1. ♦ Dubai – P O Box 65361 ♦Mob: 971-509851978 ♦ ramki2583@gmail.com ♦
T N RAMAKRISHNAN
♦Mob: India- 91-9941258120 Dubai-971-509851978 ♦ ramki2583@gmail.com♦
BANKING DOMAIN EXPERIENCE –WHOLESALE/RETAIL BANKING
Objective:
Seeking expertise position with leadership responsibilities in BankingDomain includingproblemsolving,planning,organizing
and managing a team to achievethe desired corporate goals.
Carrier summary:
 Worked with HDFC BANK LTD, as AssistantManager in WholesaleBanking Operations in Cash Management Services from
Dec 2007 till May 2010.
 Worked with ICICI BANK LTD in Retail Branch Banking group, as AssistantManager in Annanagar Branch,Chennai from June
2010 till Jan 12 2012.
 Worked In PolarisFinancial Technologies Limited as a Consultant(Retail BankingVertical) fromFeb 1 2012 till 31st July 2012.
 Workingin SQS BFSI India Limited (Formerly Thinksoft Global Services Ltd) from November 19, 2012 till date.
Job Skills:
 Effective communication - communicate well to the customers and had a high success in avoidingescalations
 Effective handlingof servicerelated queries for assigned customers and to serve them as one point of contact.
 Suggested measures and innovativeideas to address some of the issues often encountered in understandingand improving
the level of service.
 Handled Deliverables tallyingon daily basisand in fortnightverification of all inventories as a requirement of audit.
 Co-ordination amongbranch staffs ensured effective resolution
 Ensured that the customer requests areprocessed on time within TAT so as to keep the branch customer focus scoreon top.
 Qualitativework than quantitative – ensured a comprehensive solution and avoided repetitive issues
 Takingtimely ownership of issues and resolvingon time
 Good troubleshootingand analytical skills.

2. ♦ Dubai – P O Box 65361 ♦Mob: 971-509851978 ♦ ramki2583@gmail.com♦
BUSINESS ANALYSTEXPERIENCE –WHOLESALE/RETAIL BANKING
Business Analyst Responsibilities
 Gathering Business requirement both for Deployment and Implementation phases by conducting meetings. workshops,
questionnaires with Servicedelivery (Operations team) and Software development and Product Owners teams.
 Gathering of both Central Bank regulatory and Banks Internal requirements based on approved Central Bank circular and IR
document.
 Understandingfull impactanalysisof the new requirement with existingprocess and systems and finally classifying
requirements into process change and system change requirements respectively.
 Responsiblefor preparingHigh level and detailed business requirements with clear demarcation of Process and System
change required for each business requirements with the relevant Owners from developingand Business teams both in
Project Initiation and Definition tollgates respectively
 Responsiblein preparingProcess documents for process changerequirements and circulateto Service Delivery(Operations)
head for approval.
 Responsiblefor conductingBRD walkthrough sessions to ProjectWorkinggroup with the objective of obtaining feedbacks
and sign-off post updating of their feedbacks.
 Responsiblefor arrivingatbusinessimpactof not implementing regulatory requirements within the agreed deadlines and to
shareto project working group.
 Responsiblefor freezing requirement scope with respect to process and systems and to be part of BRD.
 Responsiblefor Prioritization of requirements usingMOSCOW method and should partof BRD documentation.
 Responsiblefor Noting down of queries raised by project working group in BRD and in resolvingthis queries by liaising with
concerned business teams through meticulous followups and escalationsif required.
PROFESSIONAL EXPERIENCE
Thinksoft Global Services Limited Nov 19 2012 till Date
Domain: Business Analyst: Banking Domain
Workingas Business Analystfor ClientSilicon Valley Bank handling UAT testing of Various CorporateBankingProjects in areas like
Cash Management Services,Payments likeACH etc.
Job Description:
Projects Handled for Silicon Valley Bank
 Deposit Reclassification aspartof FED Reporting.
 People Soft General Ledger (PSGL).
 COBS (Client On-BoardingSystem).
 Journal Entry Management Systems(JEMS) (GL and other suspenseaccounts monitoring)
Current Projects in HSBC(Dubai)
 Business Analystfor CBUAE Payment Systems 2015 likeImage based cheque clearingsystems(ICCS),DirectDebit
System(DDS), Wage Payment System(WPS), Fund transfer System(FTS) covering 43 business requirements across the
above modules from May 2015 till July 2015.
 Currently a Regional Business Analystfor Global Anti-Money LaunderingTM project for MENA (Middleeast) involving9
gulf countries from Sep 2015 till date
 Currently a Regional Business Analystfor Global CreditCard Anti -Money LaunderingTransaction Monitoringfor MENA
(Middleeast) involving 9 gulf countries from Sep 2015 till date.

