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Subramaniapillai Palraju
Flat. 43 A, Green view Apartments,Sector 15 A,NOIDA,UP, INDIA 201301
0120 2511854, +91 813 06 98 208, palraju0708@gmail.com
EXECUTIVE SUMMARY
Dynamic and dedicated professional with more than 2 decades of experience in Agricultural Finance,
SME, Rural credit,Mortgageloans,Banking Operations Management, Marketing and Customer
Relationship Management across the country with diversified team and multifaceted banking
domain.
AREAS OF EXPERTISE
 Branch Administration 。Bank Auditing 。Cash Management
 Customer Relationships 。Business Planning 。Credit sourcing
 Legal Aspects Banking 。Profit planning 。Mortgage Transactions
 Recovery of Loans 。Retail Loans 。Agrl and Rural Lending
SIGNIF SIGNIFICANT ACHIEVEMENTS
 Headed succesfully a large branch with SME,Export/Import, Retail
lending TPP,and ambitious targets.
 Devised and implemented successfully the FI scheme of Govt in
West Delhi Dist as Lead Deis Manager.
 Prepared Annual Credit Budgets and achieved it with flying colors
for the dist with 400 bank branches.
 Maintained Very good liaison with Govt officials and implemented
Various target oriented Govt schemes.
 Designed and developed and organized training programs for farmers
Rural artisans,handled micro finance, general banking, insurance etc
 Handled large borrowal corporate credit proposals and also sourced
 As internal auditor of the bank acted as‘eyes and ears’of the bank.
Traced frauds and legitimate income leakage.
 Reviewed Business, Credit and Market risks branches exposed and
Suggested remedial measures.
CORE COMPETENCIES
 Review, analyse, prepare credit appraisals of SME, Corporate
And for any other diversified sectors.
 Can handles larger branch administration, target oriented performance
 Create, prepare and make strong MIS system and feed back .
 Identify, motivate, train,and delegate subordinate officers.
 Review, monthly reports , forecast and suggest remedies
 Identify oppurtunities and convert them to achievements
 Conduct investigations, analyse the evidence and review
 Conclusions.
Application for the post
of SENIOR FINANCIAL
EXECUTIVE in Banking
sector
Seasoned Banker in a
Leading Nationilised Bank
Expert analyst of Large
Corporate Credit
proposals
Legal aspects of Banking,
Mortgage Transaction
Diversified Expertise in
Agrl& Rural Lending,
Computer Post graduation
SP
 Share Knowledge, corporate goals, create team spirit.
 Time management and sharp decisions.
CAREER PATH
1983-1984 AGRL OFFICER, DEPARTMENT OF AGRL, TAMILNADU GOVT
Responsible for training a score of subordinates and
farmers in the latest technologies of Agrl.
Surveillance and forecast of pests and deceases and control
in the operational area
Delivery of timely inputs,Govt subsidies and know how to
the ultimate beneficiaries
1984 – 1998 AGRL EXTN OFFICER - CANARA BANK
Goal oriented approach on increasing Agrl Portfolio.
Implemented Rural and community development programs
Prepared and implemented NABARD refinance schemes
Follow up of advances , NPAs, proceeded recovery measures
1998- 2005 RETAIL BRANCH UNIT HEAD – CANARA BANK
Goal oriented approach on CASA, TD, Loans,TPP, and income,
Control of expenses.
Office administration, Team building, image building.
Customer relationships, policy implementations.
Follow up of loans and advances, Recovery,NPA follow up
Mortgage transactions, Filing of recovery cases, DRT matters.
2005- 2009 INTERNAL AUDITOR – CANARA BANK
Risk based internal auditing of branches across two states.
Investigation of Frauds, malpractices, misappropriations.
Deduction of leakage of income , excess and disproportionate
Expenses.
Worked as “eyes and ears “ of the bank. Not as a fault finding
but as a guiding factor.
2009 – 2013 RELATIONSHIP AND ADMINISTRATIVE MANAGER
Similar functions as Branch Head .
2013- 2014 LEAD DISTRICT MANAGER - CANARA BANK
Liasioning with All Govt departments in implementing GOI/State
Govt welfare schemes .
Formation and Conduct of Dist Consultative Committee of Bankers
District Level Review Committee with Public representatives
as convenor of the committees
Worked as Risk Based
internal Auditor of
the bank
Handled DRT, Suit filing,
and Loan Recovery
SARFAESI Act
Worked in
Computerised
Environment over 15 yrs
Worked in various
hierarchial levels in
Different parts of the
country
Liasion with Reserve Bank of India RPC department and
dissemination of policy guidelines among the bank branches in
the district.
Preparation of Annual Credit Plan for the district and follow up.
Act as a grievance redressal cell on banking services in the district.
ACADEMIC CREDENTIALS
1978-1982 - Bachelor of Agrl Sciences
Tamil Nadu Agrl University
2005-2007 - M.Sc ( Information Technology)
Annamalai University
2007-2009 CAIIB - Indian Institute of Banking and Finance.
