1. Curriculum Vitae
R Ganesh Ram Ph: 044 22593502
No 26 1st
Street, Sri Lakshmi Nagar, Mobile: 9600049501
Velachery, Email:rajamanigane@gmail.com
Chennai – 600042. Dob:22.09.1982
Job Objective
Seeking middle level assignments in the areas of Banking / NBFC with a growing
organisation utilising my Skills and Acquired Knowledge to add Value to the
Organisation.
 Post Graduate in Management specializing in Finance and HR.
 10 years of experience in Sales Business Development & Relationship Management.
 Around 8 years of exposure in Corporate, SME, MME Loan. (Asset Based Funding &
Project Finance), Working capital, Bank Guarantee Funding, Factoring and Channel
Finance etc.
 Good knowledge in Credit appraisal, Balance sheet Analysis, Documentation,
Disbursement and Recovery.
 Skill set includes Communication, Presentation, Negotiation, Service and Task
Orientation.
Hero Fincorp Limited: Dy. Manager – Corporate Loan (Oct 2014 – Till Date)
 Developing new business as per the laid out risk criteria through direct sourcing as
well as DSA Networks for Products like (Working Capital Term Loan, Business loan,
Demand Loan, Loan Against property, Supply Bill Discounting, Purchase Bills
Discounting).
 Managing the existing portfolio in Corporate/SME segment.
 Preparing the credit note for the proposals and presenting it to the respective credit
committee for further sanction.
 Details analysis of the client’s financials and send the proposal to credit for further
approval.
 Ensure Timely Collection from the clients.
Profile Summary
NBFC Experience - 10 years (June 2005- Till date)

2. L & T Finance Limited, Chennai (Sep 2007 to Sep 2014)
Relationship Manager, Corporate Loan.
 Acquiring new Corporate/SME customers for Factoring Service, Channel Finance,
Asset Backed Term Loan, and Working Capital Loans.
 Handling Turnover of companied from 1 crs- 50 crs, for financial requirements.
 Strong experience in Credit Appraisal, Preparation of Credit Approval Memorandum,
Coordination with Risk team for Sanction, Documentation and Disbursement
 Relationship Management, Loan accounts monitoring, recovery, follow-up,
repossession & sale of stressed assets.
 New product Development and Manufacturer Tie up for Factoring Services products.
Sundram Finance Limited Sep 2005 to Sep 2007
Relationship Executive - (Retail Loan)
 Identifying Potential individual customers Car Loans, Commercial Vehicles Loans,
Fleet Card, and Tyre Finance.
 Cross Selling of other products like Deposits & Mutual Funds, Motor Insurance.
 Taking care of the collection & Recovery.
 Back office operations & Coordination for Credit, Legal and Sales team.
 Handling Customer Queries Regarding SOA, Insurance Finance, payments and
receipts.
Special Interests:
Corporate /SME / MME Banking, Services Marketing, Entrepreneurship
Languages Known
TAMIL : Proficient (Read, Speak)
ENGLISH : Proficient (Read, Write, Speak)
HINDI : Proficient (Read, Write, Speak)
Academic Background:
 MBA (Finance / HR) - (2003-05), Department of Management Studies from
Sathyabama Deemed University, Chennai with 70% of Marks.
 B. Com. (1999-2003), Madras University, Chennai with 60% of Marks.
 HSC (1999), Ahobila Math Oriental Higher Secondary School, Chennai. With 74% of
Marks.
Computer Programming Skills:
 Completed higher diploma in software engineering program from Aptech Computer
Education, Chennai in the year 2004. (C, C++, SUN JAVA, COBALT, UNIX, MS
OFFICE.)
 Completed certification course in computer hardware management programme in the
year 1998.
 Completed certification course on Telephone operator course in the year 1998.

3. HOBBIES:
Travelling, Music, People Networking, Love to spend time with nearest ones.
Competencies:
 Possess strong interpersonal & communication skills
 Strong relationship management capabilities
 Maintain a positive work atmosphere by behaving and communicating in a manner so
that you get along with candidates, clients, co-workers & supervisors
 Interest in learning new technologies, highly self-motivated and strong work ethics.
 Ability to handle tremendous pressure
 Receptive to change, new ideas and feedback
 Deep understanding of the concepts, organizing well-structured work.
Current CTC: 8.50 Lacs.
I hereby declare that the above information is true & best to my knowledge
R Ganesh Ram