Sridharan has over 30 years of experience in finance, banking, audits, and credit management. He has held senior roles such as senior audit manager, deputy general manager of finance, manager of finance and accounts, credit analyst, and various managerial positions at banks. Sridharan has extensive experience in areas like credit administration, branch management, project financing, audits, accounting, and treasury management. He is proficient in financial planning, internal controls, cost reduction, and improving operations.

1. S.SRIDHARAN
Contact: 91-040-23734550 (R) / +91 9866017935 (M)
E-Mail: sridharan.raghavan@gmail.com
SENIOR MANAGEMENT PROFESSIONAL: Finance / Banking / Audits / Credit Management
Over 30 years of rich & extensive experience in the arena of:
[Location Preference: Hyderabad / Chennai]
- Credit Administration
- Bank Branch Management
- Project Financing
- Audits and Compliances
Senior level executive with extensive financial planning, audits & accounting experience in diverse industries. Proven
ability to improve operations, impact business growth & maximise profits through achievements in finance management,
cost reductions, internal control & productivity improvements. Proficient in conceptualising and implementing financial
procedures, including working capital management, internal financial controls and costing. Comprehensive experience in
understanding corporate accounts and corporate financial statements. Skilled in developing and implementing
standardised policies and procedures.
Well versed with several other areas encompassing Treasury Management, System Automation, Personnel Management
as well as Training & Development.
Efficient in handling treasury function viz. getting fund-based as well as non-fund based credit facilities & assisting
planning function in coordination with the various heads. Possess immense experience in performing internal audits of
banks/NBFC/Corporates/Firms.
Developed competency in managing banking operations, implementing and innovating strategies towards enhancing
product information, market penetration, business volumes and growth. Comprehensive experience in handling a gamut
of banking operations including administrative, operational, credit appraisal & monitoring ,Forex dealings, NRI A/c’s & and
other allied activities. Possess sound knowledge about prevalent economic/financial reforms in financial markets with
hands on experience in managing a wide array of financial products.
Proficient at:
 Spearheading finance functions involving determining financial objectives, designing & implementing systems,
policies & procedures to facilitate internal financial and process controls.
 Managing branch banking operations with key focus on bottom line profitability by ensuring optimal utilization of
available resources.
 Evolving systems, procedures & manuals for preparation & maintenance of statutory books of accounts & financial
statements, ensuring compliance with statutory requirements.
 Managing the complete planning and management activities for ensuring completion of various types of audits within
the time and cost parameters.
 Administering various banking operations entailing clearing operations, remittances, drafts, cash management,
accounts, etc. to ensure optimal service and efficiency levels.
 Undertaking comprehensive study of the credit worthiness during the process of sanctioning credit/ loan to corporate /
individual clients through all the primary and secondary researches.
 Establishing credit policy, monitoring cash flow positions on daily basis and arranging proper collection mechanism to
keep uncollectible at the lowest level.
 Dealing with external auditors, legal and other consultants and attend to their various requirements and implementing
their suggestions.
 Conducting risk analysis and scrutinizing relevant documents like before sanctioning / disbursing various kinds of loans
while ensuring compliance with organisational credit policies.
 Formulating annual budgets and conducting variance analysis to determine difference between projected & actual
results and implementing corrective actions.
 Overseeing the preparation of MIS reports and the reconciliation statements as well as undertaking the analysis to
assist top management.

2.  Evaluating internal control systems / procedures, preparing audit reports with a view to highlight the shortcomings
and implementing necessary recommendations.
 Negotiating with financial institutions for raising fund and non-fund based facilities to meet working capital and project
requirements as well as for Letter of Credit, Bank Guarantees, Overdrafts, etc.
ORGANISATIONAL EXPERIENCE
M/S CRK & Associates ,Hyderabad –CA firm from 01-01-2013
onwards
Senior Audit Manager –Tax Audit, Concurrent audit, Internal Audit of Corporates and Statutory audit of Banks
M/S Pochiraju Industries Ltd
Dy General Manager- Finance From 01st
June’2011 to 31.12.2012
Preparation of Project Appraisal, Credit Management ,Supervision of Accounts, Bank Liasioning,
Preparation of CMA data, loan Syndication etc
Submission of MIS and related data to the Management and finalization of Accounts etc
M/S CRK & Associates ,Hyderabad –CA firm from 5th
May’2010
to 31-5-2011
Senior Audit Manager –Tax Audit, Concurrent audit, Internal Audit of Corporates and Statutory audit of Banks
Le Magnus Foundation, Hyderabad from 11th
Nov’07 to 2nd
April’2010
Senior Manager Finance & Accounts
Accountabilities:
 Overall supervision of Finance & Accounts at Corporate office- with 10 centres spread across the country.
 Looking after day to day financial requirements at Centers.
 Reconciliation of accounts of centers for cash/ bank balances at the end of the month.
 Preparation of Budgets- Capital and Revenue for the corporate as well as Unit wise.
 Preparation of MIS and cash flow statements every month.
 Management of Bank a/c’s.
 Looking after Tax matters- Service tax and TDS requirements.
 Heading a team of 2 Accounts- Managers and 4 Accounts executives at Corporate office
 Supervising a team of 10 Accounts executives at 10 centers
Highlights:
 Involved in introduction of CMS for collections from all centers for speedy collection of funds for timely utilization of
funds .
Vaithisvaran & Co., Hyderabad May’06 to July’07
Manager - Audit
[A Reputed Audit Firm]
Accountabilities:
 Processing credit services of home loans, home equity, trade loans, mortgage loans, personal loans of Corporation
Bank, GE Money, Citi Bank and Andhra Bank.
 Performing concurrent audits for Andhra Bank at Hyderabad having business of around Rs. 100 Crores.
Highlights:
 Major accounts handled included Andhra bank,Citi bank and GE & corporate bank retail loans.
M/S M.Bhaskar Rao & Co., Hyderabad Mar’05- April’06
Manager - Audit

