I'm

Sri Rama Chandra Babu

Deputy General Manager, Zonal Head
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Learn About Me

17 Years Experience

I am a seasoned banker with over 19 years of experience in the Indian banking industry, currently serving as a Zonal Manager at Indian Bank. Over the years, I have developed a deep understanding of branch operations, credit analysis, customer relationship management, and team leadership. My journey in banking began with a strong focus on learning the fundamentals of customer service and banking procedures. As I progressed through various roles, I built a strong foundation in credit appraisal, loan documentation, and risk assessment. I take pride in my ability to evaluate credit proposals thoroughly and ensure that the sanctioning process remains robust and compliant. I see myself as a professional who is inclined towards Business Development, Relationship Management, strong self-starter and a Team Leader with positive attitude. I create positive environment with excellent motivation, team building, supervisory and collaborative ability. Rapidly adapts to new procedures & processes and adjusts to change in schedule, team structure, operational environment, project parameters and organizational objectives.

What I can do

Key Skill Areas

Credit Analysis & Sanction

I am a seasoned banking professional with expertise in credit analysis and sanction, backed by over 17 years at Indian Bank.

Credit Monitoring

I've developed strong expertise in Credit Monitoring, consistently tracking loan accounts to identify early warning signals.

Customer Acquisition

I've affectively driven Customer Acquisition by building trust-based relationships, and identifying market opportunities

General Administration

I've consistently demonstrated strong capabilities in General Administration, efficiently streamlining processes and ensuring seamless day-to-day operations.

My Resume

Significant Highlights

May’22 to Jun’23

At Kumbakonam - Tamil Nadu

Zonal Manager

  • Zone position came to 5 th Pan India from 19th at the beginning and it was acknowledged as the best performance among mid sized zones with business of Rs 6500 cr to Rs 10000 Cr
  • Total business increased by Rs 550 Cr in that financial year
  • Growth of 16% (Kumbakonam) (Agri @ 19%,MSME @ 18.64,Retail@ 5.8%)
  • ZLCC Sanctions were Rs 220.51Cr (June22-March23)
  • Done OTS of 791 accounts in single day and first time this zone reached quarter on quarter the targets set under OTS
  • Credit linked 340 Panchayat Level Federations (PLF) in Thanjavur Dt against the existing 548 and took the district by storm in SHG linkage. We have grown by more than 100% and we could unleash the latent potential which was not tapped Slippage Ratio of 1%

2020-2022

At Chinsurah (West Bengal)

Zonal Manager

  • Zone finished at 7th pan India by March 2022 from 30th in June 2020
  • First time zone reached the RAM segments
  • Total Credit (March 2022) with growth of 14.15% Agri @ 18%,MSME @ 10.65, Retail@19.22%
  • ZLCC Sanctions were Rs 68.61 Cr (Apr 21-March 22)
  • Slippage Ratio of 0.92 %
  • Was role model in financing SHG, Rice Mills and Cold storages as we had taken over many accounts and laid solid foundation for days to come
  • The first MSME cluster was sanctioned through Corporate Office, the first one across East India

Jun’17 to Jun’20

At Maharanipeta Branch (Visakhapatnam, Zone)

AGM (Branch Head)

Almost 1500 Cr worth New connections were brought to our banks fold and that branch which was sulking was rejuvenated and now Mid Corporate Branch, Vizag has all these accounts and are the star performing accounts even now.

  

Jun’15 to May’17

At Tenali

Chief Manager

  •  Settled 125 Suit Filed cases (without any sacrifice) along with one 1982 sanctioned account (BB of Rs 82000) for Rs 34.00 lakhs as CM in 2016
  • Sanctioned 92 Two wheeler loans in single day
  • Taken over Dal Mill accounts and changed the face of the branch to retail and MSME and was top performing branch in Vijayawada zone at that time on all fronts

June 13 to Jun 15

At Delhi (Preet Vihar) Branch

(CM)

Being a deposit oriented branch the deposit portfolio was almost doubled from 75 Cr to Rs 150 Cr and sanctioned retail loans also and made that branch nil NPA one 

Feb 2011 till May 13

At Karvet Nagar

(SM) BM

  • Made that branch no 1 branch in rural category one in the Chittoor zone with stellar performance in KCC and SHG linkage thus promoting the Rural Prosperity for which I was awarded the best BM by the Chief Minister of AP in 2012 and the branch business was taken from Rs 30 Cr to Rs 80 Cr and from then on the branch never looked back.
  • Also conducted the model Village program of RBI @ Kollagunta Village and it was one of the momentous occasion as it was acknowledged by the RBI, NABARD and fellow bankers

June 2008 to Jan 2011

At Srikalahasthi Branch

as RDO

In the ADWRS 2008, of the 225 Other farmers who were overdue, I had recovered 220 and it was acknowledged by every one and with tie up of Sugar Factory, we could double the KCC portfolio and increased the agri lending manifold

Aug 2006-May 2008

At Nagari

as RDO

  • Was instrumental in the Financial Inclusion Initiative and setting up of the first ever BSC (banking Service centre) pan India in Indian Bank at Mudipalli village.
  • Also did the tie up Sugar Cane loans and increased the Agri Portfolio of the branch

From August 2024

Vellore

Zonal Manager

It was dream run as we could finish #1 zone pan India ..from 24 th during the corresponding period last year ..we had crossed 13000 cr total business and set many land marks in the process .it was truly a dream run that made the team to believe that more is still to come 

Moments spent

My Memories

  • All Pictures
  • Sports
  • Felicitation
  • Other Pics
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What I studied

Qualifications

PGDCA

1996 - 2000

CAIIB

2007

M.Sc (Agri)

Specialization: Genetics and Plant Breeding

IT Skills

Functional proficiency in MS Word, Excel, PowerPoint

What I learned

Trainings

Credit Appraisal and Risk Management

Credit Appraisal and Risk Management by SBICRM at Gurgaon

Management Development Program

Management Development Program (in-house – Indian Bank)