Prasad Ramaswamy has over 20 years of experience in banking operations including general banking, collections, payments, cash management services, capital markets, and customer service. He is currently the National Head of Payments and Regional Head of Collections at Kotak Mahindra Bank, where he manages a team of 55 staff and oversees payment processes, collection services, product customization, and process improvement initiatives. Previously, he held several managerial roles with responsibilities like setting up new desks, acquiring and retaining clients, mobilizing retail deposits, and ensuring smooth daily operations and settlement of funds. He holds an MBA in Finance and a post-graduate diploma in Foreign Exchange and Risk Management.

1. Resume of Prasad Ramaswamy Page 1 of 2
PR A S S A D RA M A S W A M Y
Address: Flat No.101, Phase-2, D Wing, Asha Nagar Coop Hsg Society, Mulund (W), Mumbai – 400 080, India
Mobile: +919820918544 | Landline: +912225931780 | Email: padmanaban_5@yahoo.com
Qualified MBA & PG Diploma in Foreign Exchange & Risk Management and Accomplished Professional backed by 20 years
of multi-faceted experience in Banking Operations
EX E C U TIV E MA N A G E ME N T PRO FIL E : BA N K IN G OPE RA TIO N S
‘Exploring Leadership roles with Banking/Financial Institutions’
Proven Credentials in…
General Banking | Collections Payments-Cash Management Services |Capital Markets
Government Business Operations | Customer Service & Relationship Management
Currently responsibility as Head Payments & Collections – Cash Management Services with
Kotak Mahindra Bank, HO Operations Malad (E), Mumbai
EXEC UTI V E SYN O P SI S
 Transaction Banking specialist with expertise in Corporate Payments Solution in Cash Management Services
 A strategic planner with experience in setting up Ops shop and managing branch operations with key focus on top-
line and bottom-line profitability by ensuring optimal utilization of available resources
 Expertise in executing customer centric banking operations as well as training & building team to manage various
facets of bank operations
 Proficient in managing the HO functioning of the Transaction Banking vertical, identifying improvement areas and
implementing adequate measures to maximize customer satisfaction level
 Outstanding ability to develop and strengthen customer relationships by anticipating business requirements and
providing appropriate product solutions to those needs, thereby creating opportunities for repeat business
 Adroit in identifying and networking with prospective clients, generating business from the existing accounts and
achieving profitability
 Skilled in examining the budget estimates for completeness and formulating annual budget proposal for the
department with focus on future operational plan and cost control.
 Played a Key role in the Integration Project drawn in the merger of Ing Vysya & Kotak Mahindra Bank
KEY CA REER HI G H L I G H TS
• Independently initiated the Operational Set Up of Capital Markets desk - (i) Clearing Bank Services to Stock
Exchanges and Commodity Exchanges & (ii) Loan Against Securities desk for Wholesale banking and Retail liabilities
business segment, while ensuring Delivery Capabilities on Scheduled Dates as specified by the Stake holders
• Acquired and Retained Client Relations as a Manager in the Capital Markets Segment
• Mobilized Retail Deposits for the Bank during my Tenure in the Retail Branch Banking division
P RO F ESSI O N A L EXP ERI EN C E
Kotak Mahindra Bank, Malad (E), Mumbai: Apr 2004 onwards
Career Progression:
• National Head Payments & Regional Head Collections –Cash Management Services: Apr 2016 onwards
• Head -Payments – Cash Management Services: Apr 2010 –Mar’16
• Head of Stock Exchange Operations – Fund Settlement & Loan against Securities: Apr 2004 to Apr 2010
Key Deliverables as Head Payments & Collections – Cash Management Services:
• Reporting to the National Ops Service Head CMS- managing a team of 55 Staff.
• Monitoring comprehensive Settlement of Funds in the Payments domain
• Coordinating Processes for ensuring Quality, End-to-End Delivery to RL and WBG Clients, encompassing the entire
Gamut of Duties and Procedures pertaining to the Cash Management Solutions.
