MBA BANKER,HRD PROFESSIONAL,FORMER FACULTY BUSINESS MANAGEMENT WITH OVER 30 YEARS OF EXPERIENCE IN VARIED FIELDS INCLUDING SUSTAINABLE DEVELOPMENT,RURAL COOPERATIVES,TRAINING & DEVELOPMENT,MICRO FINANCE, RESEARCH

1. VINOD DINAKAR GODALA
(MBA, LL. B, JAIIB, MA, JDA(Arabic)
Mobile: +91 – 9063512328 & 9701444542
E-Mail: vinod533@rediffmail.com and vnd533@rediffmail.com
vgdinakar3@gmail.com
SENIOR TO TOP LEVEL POSITIONS IN ADMINISTRATION /BANKING OPERATIONS /
NBFC/ CONSULTANCY / ADMINISTRATION / HRM / TRAINING / RURAL PROJECTS
ACADEMIC-RESEARCH-DEAN-FACULTY IN BUSINESS
MANAGEMENT/NGOs/VOLUNTARY & DEVELOPMENT ORGANISATIONS
PROFESSIONAL SNAPSHOT
 An astute professional with over 32 years’ experience in the areas of Banking Operations,
Rural Development, Compliance Management, Business Development, HRM, Credit
Management, High Net Worth accounts, Policy formulations, Loans & Advances, Non-Farm
sector, PMMY(Mudra) loans, Micro-Financing, Branch Banking, Capacity Building,
Management Education, Training & Development, Facilities Management, Legal cases-
preparation and vetting of para-wise remarks, etc.
 Pursuing Ph.D from Osmania University, Hyderabad; to be completed by Dec’2016
 Handled all aspects of the finance business including sales & marketing, credit appraisal,
administration, operations, finance, systems, risk management, collections & legal,
disciplinary cases management, recovery, HR and administration.
 Pioneer in leading Rural Development Projects, Microfinance, Business Development Plans
(BDPs), Agriculture Schemes, Customer Service, Interpersonal Communication with easy
penetration into rural mass.
 Extensively worked and co-ordinated with Top Ministers & Politicians, District administration
for implementation of Govt. of India & State Govt. schemes & World Bank assisted NCDC
project in two districts of AP state, fund raising schemes.
 Expertise in entire gamut of HRM/ HRD functions, including Recruitment, Selection, Career
Planning, Succession Planning, Performance Management, Employee Welfare & Training &
Development, Facilities Management.
 Adroit in assessing existing processes, and accordingly designing & implementing measures
aimed at enhancing process efficiency, organizational effectiveness and employee potential
as well as morale.
 Specific and detailed experience in the credit /risk management & collections and recovery
functions of retail finance business comprising of SME, Instalment loans (Mortgage/ auto/
personal/educational loans).
 Rich experience in driving teams for running successful operations & experience of developing
procedures for start-up ventures, and steering organisation-wide growth to a market
leadership status.
 Excellent communication, relationship management, team building skills with dexterity in
planning & coordinating launches of new products. Possess a flexible & detail oriented
attitude.
 Comfortable in working under cross-cultural and multi-lingual environments.

2. COMPETENCY PURVIEW
Managerial: - Strategy Planning - Business Plans / Models- Rural Projects
Policy Formulation Forecasting / Business Analysis - Liaison /
Coordination- Revenue Generation - Decision Making
- Target Set Ups- Process Enhancements -Feasibility Evaluation-
Executive Leadership
Business Operations: - Profit Centre Operation - Business Development- Branch Operations
- Product Strategies - Key Account Management- Channel management
- Portfolio Management - Credit Management- Credit / Loan
Administration Training & Development-Customer Relationship
Management-Team Management
Functional: Multi-Location Recruitment- Diversity Hiring- -HR Strategizing-
New Set up & Org. design- Training & Development- IR & Labour Law
- Recruitment/Resourcing- Employee Welfare- Event Management-
General Administration - Training & Development- Team Supervision
Soft Skills: Excellence in Analysis and Problem Solving-Sound Judgement and
Decision Making Skills-Strong Influencing Skills, persuasive
Communicator -Achievement oriented Team Builder -Honed people
management Skills-Systems Implementation-Analytical Approach
EXPERIENCE SCAN
4/ 2015- as on date: Telangana State Cooperative Apex Bank ltd, (TSCAB) Hyderabad,
India. On retirement, working with previous employer, earlier AP State
Cooperative Bank ltd (APCOB)
Asst. General Manager. (R) Loans & Advances- (IF).
Notable features : Played key role in the preparation of policies for the year 2015-16, &
2016-17 on behalf of the Loans & Advances section of the Industrial Finance department of the
Bank , viz; Non-Farm sector financing(NFS), Institutional & Industrial Financing catering to Micro
Finance Federations, Short Term (others) catering to credit delivery to big farmers for
undertaking commercial crop production in the state of Telangana, credit delivery to Landless
farming community through Joint Liability Groups (JLGs), Micro financing through Self-Help
Groups(SHGs) Non-Agricultural Gold Loans to DCC banks by pledge of jewellery & gold,
Institutional Finance (Streenidhi Micro Federation)Communication of sanctions/allocation of
annual limits, documentation, receive and process applications for release of drawals to the
banks.