3. [A Reputed Audit Firm]
Accountabilities:
 Performing:
- Internal audits of NBFC’s like Mahindra Finance Ltd., Canfin Homes Ltd.
- Statutory audit activities of Bank of India with business turnover of over Rs 10000 Crores.
 Looking after audit of receivables for Sharp India Ltd. - Sales Division.
 Handled a tem of 2 assistants.
Highlights:
 Handled clients like SBI Capital Markets, CIL Securities- Shares DP activities, ICICI bank & AP Transco- Power
Distribution Company of Andhra Pradesh as well as Harsha Toyata- Auto Selling & Services Co.
 Performed concurrent audits of Andhra Bank, Corporation bank as well as Tamilnadu Mercantile Bank.
Development Credit Bank, Hyderabad Feb’02- Feb’05
Credit Analyst
Accountabilities:
 Processing credit operations of corporates, medium and SME’s.
 Handled a team of 10 Managers at different branches in the Southern Region.
Andhra bank, Hyderabad Sep’80 to Feb’01
Growth Path
Sep’80 till May’81 Probationery Officer
May’81 till Apr’85 Inspection & Audit Executive
May’85 till Apr’87 Financial Analyst for 2 years- Credit Appraisal of Corporates, Medium & SME’s
May’87 till Apr’89 Branch Manager for 2 years- Overrall incharge of Branch – Administration, Operations
and Credit Management and other allied Banking activities.
May’89 till Apr’91 Senior Branch Manager/Executive at Chennai .
Apr’91 till Apr’92 Senior Branch manager at Masab tank branch ,Hyderabad
Apr’92 till Jun’99 Senior Manager – Operations & Credit at RP Road, Secunderabad
Jun’99 to Dec’99 Branch Manager, Madurai-Tamilnadu
Jan’00 to May’00 Senior Branch executive at Chennai main branch
May’00 to Feb’01 Senior Branch Manager at Narayanraopet, Siddipet -AP
Accountabilities:
 Overran supervision of the banking operations, Credit management.
 Handling a team of members.
 Assisting in implementation of computerized operations at RP Road,Secunderabad
Highlights:
 Accomplished successful implementation of computerization for the RP Road branch of Andhra Bank RP Road
Branch.
 Distinction of handling credit appraisal / management of large corporate clients like India Cements, ECIL and Markwell
Hose industries.
 Attained an increase in the deposit and advance growth by more than 300% during the designated tenure- with a total
business of more than Rs 100 Crores.
 Attended workshop on Project Finance conducted by IDBI, workshop on Financial Analysts programme conducted by
NIBM, Foreign exchange programme conducted by Andhra bank ,
 Major accounts handled included ECIL,Raasi cements, Viswa constructions, Markwell Hose industries.
 Achieved credit expansion by more than 200%.
ACADEMICS

4.  Diploma in Information and Systems Audit-ISA from Institute of Chartered Accountants of India in 2005 with 75%.
 Chartered Accountancy from The Institute of Chartered Accountants of India, 1980 with 51%.
 Bachelor of Science (Ancillary- Physics & Mathematics) in Chemistry from Madurai Kamaraj University, Tamilnadu,
1972 with over 55%.
TRAININGS UNDERTAKEN
 SAP/R3 Training in FICO module for 4 months, 2007.
PROFESSIONAL MEMBERSHIP & CERTIFICATIONS
 Fellow Member of The Institute of Chartered Accountants of India, 2003
 Qualified as Information & System Auditor from Institution, 2005.
PERSONAL DETAILS
 Date of Birth : August 22, 1952.
 Address : 203, Mahesh Apartments, Engineer’s Colony, Yellareddyguda, Hyderabad, 500073.