OTHER TRAININGS UNDERGONE
 Managerial Development Program on FI - Fore School of Management, Delhi
 Executives Development Program - Indian Institute of Management, Indore
 Foreign Exchange - Staff Training College. Bangalore
 Legal aspects of Banking - Staff Training College, Chennai
 Credit Appraisal and Monitoring - Staff Training College, Chennai
 NPA and Recovery Management - Staff Tr5aining College
 Agrl Financing - Staff Training College, Bangalore
 Managerial Effectiveness - Staff Training College, Kolkata
 SSI Financing - Staff Training College, Madurai
DATE OF BIRTH June 07, 1960
LANGUAGES KNOWN English, Tamil, Hindi, Malayalam
REFERENCES Suitable references will be given when required

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CV 30 12 2014

  • 1. Subramaniapillai Palraju Flat. 43 A, Green view Apartments,Sector 15 A,NOIDA,UP, INDIA 201301 0120 2511854, +91 813 06 98 208, palraju0708@gmail.com EXECUTIVE SUMMARY Dynamic and dedicated professional with more than 2 decades of experience in Agricultural Finance, SME, Rural credit,Mortgageloans,Banking Operations Management, Marketing and Customer Relationship Management across the country with diversified team and multifaceted banking domain. AREAS OF EXPERTISE  Branch Administration 。Bank Auditing 。Cash Management  Customer Relationships 。Business Planning 。Credit sourcing  Legal Aspects Banking 。Profit planning 。Mortgage Transactions  Recovery of Loans 。Retail Loans 。Agrl and Rural Lending SIGNIF SIGNIFICANT ACHIEVEMENTS  Headed succesfully a large branch with SME,Export/Import, Retail lending TPP,and ambitious targets.  Devised and implemented successfully the FI scheme of Govt in West Delhi Dist as Lead Deis Manager.  Prepared Annual Credit Budgets and achieved it with flying colors for the dist with 400 bank branches.  Maintained Very good liaison with Govt officials and implemented Various target oriented Govt schemes.  Designed and developed and organized training programs for farmers Rural artisans,handled micro finance, general banking, insurance etc  Handled large borrowal corporate credit proposals and also sourced  As internal auditor of the bank acted as‘eyes and ears’of the bank. Traced frauds and legitimate income leakage.  Reviewed Business, Credit and Market risks branches exposed and Suggested remedial measures. CORE COMPETENCIES  Review, analyse, prepare credit appraisals of SME, Corporate And for any other diversified sectors.  Can handles larger branch administration, target oriented performance  Create, prepare and make strong MIS system and feed back .  Identify, motivate, train,and delegate subordinate officers.  Review, monthly reports , forecast and suggest remedies  Identify oppurtunities and convert them to achievements  Conduct investigations, analyse the evidence and review  Conclusions. Application for the post of SENIOR FINANCIAL EXECUTIVE in Banking sector Seasoned Banker in a Leading Nationilised Bank Expert analyst of Large Corporate Credit proposals Legal aspects of Banking, Mortgage Transaction Diversified Expertise in Agrl& Rural Lending, Computer Post graduation SP
  • 2.  Share Knowledge, corporate goals, create team spirit.  Time management and sharp decisions. CAREER PATH 1983-1984 AGRL OFFICER, DEPARTMENT OF AGRL, TAMILNADU GOVT Responsible for training a score of subordinates and farmers in the latest technologies of Agrl. Surveillance and forecast of pests and deceases and control in the operational area Delivery of timely inputs,Govt subsidies and know how to the ultimate beneficiaries 1984 – 1998 AGRL EXTN OFFICER - CANARA BANK Goal oriented approach on increasing Agrl Portfolio. Implemented Rural and community development programs Prepared and implemented NABARD refinance schemes Follow up of advances , NPAs, proceeded recovery measures 1998- 2005 RETAIL BRANCH UNIT HEAD – CANARA BANK Goal oriented approach on CASA, TD, Loans,TPP, and income, Control of expenses. Office administration, Team building, image building. Customer relationships, policy implementations. Follow up of loans and advances, Recovery,NPA follow up Mortgage transactions, Filing of recovery cases, DRT matters. 2005- 2009 INTERNAL AUDITOR – CANARA BANK Risk based internal auditing of branches across two states. Investigation of Frauds, malpractices, misappropriations. Deduction of leakage of income , excess and disproportionate Expenses. Worked as “eyes and ears “ of the bank. Not as a fault finding but as a guiding factor. 2009 – 2013 RELATIONSHIP AND ADMINISTRATIVE MANAGER Similar functions as Branch Head . 2013- 2014 LEAD DISTRICT MANAGER - CANARA BANK Liasioning with All Govt departments in implementing GOI/State Govt welfare schemes . Formation and Conduct of Dist Consultative Committee of Bankers District Level Review Committee with Public representatives as convenor of the committees Worked as Risk Based internal Auditor of the bank Handled DRT, Suit filing, and Loan Recovery SARFAESI Act Worked in Computerised Environment over 15 yrs Worked in various hierarchial levels in Different parts of the country
  • 3. Liasion with Reserve Bank of India RPC department and dissemination of policy guidelines among the bank branches in the district. Preparation of Annual Credit Plan for the district and follow up. Act as a grievance redressal cell on banking services in the district. ACADEMIC CREDENTIALS 1978-1982 - Bachelor of Agrl Sciences Tamil Nadu Agrl University 2005-2007 - M.Sc ( Information Technology) Annamalai University 2007-2009 CAIIB - Indian Institute of Banking and Finance. OTHER TRAININGS UNDERGONE  Managerial Development Program on FI - Fore School of Management, Delhi  Executives Development Program - Indian Institute of Management, Indore  Foreign Exchange - Staff Training College. Bangalore  Legal aspects of Banking - Staff Training College, Chennai  Credit Appraisal and Monitoring - Staff Training College, Chennai  NPA and Recovery Management - Staff Tr5aining College  Agrl Financing - Staff Training College, Bangalore  Managerial Effectiveness - Staff Training College, Kolkata  SSI Financing - Staff Training College, Madurai DATE OF BIRTH June 07, 1960 LANGUAGES KNOWN English, Tamil, Hindi, Malayalam REFERENCES Suitable references will be given when required