3. Conducted scrutiny of IF loans to Institutions and obtained approvals for release of loans. The
credit delivery to the above products amounted to INR Rs. 647.00 Crores during the year ending
March, 31, 2016. Suggested new product/business development in Head Office and DCCBs and
evolved policies, whenever necessary. Presently, preparation of Bank’s Small, Micro and Medium
Enterprises (SME) policy in Manufacturing and Service sectors under consideration in the IF
section.
Attending and forwarding of compliance to internal auditors, NABARD, Dept. of Supervision etc
on the issues raised pertaining to L&A/IF dept. MIS: - Obtaining of various reports, monthly,
quarterly from DCCBs, arrange consolidation to forward to SLBC, NABARD, Govt. of Telangana
and Govt.of India etc.
Attending to Legal aspects, preparation and vetting of para-wise remarks in legal cases, liaison
with Standing Legal Counsel of the bank for following-up legal cases. Undertaking field visits to
units financed by bank (direct finance) or and constituent District Cooperative Central Banks
(DCCBs) located in the state of Telangana for ensuring utilisation of loans. Take up issues &
follow-up with the government for recovery of loans guaranteed by the govt and taking of steps
for reducing NPAs of the Bank w.r.t Industrial Finance.
3/ 2012 - 8/ 2013 - ASST.GENERAL MANAGER (APCOB)
Worked in the Estate/Premises dept. of the Bank where handled subjects viz; estate
maintenance, Security, CCTVs, wage administration to security (outsourcing), tenders,
hospitality, meetings; On deputation to Branches of the Bank, attended to normal banking
business viz;, general banking, deposit mobilisation, new product development, customer
relations management, Compliance management,
At HO, also handled HRD, disciplinary cases management, legal etc.; dealt disciplinary cases of
senior cadre officers in the state, coordinated with Standing Legal Counsel (SLC)/Advocates in
pursuing legal cases in the courts of law.
2010 - 2012 The Andhra Pradesh State Cooperative Bank ltd, Hyderabad
Branch Manager
:
Branch Manager, Charminar Branch & Secunderabad Branch, where handled branch banking
operations, compliance KYC, audit, inspections, achieved deposit mobilisation targets, business
loaning, customer relations management, gold loans to customers, etc.,

4. 2009 – 2010 - Branch Manager
The Andhra Pradesh State Cooperative Bank Ltd, Hyderabad
:
Branch Manager, Charminar Branch & Secunderabad Branch, where handled branch banking
operations, compliance KYC, audit, inspections, achieved deposit mobilisation targets, business
loaning, customer relations management, gold loans to customers, etc.,
2008 - 2009 -Deputy General Manager (DGM)
The Karimnagar District Cooperative Central Bank Ltd., Karimnagar, Andhra Pradesh
Notable Milestones: On deputation to the District, Karimnagar, headed Banking portfolio.
 Supervised General Banking Operations, Deposit Mobilization, Branch Expansion,
Reconciliation, Audit, Inspections, Compliance and Disciplinary Management. Implemented
government schemes viz: Agriculture Debt Waiver Relief Scheme where instrumental in
channelling debt waiver of Rs.281.00 crores through its branches.
 On the directions of Govt. of AP and in order to provide succour to starving weaver community,
played key role in mitigating starvation deaths due to suicides, at Sircilla DCCBin Karimnagar
District, AP, by guiding , formation of SHGs of weaver community to extend credit through
SHG financing. , Played a vital role in introducing Business Development activities, viz: Gold
Loan at Head Office, Karimnagar Banking department & branches , Locker facility Schemes
in Bank branches & credit delivery including investment credit.
 Conducted field inspections of loan applications at village level for scrutiny and recommend
sanction of investment credit, tractors & harvesters etc
 Coordinated with district administration, / agriculture department in ensuring timely input
supply (fertilizers) to members of Primary Agricultural Cooperative Societies (PACS).
 Under new product development, coordinated & entered into MoU with Life Insurance
Corporation (LIC) for introduction of LIC products through Head Office at Karimnagar and its
branches.
1993 – 2008 - Institutional Development Manager/Officer /Branch Manager
The Andhra Pradesh State Cooperative Bank, (APCOB) Hyderabad
Notable Milestones:

