deposits retail lending, delinquency management, front office operations for remittances,
clearing &
 settlements and cash pooling and GL reconciliation Implementation Experience
 Having Knowledge about Agile, RUP and Waterfall methodologies

2.  Expert in Retail & Corporate Banking, Banking transformation, Mainframe based TCS
Bancs Core banking
 experience
 Manage and contribute in Retail Banking solutions design, practice development,
transformation
 programs thought leadership
 Having knowledge of Gap Analysis and Functional Specifications Documentation
 Strong SME with background in different Core banking solution.
 I can work closely with technical teams for arriving at solutions
 I am conversant with the recent trends in retail banking.
 I can lead and participate in preparing Proof of Concepts for clients.
 Strong Retail Banking Domain knowledge with proven Consulting Skills primarily in
Mainframe based TCS Bancs Core banking.
Domain Knowledge
General Banking / Retail Banking :
 Worked as Credit Manager/Consultant in Banking domain.
 Develop and maintain the marketing strategy for the branch.
 Attending Statutory Audits, Central Office Inspections and Reserve Bank of India
Inspections.
 Assist business with workforce development initiatives.
 Compiling various reports as required by management.
 Communicate with managers, supervisors, co-workers, customers.
 Make persuasive presentations on complex topics to top management.
 Extensive usage of MS - Office tools such as Word, Excel, Power point.
 The projects handled by me under my team are all approved and sanctioned.
 Converted the branch from Total Branch Automation (TBA) to Core Banking
 Interfacing with Corporate clients, understanding their requirements through meetings
and discussions.
 Analyzing, Inspecting, appraising / processing of customers requirements,
Documentation and follow-up.
 Handling cheque clearing system, clearing reconciliation.
 Handling all the Large Retail Credits, interviewing the Corporate Customers, analyzing
their Balance Sheets.
 Handling Internet Banking Accounts, providing testing feedback to technology.
 Ensuring the total process is completed within time frame as per the requirements of the
clients.
 Expertise in Commercial real estate advances.
 Expertise in Mortgage financing, Housing Loans, Vehicle loans, Clean loans, education
loans, loans against rent receivables, Working Capital, Term Loans
 Takeover of accounts from other banks, analyzing their feasibility and viability, appraisals,
documentation and follow-up.
 Analyzing CIBIL reports of the clients.
 Risk management - Implementation of BASEL II guidelines, Identifying various risks, Risk
monitoring and control and Risk reporting.

3.  NPA management, guided by Prudential Exposure Norms, action under SARFAESI Act
2002, Lok Adalats, Suit-Filing.
 Assisting and advising superiors in acquiring corporate business.
 Supervising staff performance.
Exposure to
• Requirement Elicitation and Analysis
• Requirement Documentation
• Having Knowledge about Agile, RUP and Waterfall methodologies
• Having knowledge of Gap Analysis and Functional Specifications Documentation
IT Skills:
 OS : Windows
 Applications : Microsoft Word, Excel, Power Point
 CRM : BANCS
Organizational Skills -
 Quick learner and excellent team player having ability to meet tight deadlines and work
under pressure.
 Flexible and versatile to adapt to any new environment.
 Strong in Communication and have good Interpersonal skills.
 Highly motivated and committed to the work assigned.
Employment History:
Employer: State bank Of India, Bangalore
Designation Tenure Project/Department
Dy. Manager Feb 2015 – Till date Dy.Manager Credit Department
Branch Manager June 2014-Jan 2015 Branch Manager Mudugal Branch-
Raichur Dist
Branch Manager December 2013 –
May 2014
Attur Layout Branch, Bangalore
Deputy Manager with
Business Analyst Roles
August 2013 –
November 2013
Cheque Truncation System (CTS)
Assistant Manager with
Business Analyst Roles
Feb 2012 – July
2013
Cheque Truncation System (CTS)
Assistant Manager Nov 2008 to Jan
2012
Strategy & Risk Management
Senior Assistant Jan 1999 to Nov
2008
Branch Retail Operations
Assistant Jan 1995 to Dec
1998
Branch Retail Operations
Key projects Executed with roles of a Business Analyst:
Project Title: Cheque Truncation System (CTS)
Primary role: Business Analyst, Functional Consulting
Duration: 18 months

