Sivaraam Baskar

Experience

• 

  City Union Bank Ltd.

  Apr 1992 - Dec 1998

  Clerk, George Town Branch
• 

  HDFC Bank Limited

  Dec 1998 - Dec 2019

  • Vice President & State Head for Operations – Madhya Pradesh and Chhattisgarh

    Jul 2018 - Dec 2019

  • Dy. Vice President & Branch Head–Wholesale Banking Operations

    Jun 2010 - Jun 2018

  • Asst. Vice. President - Clearing & Cash Management

    Apr 2007 - Jun 2010

  • Senior Manager - Currency Chest, Jaipur

    Apr 2005 - Mar 2007

  • Deputy Manager – Currency Chest

    May 2003 - Mar 2005

  • Executive

    Dec 1998 - Apr 2003
• 

  Kuwy Technology Service Pvt Ltd (Start-up of Volkswagen Financial Services)

  Dec 2019 - Feb 2021

  Senior Vice President and Head of Operations

  I Managed credit coordination with commercial banks and NBFCs, including Used Cars. Monitored lender limits, new car dealer sales, and sales budget. I also migrated activities to digital, suggesting automation in credit appraisals, digital disbursement, and RC tracking through Parivaahan.

• 

  North East Small Finance Bank

  Aug 2021 - Jan 2023

  Sr. Vice President & Chief Operations Officer

  Lead operations for 214 branches in 9 North East states, overseeing the Centralized Processing Centre for Liability Processing. I handled centralized account opening for deposit accounts, led Centralized Asset Operations for loan disbursement, and supervised Centralized Retail Loan disbursement for various products. Executed EMI collections on NACH, SI, and Agency collections, coordinated and booked loans, and reconciled disbursements sourced through Business correspondent SUB-K. Managed payment operations including RTGS, NEFT, UPI, and IMPS, and oversaw Centralized CTS Clearing for the South Grid. Conducted periodic reviews of Branch Standard Operating Processes for Operations, monitored branch cash retention limits, and established and periodically reviewed policies related to Operations. I participated in various Senior Management Committees, including the Investment Committee, Premises & Procurement Committee, Audit Committee, and Disciplinary Action Committee. I also conducted periodic visits to branches, reviewed operations, and identified gaps in processes and automation requirements.Accomplishments: • Set up the Branch Control Unit for offsite monitoring of Branches. Migrated core banking, and sourced correspondent business Show less

• 

  SMFG India Credit

  Jan 2023 - now

  Sr. Vice President

  I am managing the operations of the Smart Desk, EMI Quality Control, Expense Processing Unit, and Record Management Unit for SMFG INDIA CREDIT COMPANY and SMFG GRIHASAKTHI. Leading various processes such as Re-KYC, customer contact updating, NOC, NDL, foreclosure of loans, EMI refunds, TDS refunds, Credit Information Bureau rectification, balance transfer disbursements, loan cancellations, interest refunds, insurance claim processing, and resolution of customer complaints. Coordinate with the Collections team and partners for EMI collections, manage accounts payable processing, employee claims, and vendor claims, and perform reconciliations for GST, TDS, and Low deduction Tax certificates. Leading the process of rental payments, pre-paid expenses, monitoring, and liquidation, maintain the Fixed Asset Register, and manage asset sales, transfers, and write-offs. Show less