R. Ramarajan has over 30 years of experience in banking and financial services, including roles as Branch Manager and Chief Manager at Union Bank of India. He specialized in areas like trade finance, NRI banking, and forex management. Currently he works as Project Coordinator for Kanoos Business Group, overseeing their operations in multiple countries and a $30 million steel plant project in Kurdistan. He is seeking senior level assignments in profit centre management or operations with a growth-oriented organization in banking or financial services.

1. R. Ramarajan
E-mail: hri_raj @yahoo.co.in
Job Objective
Senior/ Top level assignments in Profit Centre Management / Operations with a high growth oriented
organisation, preferably in Banking or Financial Services sector.
Executive Summary
Over 30 years of rich experience in Profit Management, NRI Banking, Commercial/
Correspondent Banking, FOREX Management, Trade Finance (Export/ Import Finance/ L/C’s),
Client Servicing and Operations in the banking sector. Proficient in managing branch operations
and implementing strategies towards enhancing market penetration, business volumes and
growth. Have handled a wide range of banking products. Possess excellent interpersonal,
communication and organisational skills with proven abilities in team management, customer
relationship management and planning. Areas of specialization:Trade Finance, Funds
Management, NRI Banking, Retail Banking,SME,Corporate Banking. Treasury and
International Banking.
Project Management –Supervising and Completing projects, Administrative Jobs
Education
1974 B.Com from University of Kerala (Secured a 1st Class)
Ranked 8th in the University
1978 M.Com (Financial Accounting) from University of Kerala
1980 M.A. (Sociology) from University of Kerala
1984 PGDM -Personnel Management
1981 Diploma in Public Relations and Advertising.
1994 C.A.I.I.B. Examination of the Indian Institute of Bankers, Mumbai.
Organizational Experience
Since Jul’ 1978 to October 2006 with Union Bank of India, one of the prime nationalized
banks in India. Resigned from the post of Chief Manager in the Senior Management.
Executive Cadre while executing the function of Branch Head of their prestigious
Overseas Branch, the biggest branch in terms of business in the State of Kerala for
better career prospects. Was in charge of Trade Finance, Foreign Exchange, Treasury,
NRI Banking and Corporate Banking. Worked with Afghanistan International Bank; the
top ranking bank in Afghanistan managed by ING, in the executive cadre as Branch
Manager of their Herat Branch and Branch Manager Head Office. Joined Kanoos
Business Group as Operations Manager (International) for their overseas projects in
India, Kuwait, U.A.E, Afghanistan, Hongkong, Qatar and Kurdistan. Presently working
as Project Co-ordinator for their USD30 MIO steel project at Erbil in Kurdistan.
Joined as Asst. Manager (Departmental Head) with Union Bank of India in 1978
Promoted as Accountant, Aug’1985
Promoted as Branch Manager, Jun’1987
Promoted to Middle Management Scale II, Nov’1989
POSTED as Accountant – Bhavnagar Main Branch, Jan’1990
POSTED as Branch Manager- Irimpanam Branch, Aug’1992
POSTED as Manager- Exports Division (Back Office- Dealing Room), Aug’1994
Promoted to Middle Management Scale III, Jan’1998
POSTED as Senior Manager (Credit & Exports, Imports & Remittances), Jan’1998
POSTED as Senior Manager (Forex), Jun’2000
POSTED as Chief Manager - N R I Branch, Ernakulam/ Branch Head, Jul’ 2002
Promoted as Chief Manager with effect from 30th March 2005 AND IN CHARGE OF
OVERSEAS BRANCH AT ERNAKULAM handling voluminous business. Domestic .
. and International and the biggest branch in Kerala in terms of business.
Branch Manager, Afghanistan International Bank, Herat , Kabul Main Branches
from October 2006 till August 2007
Group Operations Manager(International) with Kanoos Group of Companies from
February 2008 till date.
In charge of operations of their projects in India, Kuwait, UAE, Afghanistan,
Hongkong, Kurdistan and Qatar including a Four star Hotel in India.
Successfully commissioned their joint venture project – USD30 mio steel mill
In Erbil in Kurdistan.