 Branch Manager, Boudhanagar Branch, Charminar Branch &, where handled branch
banking operations, compliance KYC, audit, inspections, achieved deposit mobilisation
targets, business loaning, customer relations management, gold loans to customers, etc.,

 Merit of having worked in the Industrial/Institutional Finance Department addressing High Net
Worth accounts besides drawing refinance from higher financing agency of the country ie;
NABARD (National Bank for Agriculture & Rural Development) or/and advancing credit
related finances to 23 constituent District Level Banks in the state of Andhra Pradesh viz;
IRDP,SHG,NFS loans .Conducted scrutiny of loan applications from 23 districts of AP State.
 Pivotal in providing assistance in advancing Small Scale Sector Financing & Rural Housing in
the districts of the state.

5. 1986 - 1993 - Mobile Consultant/Guide
Agricultural Cooperative Staff Training Institute(ACSTI) under the management of The Andhra
Pradesh State Cooperative Bank, (APCOB) Hyderabad, India (APCOB)
Notable Milestones:
Played key role in introducing “Gold Loan” facility at Mahbubnagar District Cooperative Central
Bank, got inaugurated by the concerned Minister for Cooperation. of Andhra Pradesh
 Stellar role in implementing World BankAssisted Rural Storage Project that includes training
and development of key personnel including CEOs of agricultural cooperatives for capacity
building through training to Board of Directors of Society & field functionaries on Financial
and General Business Management aspects, to enable them for self-sustenance.in two
districts, Hyderabad and Mahbubnagar.
 Trained by NCDC, New Delhi, as Trainer, introduced MOSPAC (Management of operations
in Primary Agri. Cooperatives) concepts of training to field functionaries for capacity building
to enable them to take up diversification of loaning and business activities at PACS .
 Efficiently prepared and implemented Business Development Plans (BDPs) for improving the
standard of living particularly people below poverty line.
 Pivotal in deploying scarce resources in income generating activities of cooperative
institutions, introduction of non-credit activities, erection of banking counters at remote
areas to inculcate saving/thrift habits, liaising with Banks, Government and other NGOs for
institutional support, training & development etc.
 Played key role in enabling PACSto take up Public Distribution Scheme(PDS) through PACS.
 Conducted Member Education Programme(MEP) to members of PACS in the two districts,
Hyderabad & Mahbubnagar to inculcate among them cooperative values and their role in
cooperative building.
PREVIOUS ASSIGNMENTS
1985-1986 - Executive
Visu Consultants Pvt. Ltd, Hyderabad
Key Responsibilities
Conduct visits to professional and reputed educational institutions providing professional courses
for tapping student potential for overseas placement for higher studies. Arrange coaching for
competitive examinations for US studies, guide in visa and other related subjects.
 Monitoring various activities including public relations, international student placements,
marketing, etc.

6. 1983-1985 - Administrator / Executive
Al-Breki Estd, Doha, State of Qatar, Middle East
Key Responsibilities
 Managing various business activities related to marketing, public relations, salary, wage &
general administration. Liaison with Doha Bank, Chartered Bank, Govt. regulatory agencies,
for availment of bank facilities viz; Letters of Credit, Bank Guarantee.
 Gained considerable experience in dealing with competitive gulf markets, general and
financial administration with exposure to multi-cultural working environment,
 Dealt import of consumer goods, administration of Sale functions, Public Relations etc.,
 Also assisted the Employer on steps for renewal of visas, final departure, fresh visas etc
(As volunteer with the Indian Embassy and upon request of the then Indian Ambassador
to Qatar, Prof. S .Bashiruddin, my contemporary in University Education in India, assisted
Indian Embassy, as volunteer, in arranging “Open House” aimed at amelioration of
expatriate’s problems in Qatar by registering complaints and taking up the matter with local
employers /Indian government (during 1984-85).
1981 - 1982 - Faculty Member /Asst. Professor, in Business Management
Satavahana Institute of Post Graduate College of Osmania
University, Karimnagar, Andhra Pradesh, India (now Satavahana
University, Karimnagar, Telangana)
Key Responsibilities
 As Faculty Member, taught various subjects like Business Management, Personnel
Management & Industrial Psychology, Organization theories, HRD, etc, to MBA, & M.Com
students.
 Conducted Seminars, Workshops, & Book & Article Review to the students as part of
developmental programs of the Post Graduate centre.
 Mentoring students in the preparation of Project Reports based on industrial exposure.
 Guided students, and coordinated with others in preparation of ” SATAVAHANA JOURNAL
OF THE INSTITUTE”.
 As valuer of Osmania University Business Management department, evaluated I & II
semester M.B.A. answer sheets of the subject; Personnel Management.

