1. RAMESH VIJAY RAGHAVAN
Chennai - India
Email: 1moreramesh@gmail.com; M: +91-9176055806
PROFESSIONAL SUMMARY
Seasoned Professional Banker with 35+ years of strong operational background in all areas of Banking
& Finance. Explored varied opportunities with proven track record in Corporate & Regional Planning,
Strategic Planning, Electronic Payment & Settlement systems, begin-to-end process definition,
Business analytics for application software, Credit sanctions, Priority Credit & Financial Inclusion,
customer segmentation, Electronic Products & services and Marketing.
Strengths include strong work commitment, integrity and strong interpersonal skills, with well-
developed leadership quality and excellent communication skills. Out-of-the-box thinking has been a
continuous positive factor to solve complex problems with creativity. Overall a thorough-bred
professional.
TOTAL WORK EXPERIENCE: 39 Years.
INDIAN OVERSEAS BANK: NOV 1980 - MARCH 2016
Indian Overseas Bank:
A leading commercial Bank in India in the Nationalised sector having 3,600+ branches with total
business of about Rs. 4.10 lakh crores headquartered at Chennai, India. IOB has overseas branch
presence in five countries & representative offices in six countries.
Chief Regional Manager, Vellore Region
(June 2014 – March 2016 – until retirement)
Job Profile:
1) Responsible for growth of qualitative Bank’s business in Vellore Region having 91 branches in line
with corporate objectives
2) Business growth acceleration and P & L responsibility
3) Management of key customer and external relationships
4) Broadbasing business
5) Building the team of 500+ members for attitude-building & excellence in customer service & NPA
recovery

2. 6) Internal marketing & educating customers to adopt alternate electronic modes for financial
services
7) Priority credit expansion, Financial Inclusion & other social aspects of Banking
8) Control functions including branch visits, inspection & Audit
MAJOR ACHIEVEMENTS
 Achieved5000+ crores of business mix in two years from 3,800 crores
 All business parameters were positive excluding credit mainly due to stressedeconomic situation.
CASA % stood at above 50.
Deputy General Manager, Transaction Banking Dept, Central Office, Chennai
(June 2013 - May 2014)
Job Profile:
Responsibility for following activities:
 Maintenance of CBS servers, trouble-shooting, DRS
 ATMs, PoS terminals, Internet Banking, Mobile Banking, E-commerce & Cheque Truncation
 Reviewing & finalising contracts with partners for ATM maintenance, Visa, MasterCard, NPCI &
service providers for switch, 3rd factor authentication, reconciliation of transactions, etc
 Management of Debit & Credit cards & Fraud Risk Management
 Restructuring processes to lower overheads, improve TAT, increase usage & fee-based income
 Cash Back offers & Loyalty Rewards program
 Participation in various Steering Committees of NPCI
 Implementation of KYC / AML guidelines through software controls
MAJOR ACHIVEMENTS
 Introduction of Prepaid Gift card, Kisan Credit card, special “Connect” Debit card for Youth, EMV
Chip card, SME card
 Recovery of excess taxes paid and process fine-tuning resultedin a saving of about Rs. 4 crores
during the year
AGM / DGM – Planning Dept, Central Office, Chennai
(August 2012 – May 2013)
Job Profile:
1) Planning the growth of business in key parameters & profitability & breaking down to quarterly
goals
2) Research & analysis of past performance, performance of peer banks, economic & political
scenario, geographical performance

3. 3) Follow-up on monthly progress & taking corrective actions to ensure projected growth – review of
loss-incurring branches, cost / yield of funds, NII, NIM, etc.
4) Most importantly, strategic planning was the key to achieve set goals, which involved branch
expansion, HR requirements, introduction of new products & services
5) Finalising the Vision–Mission Statement Document for the 7 years 2013 – 2020
6) The Book of Instructions, the Basic manual for syste ms & processes was made current
7) Public Relations & Advertising
AGM, Chief Representative, Vietnam
(November 2009 – July 2012)
Job Profile:
1) Sourcing business of NRIs in Vietnam
2) Off-shore lending through Singapore Branch
3) Upgrading the Representative Office to full-fledged branch. This has not happened till date due to
licencing issues in both countries and lack of political will
AGM, Residency Road Branch, Bangalore
(December 2008 – October 2009)
Job Profile:
1) Improving the business / profitability of the branch
2) Shifting the branch to a new premises first to improve brand image
3) Sizeable recoveries in NPA accounts & growth in CASA exceeded expectations
Middle & Senior Management grades – Information Technology Dept, Central Office,
Chennai
(February 1995 – July 2008)
Job Profile:
1) Conversion to TBA & then to CBS of home-grown software
2) Version control
3) ISO (re)certifications of IT Dept.
4) Moving over to Primary Data Centre & DRS
5) Network Management
6) Business analysis
7) Application design & development of Net banking software, HR & ATM transaction handling &
reconciliation software
8) Stand-alone ATMs to networked ATMs with local software to migration to centralized switch
9) Card Management – from pure ATM cards to Debit cards in association with Visa & then RuPay

4. 10) Introduction of Bank’s own credit card & prepaid Travel card
11) Procurement of hardware & system software
12) Email & website management
13) Defining & implementing IT control systems
14) Creation of policies in all the above areas
Initial years in IOB – Officer in various branches in Trichy, Kolkatta, Vellore, Delhi &
Pondicherry including rural branches near Pondicherry
(November 1980 – January 1995)
Job Profile:
1) Branch Management including internal controls
2) Improving the business / profitability of branches
3) Customer centric service offering
Previous experience before joining IOB
(April 1977 – October 1980)
Worked for Tube Investments as Audit Assistant (1½ years) & then as clerk in Bank of India (2 years)
ACADEMIC RECORDS
Other qualifications: ICWAI (Inter), CAIIB
Graduation : B.Com, 1976 from Loyola College, Madras University
PERSONAL DETAILS
Father’s Name : Late Mr. V. Raghavan
Date of Birth : 22nd March 1956
Marital Status : Married
Gender : Male
LanguagesKnown : English, Hindi, Tamil
Address : Block 3, FE, Jain Naksatra Apts, 82, Union Road
Chinna Nolambur, Maduravoyal, Chennai – 600095
Tamilnadu, India