2. Key Result Areas across assignments;
Banking Operations
 Accountable for managing the entire banking operations including Credit and Foreign Exchange.
 Responsible for internal Control and housekeeping of the bank.
 Efficient in Deposit Mobilisation. Credit Deployment Monitoring and Recovery
 Maintaining staff cordiality at all the branches and responsible for motivating the staff members
towards achievement of the goals.
 Responsible for increasing the foreign exchange business by properly guiding the
customers through timely advices on the volatility of currencies and advising them on the vari-
ous products and facilities available.
 Thorough knowledge of UCPDC. FEMA and FERA. Dealing Room Operations. Treasury. Back
Office. Mid office etc.
 Had the privilege to head the biggest branch in Kerala of Union Bank of India in terms of busi-
ness, Overseas Branch, Ernakulam. Assisted Faculty in conducting Forex Training Programmes
and was an active member of the Core Committee to redesign training programmes in Forex in
the Bank.
 In Afghanistan International Bank, assisted them in opening branches and training personnel.
prepared operation manuals. Introduced Retail Banking, Trade Finance and SME Finance.
 In Development Bank of Afghanistan, assisted them in opening branches and training person-
nel, prepared operations manuals and introduced retail banking , trade finance and SME fi-
nance.
 Introduced many innovative marketing schemes.
NRI BUSINESS AND EXCHANGE HOUSES
 As Head of NRI Branch Ernakulam and in charge of NRI Cell with Union Bank of India, worked
relentlessly for developing the NRI business in the State of Kerala.
 Introduced new marketing techniques for canvassing NRI business and was guiding branches
in the state of Kerala with up to date provisions of enactments and RBI Rules and Regulations
governing NRI investments
 Traveled extensively in the Gulf Region for canvassing the NRI business conducting seminars
and meeting high net worth NRIs personally. Still keeping good contacts with them.
 Possess thorough knowledge of the Gulf markets.
 Framed new deposit schemes for attracting NRI Investments.
 Could work very closely with the leading Exchange Houses in the Middle East and implement
systems providing quick remittance facilities to India.
 Conducted audit of the leading Exchange houses on behalf of the Central Management of Union
Bank of India in respect of Rupee Drawing Arrangement. Gained thorough knowledge of the
working and operations of the Exchange Houses.
 Worked as Chief Coordinator for disbursement of Kuwait War Compensation and could get the
appreciation of the Ministry of External Affairs for disbursing the maximum amount to the vic-
tims without delay.
 Introduced and Managed Portfolio Investment Scheme for the benefit of NRIs.
 Introduced Quality Management System.
Profit Centre Management
 Managing complete branch operations with key focus on bottom line profitability by ensuring
optimal utilisation of available resources.
 Taking adequate measures for maintaining balance between the available funds and the re-
quirement, meeting pre-set revenue / profitability norms.
 Implementing competent strategies with a view to penetrate new accounts and expand existing
ones for a wide range of banking products / services.
 Extensively traveled overseas (middle east)for deposit mobilization, mainly for canvassing NRI
business.

3. FOREX Management
 Managing FOREX operations involving issuance of LC, Guarantees; handling inward / outward
remittances, Inter Bank Transactions, Claim Settlements & Swift Payments.
 Analysing requirements of corporate clients and suggesting suitable services / solutions for
their FOREX portfolio, ensuring best returns.
 Ensuring compliance with EXIM policies and FEMA guidelines.
TRADE FINANCE
 Started Trade Finance in Afghanistan International Bank and and trained their staff to
handle the operations independently
 Was in charge of Trade Finance for a longer period with Union Bank of India.
 Fully conversant with UCP 600/URRb725/ISP-98/URC 522/URDG458.
 Experienced in scrutiny of LC Application form, Documents under LC etc.
 Thorough knowledge of issuing Guarantees
 Excellent customer service
SME FINANCE
 Introduced SME Finance in Afghanistan International Bank and Development Bank of
Afghanistan.
 Imparted training to the selected personnel and made them capable to handle the portfo-
lio.
Relationship Management
 Building and maintaining healthy business relations with high net worth and corporate clients,
ensuring high customer satisfaction matrices.
 Handling customer centric banking operations & ensuring customer satisfaction by achieving
delivery & service quality norms.
Operations
 Managing the preparation and maintenance of statutory books of accounts, financial statements
in compliance with time and accuracy norms.
 Appraising credit proposals & scrutinising relevant documents before sanctioning / disbursing
the credit, ensuring compliance with organisational credit policies.
 Preparing and submitting computerised R-Returns to RBI.
System Implementation & MIS
 Adapting, implementing and ensuring smooth functioning of systems / software with a view to
ensure maximum efficiency in operations.
 Preparing MIS reports to provide feedback to top management on financial performance, viz,
fund management, credit control, profitability, etc.
Significant Milestones across assignments;
 Received the “Star Performer” Award and received the best performance appraisal.
 Headed the largest branch of Union Bank of India in the state of Kerala in terms of Deposits.
 Headed the largest branch of Union Bank of India in Kerala in terms of Advances and Total
Business. Was in charge of foreign exchange business, trade finance, treasury and Corporate
Banking
 Received appreciation from the Top Management for providing suggestions to improve the cor-
porate image of the Bank.
 Contributed actively in the development of the institution.
 Implemented Quality Management System
 Introduced New Deposit Schemes for the benefit of NRIs
 Received appreciation letters for Deposit Mobilisation and Credit Deployment from Superiors.
 Handled key clients such as Export Import Customer and NRI Clientele Worldwide

4. Project Co-ordinator:
- Worked as Project Co-ordinator for a USD30mio steel plant in Erbil, Kurdistan which has been
commissioned successfully producing about 300 mt of steel rods daily.
- In charge of Operations of the multi national company , Kanoos Business India.
- Looking after their operations in India, Kuwait, UAE, Afghanistan, Qatar, Hongkong and Kurdis-
tan.
- Directly supervising the management of their four star hotel project Kanoos Residency, Guru-
vayur and import and export business of Kanoos Business India, Cochin and also G K Steels, Er-
bil, Kurdistan, Iraq.
Training Programs
Attended various training programs (Internal/ External) such as:
• SSI Finance
• Credit Appraisal
• Special FOREX Training/ Advanced FOREX Training
• Appraisal for advances with limits above 10Mio, etc
• Managing for excellence – conducted by National Academy for Hu-
man Resources Development, Hyderabad
• FOREX Bourse- Conducted by IMAGE, Chennai
Personal Details
Address:”Alakananda”, Kairali Nagar, B T C Road, Maradu 682 034, Ernakulam, Kerala,
India.
Phone: 91-484-2705206
Mobile: 0091 9995350547, 00965 97890221(Kuwait), 009647507023674 (Erbil)
Email: hri_raj@ hotmail.com, hri_raj@ yahoo.co.in.
Date of Birth: 15th May, 1954
Passport No.H 4957552 dated 08.09.2009 issued at Cochin valid up to07.09.2019.