Curriculum Vitae

R Ganesh Ram Ph: 044 22593502

No 26 1st Street, Sri Lakshmi Nagar, Mobile: 9600049501

Velachery, Email:rajamanigane@gmail.com

Chennai – 600042. Dob:22.09.1982

Job Objective

Seeking middle level assignments in the areas of Banking / NBFC with a growing

organisation utilising my Skills and Acquired Knowledge to add Value to the

Organisation.

Post Graduate in Management specializing in Finance and HR.

10 years of experience in Sales Business Development & Relationship Management.

Around 8 years of exposure in Corporate, SME, MME Loan. (Asset Based Funding &

Project Finance), Working capital, Bank Guarantee Funding, Factoring and Channel

Finance etc.

Good knowledge in Credit appraisal, Balance sheet Analysis, Documentation,

Disbursement and Recovery.

Skill set includes Communication, Presentation, Negotiation, Service and Task

Orientation.

Hero Fincorp Limited: Dy. Manager – Corporate Loan (Oct 2014 – Till Date)

Developing new business as per the laid out risk criteria through direct sourcing as

well as DSA Networks for Products like (Working Capital Term Loan, Business loan,

Demand Loan, Loan Against property, Supply Bill Discounting, Purchase Bills

Discounting).

Managing the existing portfolio in Corporate/SME segment.

Preparing the credit note for the proposals and presenting it to the respective credit

committee for further sanction.

Details analysis of the client’s financials and send the proposal to credit for further

approval.

Ensure Timely Collection from the clients.

Profile Summary

NBFC Experience - 10 years (June 2005- Till date)

L & T Finance Limited, Chennai (Sep 2007 to Sep 2014)

Relationship Manager, Corporate Loan.

Acquiring new Corporate/SME customers for Factoring Service, Channel Finance,

Asset Backed Term Loan, and Working Capital Loans.

Handling Turnover of companied from 1 crs- 50 crs, for financial requirements.

Strong experience in Credit Appraisal, Preparation of Credit Approval Memorandum,

Coordination with Risk team for Sanction, Documentation and Disbursement

Relationship Management, Loan accounts monitoring, recovery, follow-up,

repossession & sale of stressed assets.

New product Development and Manufacturer Tie up for Factoring Services products.

Sundram Finance Limited Sep 2005 to Sep 2007

Relationship Executive - (Retail Loan)

Identifying Potential individual customers Car Loans, Commercial Vehicles Loans,

Fleet Card, and Tyre Finance.

Cross Selling of other products like Deposits & Mutual Funds, Motor Insurance.

Taking care of the collection & Recovery.

Back office operations & Coordination for Credit, Legal and Sales team.

Handling Customer Queries Regarding SOA, Insurance Finance, payments and

receipts.

Special Interests:

Corporate /SME / MME Banking, Services Marketing, Entrepreneurship

Languages Known

TAMIL : Proficient (Read, Speak)

ENGLISH : Proficient (Read, Write, Speak)

HINDI : Proficient (Read, Write, Speak)

Academic Background:

MBA (Finance / HR) - (2003-05), Department of Management Studies from

Sathyabama Deemed University, Chennai with 70% of Marks.

B. Com. (1999-2003), Madras University, Chennai with 60% of Marks.

HSC (1999), Ahobila Math Oriental Higher Secondary School, Chennai. With 74% of

Marks.

Computer Programming Skills:

Completed higher diploma in software engineering program from Aptech Computer

Education, Chennai in the year 2004. (C, C++, SUN JAVA, COBALT, UNIX, MS

OFFICE.)

Completed certification course in computer hardware management programme in the

year 1998.

Completed certification course on Telephone operator course in the year 1998.

HOBBIES:

Travelling, Music, People Networking, Love to spend time with nearest ones.

Competencies:

Possess strong interpersonal & communication skills

Strong relationship management capabilities

Maintain a positive work atmosphere by behaving and communicating in a manner so

that you get along with candidates, clients, co-workers & supervisors

Interest in learning new technologies, highly self-motivated and strong work ethics.

Ability to handle tremendous pressure

Receptive to change, new ideas and feedback

Deep understanding of the concepts, organizing well-structured work.

Current CTC: 8.50 Lacs.

I hereby declare that the above information is true & best to my knowledge

R Ganesh Ram