1. CURRICULUM VITAECURRICULUM VITAE
#2/1103 1st Street
Jeeva Nagar,
Madipakkam
Chennai - 600 091
Office Phone–(044) 24455500
Extn: 1530
Mobile-9841017600
S.RAJMANOHAR E-Mail: rajmanohar.somasundaram@gmail.com
OBJECTIVE:
To work in a challenging position with good prospectus for growth and development
EMPLOYMENT:
Working as Senior Manager since February 2006 in HDFC Bank Limited.
JOB PROFILE
Senior Manager- Credit Cards Division
• Process owner for corporate cards and commercial cards
• Team leader heading a group of 10 bank officers and 5 non-bank staffs
• Credit appraisal & decision of Credit card applications sourced Pan-India as per the laid down
credit policy of the Bank.
• Supporting the team in enhancing their productivity skills and regular training, feedbacks,
discussions etc., for quality underwriting with minimized errors.
• Maintaining the Turn Around Time of applications effectively.
• Quality processing of the applications thereby minimizing reworks for self and team.
• Keeping the Delinquency at lower levels than the portfolio delinquency for self and for each team
member.
• Providing suggestions and support on process/policy changes by interacting with all stakeholders in
the unit.
• Effective Coordination with the Regional card centers and the Sales, giving them necessary feed
back on improving the Approval rates and sourcing quality.
• Preparing Monthly MIS for the special segments customers and feedback given for improvements
in Quality sourcing and for reducing the decline rates.
• Effective monitoring on sensitive profiles and special focus maintained to weed out any process
hassles thereby enhance customer satisfaction
• Regular feedback shared with front-end teams in regards to any queries related corporate and
commercial cards and as well as for retail card customers.
• Giving training to new joining members of the team and as well as to sales managers in
corporate/commercial cards for betterment of process.

2. ACHEIVEMENTS :
• Was awarded 2 times the Silver Star Award, as recognition of outstanding performance towards the
realization of the business goals.
• Have handled the corporate/commercial documents scanning part from inception and uploaded in a
newly assigned system which made the process easier by reducing TAT in handling post issuance
processes and helped to streamline the process.
• Have been handling the process with NIL audit( internal and external) observations.
PREVIOUS EMPLOYMENT
Worked as Officer from August 2004 to January 2006 in Development Credit Bank Ltd.
JOB PROFILE
Officer-Retail Asset Operations Unit-Chennai(Handling Chennai , Hyderabad & Coimbatore)
• Appraising the entire gambit of retail portfolio products–Personal Loans, Home Loans.
• Tracking of processes on an ongoing basis to ensure implementation of the policy and to ensure
deviations are well within benchmarks.
• Verification of compliance report of sanction terms and conditions and proper documentation.
• Handling Complete Documentation including verification pertaining to loan products-Personal
Loans & Mortgages.
• PDC Management – Ensuring accurate presentation of Post Dated Cheques on the respective dates
for all loans. Monitoring cheque returns and representing them as per advise from Collections department.
• Providing guidance and support for sales units – with respect to product features, documentation,
etc.
• Manage the process required for delivering the turnaround time required for business.
• Lodgement/withdrawal of security documents in safe custody.
• Handling Loan account creation, disbursals and approval.
• MIS reporting for the south region.
• Loan pre-closure – calculation of pre-closure figures as per policy norms.

3. Worked as a SENIOR EXECUTIVE from November 2000-August 2004 in LOVELOCK & LEWES Services Pvt
Ltd a member company of Price water House Coopers in their Business Process Outsourcing Division
LOVELOCK & LEWES SERVICES PVT LTD, CHENNAI, TN, IN
• Handling Chennai Operations for Standard Chartered bank’s Loans division.
• Products: Auto Loans & Personal Loans
• Pre-credit application scrutinizing, Credit Underwriting, and post approval documentation
checking till disbursal.
• Effective co-ordination with DSA’s and the Bank to cut short the turnaround time.
• Feedback and product clarification to DSA’s on a monthly basis.
• Preparation of daily MIS to DSA’s & Monthly MIS to the Client & Head Office.
Worked as a Teller cum Clerk in Shriram Chits Tamilnadu Limited for about 1 year from 1999-2000
ACADEMIC PROFILE
DEGREE YEAR UNIVERSITY
B.A. ECONOMICS 1995 – 1998 UNIVERSITY OF MADRAS
SOFTWARE SKILLS:
PACKAGES : MS-OFFICE '97
OPERATING SYSTEM : WIN ‘95, WIN ' 98,MS-DOS
LANGUAGES KNOWN : ENGLISH, TAMIL, AND HINDI
PERSONAL INFORMATION:
NAME : S.RAJ MANOHAR
DATE OF BIRTH : 13/03/1978
NATIONALITY : INDIAN
RELIGION : HINDU
INTERESTS:
PLAYING CRICKET, BADMINTON, LISTENING TO MUSICS
I hereby affirm that the information furnished above is true to the best of my knowledge.
RajManohar.S