SUBHA H S
- Location Preference: Pune
SME/Corporate Credit • Retail Banking • Mortgage • Financial Services
A result driven professional with 4+ years of experience in the areas of Credit and Customer Relationship Management performing various roles in banking like Branch Head, Assistant Branch Head, Credit/Advance Head, Branch Internal Auditor, etc. I possess in-depth experience of managing credit portfolio and implementing strategies towards enhancing market penetration, business volumes, growth and profitability. Highly effective communicator and team leader with proven ability to build long-term relationships with internal and external customers by establishing a high level of confidence and trust.
Strengths: Team Building, Business Strategy, Resource Management, Effective Presentation and Negotiation skills, strong knowledge in Banking Operations and Credit Management
Specialties: Credit risk, Risk analysis, Team Management, Due diligence, Escalation management, Decision making, Problem solving, Audit and Compliance, Customer Relationship Management
University Rank Gold medalist for Academic Excellence (University First Rank) in MBA, Department of Management Studies, Pondicherry University
As branch manager, one of the prime responsibility is to make credit decision which involves
Credit Risk Analysis and Management, SME/Small Business credit, Audit and Compliance, Customer Relationship Management, Retail Banking, e-Business
Specialization: Finance and Human Resources
MBA Final Project: Axis Bank, Pondicherry (2 Months)
Project Title: A Study on the determinants of derivative usage by Indian Banking Industry
Summary Of the Project: Study done to understand the derivative market in India and to find the determinants of derivative usage (interest rate derivatives and currency derivatives) by Indian banks. Taking the banks that use derivatives for hedging analysis was carried out for two years (financial year 2009-10 and 2010-11). It was found that the determinants of interest rate derivative usage are interest rate risk, asset quality, credit risk, net interest margin and financial distress and the determinants of currency derivatives are financial distress, dividend paid, and asset quality, investments outside India and balances outside India.
Statistical Tools used: SPSS – ANOVA, Multiple Linear Regression, Pearson Correlation Matrix, MS-Excel.
MBA Summer Project: Indian Overseas Bank, Chennai (2 Months)
Project Title: A Study on the evaluation of credit appraisal process for home loans.
Summary Of the Project: Analysis was carried out to find the prime variables to be considered while appraising the home loan customers using correlation, chi- square and multiple Linear Regression. Proposed amount of loan, repayment period, income other than salary, type of property and net salary were found as the prime variables.
MBA Field HRM Project : Lucas – TVS, Pondicherry
Objective: To understand the HR Function in an organizational context and to seek the considered views of the HR Professional
Finacle, Loan Application Processing System (LAPS), SPSS, MS Excel, Office, PowerPoint, Windows Platforms
Tamil (native - RWS), English (fluent - RWS), Malayalam (basic - S), Hindi (basic – W)
I, Subha H S do hereby confirm that the information given above is true to the best of my knowledge and I will work with utmost sincerity if I am given a chance. Thank you
Place : Chennai Yours Sincerely,
Subha H S