3. ♦ Dubai – P O Box 65361 ♦Mob: 971-509851978 ♦ ramki2583@gmail.com♦
POLARIS FINANCIAL TECHNOLOGIES LIMITED (Feb 2012 to 31st July 2012)
DOMAIN: RETAIL AND CORPORATE BANKING Consultant
Department: Subject Matter Expert in Banking Projects
Job Description:
With my bankingExpertise I had been involved as Functional Producttester and Business Analystin Project NBAD (National Bank
of Abudabi) in Collections and Receivables in CMS (Cash Management Services) as a BillableResourcefrom March 2012 till date.
Achievements:
I had spotted lots of Functional Errors in Collections and Receivables Modulefor which I had received adequate appreciations.
ICICI BANK LTD (June 2010 – Jan 2012)
GROUP: Retail BankingGroup
Department: CUSTOMER SERVICE AND BRANCH OPERATIONS
Job Description:
I had played the roleof Branch Operations Manager headingprocess like
 Cash Tellers,Fund Transfers,NEFT/RTGS, Retail Outward Remittance(FEMA), Foreign Exchange TransactionslikeTravel
Card Issuanceetc.
 Customer Grievances HandlinglikesolvingCustomer Escalationsraised for the Branch level within specified TAT.
 Worked for Audit oriented responsibilities likeManagement of Deliverables (TallyingOn Daily Basis) likeIssuableATM
cards,Cheque Books, IPINS,Credit Cards etc. and also conducted Fortnight Verification as requirementof Audit.
 Management of Branch Inventories likeCustomer Account Opening I-Kits liketakingnote of all theI-kits given to sales
team by Maintainingappropriateregisters to track the same if any I-Kitissued and if found not activated within three
days takingadequate steps in trackingthe same.
 Management of other Inventories likeDemand Drafts,Term DepositReceipts, InstantCredit Cards,Travel Cards by
conductingFortnight verification of the same.
 Management of Branch Stationeries by trackingusageof the same by having Check Points to control branch cost.
 Responsibleto Open and Closethe branch on time to avoid customer complaints and dissatisfaction
3. HDFC BANK LTD (Dec 2007- May 2010)
GROUP: WholesaleBankingOperations
Department: Cash Management Services
Job Description: This is specialized services designed for medium and big corporatein enablingthem for faster and timely
realization of high valuepayments and receipts from the clients thereby reducingthe time of inventory cycleand in effecti ve
managingof WorkingCapital requirements of companies.
Role: Worked in Cheque Return processingunitinvolvingthereceipt and timely handover of the bounced cheques to Corporate
Clients within TAT across Chennai in the concept of HUB, Concurrent audit, RTGS.
Responsibilities:
 Co-ordinate and assisted the team in maintainingdata of bounced cheques clientwiseand to deliver the same to the
customer within specified TAT to avoid escalations.

4. ♦ Dubai – P O Box 65361 ♦Mob: 971-509851978 ♦ ramki2583@gmail.com♦
 Meticulous followup of bounced cheques across locationsby sendingan MIS to all branches within the Chennai HUB for the
receipt of cheques and to deliver the same locally.
 Handled Concurrent auditof all units under CMS like Clearing,Remittance, Disbursements,and would circulateauditreport
in the day end so as to rectify errors if any on immediate basis.
 Handled Outward RTGS team in processingand releasingHigh ValueFunds within TAT without any errors.
Achievements
 Got appreciations for enablingbranch to obtain Five Star ratingin Branch Internal Auditthereby increasingBranch Score
Card topping the Region in BSC.
 Reduced error rates on Cash Management Services by doing daily tracking of errors across departments in Cash
Management Services by sending daily MIS to Senior Management Level and Maintenance of Error Log to achieve Six
Sigma levels.
EDUCATION / CERTIFICATIONS
 M.B.A. (Finance)(2007)
 B.Com. (2004)
 Certificate: NCFM in Capital Markets and AMFI certified
PERSONAL INFORMATION
Current Address: BuildingNo 13, Flatno 107, Discovery Gardens P O Box 65361 Dubai,UAE
Permanent Residential Address: No 28 Second Main Road Purushotham Nagar, Chromepet, Chennai-
44
Residential Phone: 044-22237009(India)
Mobile (Current): 971-509851978/561927679(Dubai)
Mobile(India): 91-9941258120
Marital Status : Married