Vishwanathan P.A. has over 25 years of experience in leadership positions managing retail asset operations, most recently as Chief Manager at ICICI Bank where he led a team of 600 people responsible for the end-to-end processing of loans, customer requests, and archiving of documents. Prior to ICICI Bank, he held roles at Development Credit Bank and Centurion Bank of Punjab overseeing retail loan operations, process improvements, and system implementations. He has a proven track record of cost savings, automation, and efficient handling of internal controls.

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VISHWANATHAN P. A
402, Oxford, Regency Heights, Near Brahmand Ph-1, Kolshet Road, Azad nagar, Thane –West 400 607
Mobile: 9004419312/9967559142, Email: pavishy@rediffmail.com
With an overall experience and consistent performance for more than 25 years, have been working in
leadership position as Chief Manager Band II in the area of Retail Asset Operations in ICICI Bank covering
Personal Loans, Auto Loans, Commercial equipment, Home Loans and Loan Against Securities.
Have a team of 600 people covering centralised as well as decentralized processes covering the following
1. End to End disbursement of 50,000 loans
2. Servicing of 75,000 customer requests
3. Archival of 20 Mn. Loan documents
4. Appointment and Managing of vendors for post disbursement processes
5. Commission Payouts to more than 10,000 Direct Marketing Agents and 8000 collection Agents.
6. Processing of Repayment mandates of 50,000 loans every month
7. Actual Repayment of more than 10 lac live loans
Major Achievements
 Savings on cost done to the tune of 12 Crores in Operations profile through process improvements
and vendorisation
 Conceptualising and Implementation of vendorised processes in post disbursement activities
 Automation of customer service processes leading to release of 50 Manpower to other units
leading to employee cost
 Implementation of shredding of rejected files leading to savings of Rs.50 Mn
 Identification of revenue leakage Archival of files ( Culling and Merging Rs. 40 Mn)
 Vendor Appointment and Monitoring of Vendor controls
 Implementation of digitized and centralized process for disbursement
 Designing and implementation of new products such as mortgage guarantee, Instant personal
Loans etc.
 Implementation of new system and Migration from old system
 Efficient handling of Internal controls leading to audit rating of 7 star and above
 ICICI BANK LTD.
(Joined in March 2008 as Chief Manager-I)
(Promoted in March 2012)
Leading team which manages:
 Quality checks post disbursal of Consumer/Home/Agri Loans
 Loan Servicing refers Foreclosure/Part Payment/Conversion/Rate Reset/ Deliverable
management/Query resolution
 Record Management involves Storage/Archival/Document recreation
 Managing sourcing and collection agency payouts for more than 10000 vendors every month.
 Managing loan against security operations.
Job Profile : National Head - Retail Asset Operation / Sourcing and collection
payout / Loan against securities
Designation : Chief Manager Band-II
Period : April 2013 till Date
 Leading team of 600 staff for PAN India asset operations located in Mumbai, Chennai,
Hyderabad and Noida
 Process owner for all process changes and modifications

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 Spearheaded large improvement projects in service for proactive refunds and Home Loan
document handover in 7 days to the customer post loan closure
 Responsible for moving customer and dealer payment process to electronic mode
 Vendor & outsourced activities performance management
 Lowest no. of complaints or repeat calling against the service requests
 Attrition in department below 10%
 Spear head the Technology development to increase Productivity
 Centrally management of customer deliverables for all loan customers
 Prudent Call taking done for faster customer query resolution
 Dedicated team formed to manage segmented service
Head - Banking & DSAPayout Management-Till March 2013
Banking Management:
 Managing proper & timely banking of 10lakh transaction in various modes viz., Auto
Debit/ECS/PDC/DAS/Billing.
 Designing strategies / processes for elimination of manual activities and perform the operations
thru systems for Business Banking Operations.
 Successfully migrated acceptance of cash receipts over 900 branches from the earlier restricted
170 Asset branches where in cash is collected in liability branch and accounted centrally for Pan
India.
 Process defined for delinquent customer for making payment through online channels using
Debit Card, Internet Banking.
 Query resolution for over 99% resolved within TAT with zero customers compliant for the unit.
 Lowest Attrition ratio of 5%.
 Process improvements and Job Rotation done leading to reduction in 10% manpower.
DSA Payouts Management
 Managing 20 different payouts for Sourcing & Collection
 Process Improvement initiatives for Payout TAT reduction thru Automation for calculation of
payouts.
DEBT SERVICING OPERATIONS GROUP:
 Managing centrally recovery process for Cards and Loans for delinquent customers through
Lien Marking.
 Successfully migrated operations from debt servicing management group to retail asset
operation group.
 Initiated various process improvements leading to collections efficiency & reduction of
complaints by 95% in 3 months.
 DEVELOPMENT CREDIT BAND LTD (DCB) (February 2007- February 2008)
Functional Designation : Regional Operations Manager – West
 Process definition for Retail Asset products of the Bank
 Branch process set up in a manner compliant with RBI guidelines and other regulatory and audit
procedures – Reduction of branch risk rating
 Transaction processing for Retail Asset Operations - Personal Loans, Commercial Vehicle/
Construction Equipment Loans and Home Equity/ Home Loans.
 Scrutiny of Loan documentation and credit appraisal review and decision

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Key Achievements:
 Successful Launch of Finone System (LOS & LMS given by Nucleus Software) and its
implementation PAN India for Retail Asset Products involving designing of various schemes
and sub-scheme as per the Product Manual
 Designing of System Manual for Retail Asset Products
3. CENTURION BANK OF PUNJAB LTD. (February 1999 - January 2007)
Job Profile : Operations Head – Mumbai.
 Responsibility for building and maintenance of book size of Rs. 300 Cr and 5 Product
variants across 5 branches including day to day processes and periodic activities.
 Process design and monitoring of presentment of Rs.5 Cr worth of transactions and its related
reconciliation.
 Correspondent relationship management with other banks for cash management services and
clearing house services
 Preparation of Branch Profitability Statement and Variance Analysis – Cost Reduction and Profit
Maximization
Activities: Centralized Operations
Responsibility for the setup of Disbursement process for 29 branches with a volume of 60,000 loan files for
Two Wheeler/Personal/Commercial/Construction Equipment loans
Key Achievements:
 Successful and seamless transition to a new core banking software at centralized operations
 Improvement in audit rating from to as Branch Head
EXPERIENCE IN OTHER INDUSTRIES:
 From Jan 1998 to Jan 1999 as Accountant in Ashtar Co LLC, Muscat –Sultanate of Oman
 From October 1995 to December 1997 as Asst. Manager Accounts - Shapoorji Pallonji
Finance Limited, Mumbai
 From August 1993 to October 1995 as Junior Officer Accounts - Industrial Oxygen Co
Limited (INOX), Mumbai
 From August 1991 to September 1993 as Management Trainee - DCW Home Products Ltd.
(Captain Cook Salt), Mumbai
Other Details:
Age 43, B.Com Graduate in 1991 from Mumbai University