CURRICULUM – VITAE

Dasaradhi K
TF 02, Ittina Padma Apartment,
5th Main,
Ramamurthy Nagar Main Road,
Bangalore – 560 016.
E-mail: radhikakunuri@yahoo.com
Date of Birth: 21st July 1963.

DESIRED PROFILE

To be an analyst in software development for financial services (Banking and Capital

Markets) and leverage

functional and interpersonal skills in pursuing challenging and demanding career as

Business Analyst.

PROFESSIONAL SUMMARY

Over Nineteen years experience in Retail and Investment banking (Fourteen years in
back-office

Operations in Retail Banking, two and half years experience in Computerization in

Banking).
CAIIB . PROFICIENCY IN ENGLISH LANGUAGE

Domain knowledge Retail Banking ((Deposits, Advances and monitoring total branch)
and Investment Banking
(Cash management, Accounting).

Knowledge of MS-Office (MS-Word, MS-Excel, MS-Power Point), and analysis of

business requirements.

Computer knowledge and experience of working in totally computerized banking

gathering,

Preparation of various periodical statements for proper feed back to controlling

authorities

Handling of banks systems and software for optimal utilization such as designing and
generating need based

Reports to the unforeseen formats required by various Govt,. Department such

as RBI , NABARD and Ministry of Finance. Converting various reports to spreadsheet
formats such as Excel ets and Applying various formulas for output required offhand.
WORK EXPERIENCE : 19 Years. (1988 to till date) Joined as Branch
Manager.

A. Organization : Regional Rural Bank, Krisha, Chittoor Districts A.P.

Designation: Senior Manager Scale2.

Organization Profile:
A Public Sector Bank established in 1986 by INDIAN BANK a premier Nationalized
Bank Based at

Chennai city. Primarily a retail banking entity evolved in to commercial bank with

100 branch office and 600 staff.

Annual Turnover of Rs 1300 crores, profit making organization since inception.

Totally computerized on Oracle platform, in GUI Interface, with Core Banking Solution
as its goal.

Recruited by Banking Service Recruitment Board at National Level.

Trained by The RESERVE BANK OF INDIA,

NABARD AND The INDIAN BANK on latest trends and technologies, and

MICRO CREDIT Investments.

Job Profile :

Senior Manager, job responsibility as Branch Head with a 8 member team.

Complete and total management of the overall branch to increased profit year on
year.

Planning and Portfolio management, Investments and Accruals Data Analysis and
Risk Monitoring.

Customer service in front office environment.

Data delivery to CENTRAL OFFICE for monitoring.

Funds Management and Cash Flow Manipulation.

Preparation and Execution and Safe keeping of Documents.

Manpower planning and HRM.

Job Modules :

1. Cash (both Deposits and Withdrawals).

2. Funds Transfer both Electronic and Negotiable Instruments.

3. References (customer database management, interface with external database

and reconciliation).

4. Amortization of loans.

5. Accounting Module.

6. Document Execution/ legal references for guarantees and advances.

7. Portfolio Planning.

8. Risk Monitoring and Risk Management.

9. Team Motivation.

10. Customer Meetings.

11. Business Development planning with interest rate manipulation.

12. Risk Management through Insurance coverage and Legal Recourse.

Responsibilities in Detail :

A comprehensive and Documentation concerning:

1. Loan Proposals, Investment Proposals:

Customer profile preparation –
Project’s primary viability check.
Securities offered, data reference.
Enquiry about authenticity of the data.
Validation and Verification of Securities.

2. Execution of Projects, Monitoring and Recovery: C.M.A analysis.

Preparing of detailed Project viability Report.
Sanction of Credit Limits, Interest Rate Offer.
Schedule of Credit Disbursement.
Preparation of repayment Schedule.
3. Banking Specifications: Project Financial Activity routing through
Bank Account and Analysis of Project’s Health.
Insuring Various Components of the Project.
Stock Verification, Periodicity.

4. Users documentation: Execution of the Loan/ Document Execution.

Mortgage of Securities,

5. Completion of schedules as per planned costs and margins:

Verification of Project Installation as per Norms,
Cost Verification,
Checking Insurance Cover, obtaining Policies,
Preparing Utilization Certificate.

6. Feed back of Data for analysis at Central Office.

Customer Profile,
Project Details,
Credit Limits, Sanction and Margins,
Interest Rate, Cost of funds, Rate of Return.
Securities offered, obtained,
Insurance Cover,
Documentation and various Schedules,
Utilization Follow-up Report.

7. system parameters: Conducting periodical support for a number of

branches in training the staff in various on job
situation in computing techniques,

Strategy and planning:

1. Ensuring adherence to legal norms of RBI. –
Documentation.
2. Enforcing Security guidelines as per Law. Overdue
Recoveries,
Legal Actions.
3. Provide clientele with adaptable procedures.
Interest
rate/Repayment schedule.
4. Study of Business cases and Projects. Viability and
Legal Hurdles.
5. Training. Latest Law Position and R.B.I norms
6. Team meetings. Targets, Customer Service.
Reasons for choosing I.T : Lack of opportunity to utilize knowledge of various
shortcomings in
designing the banking software and a feeling of
suffocation at complete ignorance of fellow employees
about the value of the
Information and Computing Technology.
Exciting prospect of travel through technology broad
way where I belong.
I profusely thank you for giving an opportunity to
present people like Me, who thought there would be
no way to realize my dream,.

K.Dasaradhi
PRESENT CONTACT NUMBER

08570 255326 / 09959816890

(BETWEEN 7.30 PM TO 9.00AM)