7. TRAINING PROGRAMMES ATTENDED
 Mobile Consultancy, 1986 with National Cooperative Development Corporation(NCDC), New
Delhi.
 Trainers’ training programme, 1988 at APCOB.
 Business Development Planning, 1991 at ACSTI, APCOB, Hyderabad.
 Manager’s training programme, 1993, at ACSTI-APCOB, Hyderabad.
 Financing Commercial Floriculture, 1996 at National Centre for Management Development in
Agriculture and Rural Development Bank, Bangalore, India.
 Workshop on application of Prudential Norms, 1997, APCOB, Hyderabad.
 Financing of Rural Non-Farm sector, 2000 at Vaikunth. Mehta National Institute of
Cooperative Management, Pune, India.
 Financing of Self Help Groups, 2001 at NABARD Training College, Mangalore, India.
 Financing of Small Scale Sector Industry (SSIs), 2002 at National Institute of Bank
Management (NIBM), Pune.
 Leadership, Group Dynamics and Team Building, 2003 at College of Agricultural Banking
(CAB), Pune.
 Effective Bank Management, 2003 at CTI- APCOB.
 Disciplinary Procedures in Banks, 2004 at CTI-APCOB.
 Drafting of para-wise remarks in Courts, 2005 at Dr. MCR HRD Institute of AP, India.
ACADEMIC QUALIFICATIONS
Ph.D. Research
Topic: ‘HRD climate in Banking- Its relevance to grievance handling and
disciplinary cases’ - (final dissertation to be submitted by December, 2016)
M.B.A. (HRM) College of Commerce & Business Management, Osmania University,
Hyderabad-1980 (FULL TIME)
JAIIB Indian Institute of Bankers, Mumbai 1998
PGDCA Rushi Technologies, Hyderabad, Andhra Pradesh 2002
LL.B College of Law, Osmania University, Hyderabad 1988 (part time)
J.D.A. (Junior Diploma in Arabic) Dept. of Arabic,
Osmania University, Hyderabad, Andhra Pradesh 2008
Six Sigma
Green Belt

8. Certified Benchmark Six Sigma, New Delhi 2006
PERSONAL MINUTIAE
Date of Birth : 31st August, 1955
Contact Address : 9-2-502/1, St. Francis Street, Secunderabad-500025,
Andhra Pradesh, India
References : Available on request
Religion ; Christian
Indian Passport No: L 8586444
Have been trained as ‘Trainer’ by National Cooperative Development Corporation, a government
of India institution and since then had worked in the World Bank assisted project in the districts
of Andhra Pradesh State, India. Have hands-on experience in providing training inputs to banking
and cooperative bank/society personnel on various banking products besides financial
management, marketing management, administrative management for Board of Directors of
societies, preparation and implementation of Business Development Plans(BDPs) for agricultural
banking personnel, legal and disciplinary cases management. Conducted various training
programs for banking/society personnel in Mahbubnagar and Ranga Reddy Districts and trained
as trainer in national and state forums as depicted in enclosed training certificates, in the
attachment files.
With the background returned from (Doha, Qatar) where gained varied experience working in
multi-cultural environment and my informal association with the then Indian Envoy
(Prof.S.Bashiruddin’s, in conducting “Open House” to ameliorate expatriate’s problems, I am
confident that I will acquit myself creditably in discharging responsibilities. Since gained Junior
Diploma in Arabic language from the University, have confidence to deal in Arabic multi-cultural
environment.
G.VINODDINAKAR
June, 2016