• Piloting the Collection Services for Government Business, including Direct & Indirect Taxes, State Taxes, and IRCTC
Processing via Electronic Mode for all Customers.

2. Resume of Prasad Ramaswamy Page 2 of 2
• Imparting High Quality Solutions as regards Cash Management Product Customization and Complex Deals.
• Overseeing Process Improvement initiatives while ensuring Optimum Efficiency pertaining to numerous Operations
like E-Pay including ECS operations, Cooperative Bank Solutions System, Paper-based Products, i.e., Physical
Payments, Bankers to the Issue, NFO, DWMS, and Logistics & Vendor Management.
• Providing Direction and Support to the Ops Vertical and TBG Business Group, and Training & Team Building support
for administering various Operational Aspects.
Key Deliverables as Head of Stock Exchange Operations – Fund Settlement & Loan against Securities:
• Reported to the Executive Vice President.
• Functioned as an Associate Vice President for Clearing Bank Operations, Stock Exchanges (NSE, BSE, and Currency
Derivatives), and Commodity Exchanges (MCX/NCDEX).
• Maneuvered the Creation, Withdrawal while doing a close Monitoring of DP Limits.
Senior Officer (Asst Mgr Band 1) – ICICI Bank Limited, Fort, Mumbai: Oct 2000 - Apr 2004
Key Deliverables:
• Reported to the Manager – Band II and supervised a 10 member Team .
• Coordinated the General Branch Operations while integrating the Management Information System via Participation
of Teams in Six-Sigma Initiatives and delivery of Significant Quality Enhancement.
• Was an Officer in-charge for ensuring uninterrupted and smooth operations which involved the funds settlement of
brokers, FII's& custodial participants
• Responsible for management information system through team participation in Six Sigma initiatives and delivering
significant quality improvement
• Ensured close Monitoring of Limits by ensuring adequate Asset Cover for Overdrafts/Margins for Bank Guarantee and
Reporting on Deviations to the Head-Operations.
• Administered the Issuance of Bank Guarantees favoring the Exchanges.
Executive – Oriental Bank of Commerce (Erstwhile GTB), Fort, Mumbai: Sep 1999 - Oct 2000
Key Deliverables:
• Reported to the Chief Manager and supervised 1 Staff.
• Imparted Services to Brokers, FII’s, and High Net worth Individuals for augmenting Service Levels at the Branch.
• Handled documentation issues pertaining to Accounts Opening, along with consistent monitoring of Client Accounts.
• Managed Funds Settlements for Stock Market Clients with the NSE and BSE.
OTH ER P REV I O US ASSI G N MEN TS
Organization Designation Duration
IndusInd Bank, Bandra, Mumbai Assistant Manager – Retail Branch Banking Dec 1997 - Sept 1999
City Union Bank Limited, Surat, Gujarat Branch Coordination & General Banking Jun 1996 - Dec 1997
AC A DEMI C S
• Executive MBA (Finance) - Karnataka State Open University (2014)
• Post Graduate Diploma (Foreign Exchange & Risk Management) - World Trade Centre, Cuffe Parade, Mumbai (2007)
• B.Sc. (Statistics & Computer Programming System Analysis) - NES Ratnam College, Mumbai University (1995)
P RO F ESSI O N A L DEV EL O P MEN T
 Certified Course in Capital Market Dealers Module, Derivatives Core Module, Commodity Markets, and Derivatives
Module | Accredited by SEBI
 Certified Diploma in Cyber Law from Asian School of Cyber Law & GLC Mumbai
 Certified Course in Unix & RDBMS Concept- Boston’s Institute & IBM Certified AS/400 Course | IBM Authorized Center
 Web Based Finacle Core (Developed by Infosys technologies), Flexcube, Cashweb (CmsNetIT) Kapiti-Equation III
under AS/400 Platform, and Queastar, a Retail Banking Software under Window’s NT Set-up [Hands on Expertise]
Date of Birth: 5th Jan 1975 | Languages: English, Hindi, Marathi, Malayalam & Tamil
Location Preference: Mumbai | References: Available upon Request..