4. Project Synopsis:
Cheque Truncation System (CTS), is a project undertaken by the Reserve Bank of India – RBI, for
faster clearing of cheques.CTS is basically an online image-based cheque clearing system where
cheque images and Magnetic Ink Character Recognition (MICR) data are captured at the collecting
bank branch and transmitted electronically. Truncation means, stopping the flow of the physical
cheques issued by a drawer to the drawee branch. The physical instrument is truncated at some
point en route to the drawee branch and an electronic image of the cheque is sent to the drawee
branch along with the relevant information like the MICR fields, date of presentation, presenting
banks etc.
Cheque truncation, would eliminate the need to move the physical instruments across branches,
except in exceptional circumstances. This would result in effective reduction in the time required
for payment of cheques, the associated cost of transit and delays in processing, etc., thus
speeding up the process of collection or realization of cheques.
Responsibilities:
 Managed the requirements discovery initiative and guided requirements throughout the
entire project lifecycle.
 Identifying and analyzing the gaps between the CTS and the legacy system.
 Developing requirements documentation (SRS).
 Providing Clearing life cycle to the developers through SBI head office.
 Coordinating with the developers through SBI head office.
 Coordinating with NCR engineers for developing various reports in present CTS.
Other Roles and Responsibilities
As Branch Manager and Dy. Manager Credit Operations
Duration:25 Months -
Responsibilities
Sanctioning of Housing Loan, Vehicle Loan, Education Loan, Mortgage Loan, Pension Loan,Working
Capital Limits and Term Loan.
 Interviewing the corporate clients and studying their project report
 Pre-sanction inspection of the project site
 Assessing the requirement of the finance
 Analyzing their balance sheets Examining Technical feasibility, Economic Feasibility,
Financial Feasibility, Commercial Viability and Managerial Competence
 Sanctioning the loans
 Advising sanction to the customers
 Complying all the sanction terms and conditions
 Documentation
 Releasing of the loan in stages
 Post-sanction inspection at every stage
 Follow-up
As an Assistant Manager
Duration: 38 months

5. Responsibilities:
 Develop and maintain the marketing strategy for the branch.
 Attending Statutory Audits, Central Office Inspections and Reserve Bank of India
Inspections.
 Ensuring the processes like clearing is completed within time frame as per the
requirements of the clients.
 Risk management - Implementation of BASEL II guidelines, Identifying various risks, Risk
measurement, Risk monitoring and control and Risk reporting.
 Assisting and advising superiors in acquiring corporate business and Supervising staff
performance.
 Interfacing with the clients, understanding their requirements through meetings and
discussions, advising them of various facilities available for their needs.
 Handling NRI Accounts.
 Supervising House Keeping.
Education:
 Bachelor of Commerce, 1990 from Osmania University, Hyderabad, Andhra Pradesh, India
 Intermediate, 1986 from Board of Intermediate Education, Andhra Pradesh, India
 Tenth, 1984 from Board of Secondary Education, Andhra Pradesh, India
Trainings & Certifications:
 Business Analysis Certification from Winprotech IT Solutions India Pvt Ltd, EEP for IIBA,
Canada
 Junior Associate of Indian Institute of Banking.
Awards & Rewards
 Best employee for driving branch business from the present Chairman, SBI (then Cheif
General Manager), Smt. Arundhati Bhattacharya for the period, April 2010 to June 2010.
 Exemplary performance for driving SBI Life Business and being best Certified Insurance
Fecilitator and MDRT from the present Chairman, SBI (then Cheif General Manager), Smt.
Arundhati Bhattacharya for the period January 2010 to June 2010.
 Cerificate of Appreciation for outstanding performance in SBI life business during 2010.
 Certificate of Appreciation for achieving the coveted distinnction of MDRF for 2011 from
Chief General Manager, Mr. Ashwini Mehra and Managing Director & CEO, SBI Life
Insurance Company Ltd., Mr. Atanu Sen.S
Personal Details:
Date of Birth: 23rd March, 1969
Gender : Male
Marital Status : Married
Location : Bangalore
Hobbies: Gardening

6. I would be glad to provide any other information required by you. Thank you for your kind
attention for going through my resume.