Subhash Reddy

• Holder of Power of Attorney to manage the operations of the Company • Liaising with Bankers, Auditors, Clients ,suppliers and logistics partners • Responsible for the Profit and Loss of the company and exploring new business opportunities • Dealing with the Bulk purchases and export of IT, Electronics, Building material and food items etc • Ensuring the quality and best price for goods to win the trust of the clients • Reviewing the QOQ , YOY performance of the company and aligning the plans accordingly • Established E-stores in the Ecommerce Portals such as at Amazon and Noon of Dubai

• Controlling the Treasury with a working capital /Active Cash Portfolio of EUR3.5 Million Per Day • Tracking Currency majors on a Live Basis and taking timely conversion decisions • Performing for the overall operations, Business Development, funds Flow, Process Compliance, Record keeping, manpower planning, infrastructure development and profitability • Liaising with correspondent bankers in EMEA and Asia regions • Dealing with trading of big-ticket Currency Conversions and performing timely Hedging • Following the European, Asian and American markets and news to take balanced business decisions • Functioning as First Point of Contact for CFO’s, CEO’s, FCs, Finance Directors of the corporate clients • Driving the Remittance , Treasury Business, banking, accounting activities and compliance procedures • Authorising Outward remittances/SWIFT Transfers to overseas • Attending regulatory meetings, workshops, seminars and implementing the changes recommended • Monitoring receivables and payables • Liaising with prospective businesses on a frequent basis for Business improvement. • Taking care of branding with an eye on competitor activities and running relevant promotions • Achieving the employee satisfaction in terms of work culture, remuneration and amenities • Interacting with Service Partners such as Xpressmoney,Instant Cash, Moneygram, Western Union, RIA, Overseas Bankers @ Srilanka, Bangladesh, Brussels, Belgium, India, Nepal etc in regards to the funding ,Remittances settlement, business and service matters • Conducting staff meetings to ensure awareness amongst staff about revised compliance practices, business outlook, overall productivity levels and areas of improvements • Change Management, updating the industry news and ensuring the knowledge upgrade to the staff • Monitoring Cash operations, Finance department • MOM & YOY MIS Reporting to the Board of Directors on a frequent basis and analysing the overall business

Responsible for the overall operations and business development of 4 branches I.e. in terms of Treasury business, Revenue, staff management, customer relations and service standards etc Role was similar to the Cash Plus Mahe ,Seychelles but it was limited to 4 branches

• Net Credit Loss (NCL) reduction by Managing the Delinquent Credit cards portfolio • Vendor and Team Management in terms of numbers, compliance and market penetration • Market analysis and reporting Negative areas list to the Business Intelligence Unit &Credit dept’ • Analysing the market conditions and restructuring the debts, Tracing the intentional defaulters and applying necessary legal tools for the due’s recovery • Co-ordinating with horizontal and verticals levels of the bank • Conducting service campaigns, LokAdalaths, Collection drives and aggressive OTS facilities • MIS management, Staff training, Audit Compliance and ensuring service quality

As Debt Manager-Credit Cards at ICICI BANK LTD-HYDERABAD,AP 2008 to Nov 2010. • Driving a team of 30 FE’s to reduce the Unsecured Non-Performing Assets, Delinquent pool credit cards • Accessing CIBIL reports and assessing the customer profile, repayment capacity & intentions • Vendor Management, Portfolio Management and ensuring the optimum return on stock, Facilitating “100 Hours Debt Recovery Agents training mandated by RBI for all Field Executives • Giving solutions for the critical cases like debt restructuring based on customer repayment capacity • Acting as Approving and recommending authority in Credit Card settlement/Foreclosure cases • Handling and Resolving RBI and Head Service Quality escalations raised by the customers • MIS management on a daily basis and contributing towards the reduction of NCL and GCL of the Bank. • Ensure Audit compliance at Agencies, Receipt book reconciliation and TAT(Turn Around Time) in rendering quality service to the customers As Area Sales Manager at ICICI BANK LTD,VISAKAPATNAM, AP Oct 2007 -July 2008 • Identifying Vendors in districts to disburse Agriculture& cattle loans to Develop Farmer Finance and agri-business of the bank • Ensuring timely Field Investigation and loan disbursals in the area assigned. • Preparing MIS and Liaising with Senior Management for Special Deviation for Loan Disbursals • Ensuring the Asset Quality with careful scrutiny about applicant’s profile and Source of revenue • Tracking Initial repayment pattern and introducing the recovery teams to the Applicants for a smooth repayment to the Bank • Coordinating with RISK and Credit Teams for timely site visits and disbursal of loans • Going Extra mile by utilising the Technology to assist the farmers such as taking Onsite Photographs etc • Disbursed INR 20 Million Rupees within a span of 5 months in RMAG Vertical of the Bank though it was a newly launched scheme by the Bank • None of those loans became NPAs which were sanctioned during our tenure.

Key Tasks Handled • Managing the Branch Profitability, personnel and service levels-Working Capital Size was 10 Million INR • Creating brand image for the Company and its services in the market • Dealing with Foreign Exchange, Inward-Outward remittances, Traveller cheques, Mutual Funds and general insurance products • Taking care of branch infrastructure, visibility and security measures • Interacting with Central Foreign Exchange, Finance and Operation teams on a frequent basis • Periodic review of achievements Vs objectives and ensure to cascade business objectives amongst staff • Monitoring INR Fund Management for daily branch operations and Vault management • Preparing monthly Bank Reconciliation Statements • Handling the complaints and escalations if any • Ensuring strict adherence of KYC norms and AML Guidelines and achieving good audit grades • Staff training and appraisals based on the prescribed parameters and ensuring growth of performers and training to the underperformers

• Headed I- Shakti, (A Project of Y On Earth-Worked for Hindustan Lever Ltd ) a rural Development Project in West Godavari district which was aimed at building a successful Supply chain of retail outlets for Hindustan Lever Limited (Unilever) • Key idea was to install Software about Health & Hygiene Awareness in Rural Kiosks (Eseva Centres) and increasing the footfalls • Gradually evolving those kiosks as retail outlets to ultimately increase the FMCG sales of HUL ( such Personal Care segment, Food items and Home care etc) • Motivating the kiosk owners, convincing them to maintain HUL products stock and planning promotional activities to boost the sales at Kiosks.