Sivanesh V

About Sivanesh V

At South Indian Bank, we are committed to upholding a high-quality loan portfolio and adhering to stringent compliance standards in credit relationship management. My role involves managing a substantial loan book worth INR 246 crores, with a sharp focus on maintaining excellent credit quality and controlling delinquencies to ensure strong profitability. Achieving a 21% year-on-year portfolio growth has significantly contributed to the bank’s revenue through a diverse range of financial products.I lead the preparation of appraisal notes and enforce robust protocols, aligning with the bank’s credit policies and international trade finance standards. My expertise in legal and market-risk aspects is pivotal in supporting the bank’s strategic objectives of profitability and compliance, fostering a resilient and high-performing finance operation.In trade finance, I manage and process transactions worth INR 550 million annually, adhering to RBI guidelines. I oversee the issuance and processing of trade finance instruments such as Letters of Credit and Bank Guarantees, in compliance with UCP 600 and URDG standards. This includes handling trade settlements and SWIFT messages while ensuring that all trade documentation meets regulatory requirements, thereby preserving the integrity of trading agreements.I lead a team of 12 member, providing training and support to meet targets and track performance through KPIs. My responsibilities also include processing daily journal entries, BACS payments, NACH (Direct Debits), conducting account analysis, and reconciling balance sheets. I implement stringent AML and KYC processes to mitigate risks associated with Banking operations, International trade settlements and monitor global trade regulations and sanctions to ensure adherence to standards.Additionally, I manage a dynamic team of 55 Marketing Coordinators in the Coimbatore & Chennai region, driving marketing strategies, budgeting, and achieving goals. I oversee various marketing campaigns across digital, print, and social media platforms. By researching industry trends and implementing innovative internal programs, I foster a culture of innovation within the company. I also stay abreast of emerging technology trends and client needs, effectively communicating these insights to the development team in the region.

Experience

1. Credit Manager

   South Indian Bank

   Apr 2021 — Present · Coimbatore, IN

   Credit Risk Analysis: Lead the preparation of appraisal notes in strict alignment with the bank\'s Credit Policy, conducting comprehensive credit risk analysis by utilizing the credit scoring models and risk assessment tools to quantify credit risk and appraisals of loan proposals from clients • Credit Approval Oversight: Ensure the Committee\'s delivery of credit approvals while consistently meeting business expectations • Legal & Compliance Acumen: Maintain knowledge of crucial legal, compliance, and market-risk aspects associated with credit- activities • Monitoring and Communication: Conduct continuous monitoring of key credit-related activities within the business unit, documenting findings and effectively communicating them to the Management • Creditworthiness Evaluation: Assess credit applications, in-depth financial analysis including cash flow analysis, balance sheet assessments, income statement and credit reports to determine the creditworthiness • Data-Driven Insights and Reporting: Produce and present insightful credit reports, dashboards, and analyses to senior management, offering valuable insights into credit portfolio performance • Quality Portfolio Management: Analyse credit quality, exercise control over delinquencies, and mitigate fraud, playing a pivotal role in nurturing a high-quality portfolio that translates into healthy profitability • Risk Management: Support to risk management and financial due diligence activities, leveraging team leadership, administrative, and financial analysis skills to navigate the challenges effectively • Client Relationship Excellence: Cultivate and sustain strong client relationships, delivering exceptional customer service and promptly addressing credit-related inquiries

Education

• Amrita School of business - Kochi

  Master of Business Administration (MBA), Marketing and Finance

• V.L.B Janakiammal college of arts and science

  Bachelor of Computer Application (BCA), Computer Application

  2007 — 2011