1. V. Ramkumar Contact: +91 9551050745, E-Mail:v1.ramkumar@tcs.com
Operational / Process Management
Professional Synopsis
BUSINESS PROFILE
 A self-managed and result-oriented Manager with nearly a decade of experience in Retail Banking
Operations / Reconciliations including Cards, banking, Investment, Insurance in terms of Process
Management, Balance sheet Substantiation & Team Management.
 Strategic manager with strong interpersonal, communication, problem solving and decision making
skills.
 Ability to establish and maintain strong alliances; lead and motivate teams; drive projects to
successful completion; convey complex technical requirements/data; exceed customer expectations and
achieve results.
 Developed a domain expertise in the Interchange settlement operational framework of major
Associations/Networks (VISA, MasterCard).
 Handled a project on standardisation of Cards (Credit / Debit) Interchange Settlements Operational
setup for Citi across various Asia/EMEA countries in order to improve the operational efficiency.
 Developed an automation tool for Interchange Settlement Reconciliation for Citi Cards businesses
across ASPAC & EMEA countries.
ORGANISATIONAL EXPERIENCE
TCS Ltd (formerly Citigroup Global Services Ltd), Chennai sinceAug’06
Reconciliation and Balance sheet substantiation process for ATM, Investment, Cards, Insurance, banking and Loans
Growth Path:
Processing Officer Aug’06-Apr ‘08
Team Leader Apr’ 08-Apr’ 11
Assistant Manager Apr’ 11-Jan’ 14
Manager Jan’ 14- Till date
Sundaram Business Services (Formally known as Sundaram Finance) sinceApr’03 – Aug ‘06
Insurance Operation
Growth Path:
Joined as Apprentice Apr’03 to Apr’04
Process Agent Apr’04 to Apr’05
Associate Apr’05 to Aug’06
Key Result Areas:
Operations Management
 Managed Reconciliation process and Balance sheet substantiation for various regions like APAC & EMEA
 Managed Interchange Settlement& Accounting operations for Australia, Malaysia, and ASPAC & EMEA
Regional Commercial Cards.
 Developed a Robust escalation management process for across regions to ensure all the exceptions are
highlighted, followed up and resolved in a timely manner.
 Established root cause analysis tracker for GL exceptions to mitigate recurrence issues in the process and
suggested sustainable solution.
 Developed the Agent Score card module for makers across the Unit, the objective being to monitor and
measure the Agents’ performance through pre-defined goals.
Customer Relationship Management
 Client relationship management in a multi-culture environment, Customer centric initiatives to enhance the
customer experience service.

2.  2 Months on-site deputation at Al-Jazira Bank, Saudi Arabia to review GL Reconciliation process and provided
solution to implement the control to substantiate the GL balance. This lead to clear the historical exceptions and
implementing automated tool for GL reconciliation.
 1 month on-site deputation at Barclays Shared Services, New Delhi to consult the state of GL reconciliation
process health and suggested changes in account attributes in line with Accounting standards / Balance sheet.
 Interfacing with clients for understanding their requirements & suggesting the most viable solutions and
cultivating relations with them for customer retention & securing repeat business.
 Conducted Due Diligence for new projects and provided amicable solutions for GL reconciliation process
 Certified PIBS (Partnership in Business Success) consultant.
Relationship Management
 Identifying training need and preparation of training calendars & learning contracts for the team.
 Training, mentoring & monitoring the performance of team members to ensure efficiency in process
operations and meeting of individual & group targets.
 Measuring process performance and monitoring progress on a daily basis and preparing and implementing
action plans in case of gaps.
Highlights:
 Lead the User Acceptance Test(UAT) for Citi Malaysia business in their host system upgrade. Also, managed the
post implementation Production Verification Test, Health check and the resolution of system exceptions.
 Has been identified as a “High Potential Employee” in the GL Reconciliation / Proofing activity and led various
key initiatives to enhance the level of automation in handling accounting/reconciliations process.
 Spearheaded an automation effort to design and implement an interchange settlement reconciliation tool,
which has helped to eliminate manual activities, use of various spreadsheets, &interface tools thereby enhancing
the scalability and efficiency of the operations leading to a substantial productivity improvement.
 Demonstrated skills in:
o Completed Green Belt Project in standardization of the GL Reconciliation and enhancing proofing
methodology for ASPAC & EMEA Regions. This lead to reduction of head count resulting in a save of $ 10
thousand per annum.
o Completed more than 23 Kaizen and Lean projects in the unit and resulting in a save of $2 thousand per
annum.
o Developed a Reconciliation Tool with the help of IT synergy to eliminate the manual match off and build
the automated environment to perform the reconciliation. This lead to reduction of 1 head count
resulting in a save of $12 thousand per annum.
o Automating almost all areas in which manual intervention caused errors thereby reducing the errors,
time & increase effectiveness.
ACADEMIC CREDENTIAL
 Bachelor of Business Administration from Bharathidasan University in 2002.
PERSONAL PROFILE
Date of Birth 04thMay1981
Permanent Address No:77 Kalasathamman Koil, St, Ramapuram, Chennai - 89.
Passport G8786317 Valid Till 8th June 2018 (US B1 Visa – Expiry 2025)