Wednesday, December 10, 2008

Chandran Sankaranarayanan

Chandran Sankaranarayanan, Banking IP - Risk Management, Tata Consultancy Services, Chennai

December 12, 1 pm



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Chandran holds a master’s degree in Agricultural Economics and a PG degree in Bank Management from NIBM, Pune. He had a 17-year stint in the Bank of India before he opted for a consulting career. He has had rich and varied experience in the banking industry and is currently heading the Risk Management Practice in the Banking and Financial Services wing of TCS. During his tenure in banking, he worked as an Agricultural Economist with responsibilities for project appraisals, and developing long range business plans and forecasts. He was closely associated for over a decade with implementation of Integrated Rural Development Programme (IRDP) and other Government sponsored poverty alleviation programmes. He has acquired specialization in credit management, with special emphasis on priority sector lending (micro credit), trade finance and corporate credit. He was instrumental in introducing and adopting several novel methods pertaining to NPA management in the bank. He has also specialized in Treasury Management, Process Reengineering, Total Quality Management and Competitive Strategy Formulation in banking and non-bank financial sectors. He is well conversant with quantitative methodologies and has proficiency in analyzing complex problems employing operations research methodologies, Analytic Hierarchy Process and mutivariate statistical analysis. As a management consultant he worked on banking/finance-related assignments in different areas such as organizational restructuring, credit management, Asset/Liability Management, project financial appraisals, etc. He was the in-house Project Consultant for the Activity Based Management software and Asset/Liability Management software (ALMITY- Market Risk Management) developed by TCS. He has also directed implementation of an enterprise-wide MIS solution for a public sector bank in India. He is part of the team which developed the credit risk model (probability of default) for banks in India – an in-house project. Based on his rich and varied experience in these areas, he contributed several articles to various reputed dailies such as Economic Times, Financial Express and Business Line in the broad area of credit management and corporate culture in banks. He is one of the recognized guides for the MBA program offered by the IGNOU, New Delhi. He was adjudged as the best undergraduate student of his University by the ICAR in 1973; also received the Government of Tamil Nadu Prize for the best M.Sc (Ag) student of the Tamilnadu Agricultural University in 1976.

In TCS:

Chandran heads Risk Management sub-practice under the Banking Industry practice. His team, with over 65 trained consultants, is involved in implementation of Basel II solutions in banks located in different geographies, namely Europe, US and APAC.

Banking Products – Development / Ownership:

1. “ALMITY” – Asset / Liability management System: A state-of-the-art ALM system was developed under Mr.Chandran’s direction. Product conception and determining functionality and features of ALMITY took place under the authorship of Mr.Chandran. The product has been implemented in eleven leading Banks in India and abroad.



2. “BankonABM” – An Activity Based Costing Package: Mr.Chandran provided the functionality and feature specification for the product, which can be used across all Industry Segments for cost control and profitability management. He has also evolved a consulting practice around the product. The product and concept has already been implemented in three units of a leading public sector organisation.



3. “RUBICON” – An Enterprise-wide MIS Package: Mr.Chandran functioned as Project Manager for development of this product for a leading public sector bank in India. The product, besides adopting appropriate technology, facilitates rationalisation of returns in banks and provides strategic, statutory, statistical and operational information to management and other governing bodies. This solution has been provided to two other public sector banks recently.



4. “RISKSCAN” – It is software product developed by TCS for measuring credit risk (counter-party failure) of Indian Banks. The system can help banks in measuring probability of default in regard to corporate loan accounts and risk-grade the same. Mr.Chandran was part of the team that developed this model.



Major Areas of exposure in TCS:

Mr.Chandran has been associated closely with the following activities of the Banking Group of TCS:

1. Product Development
2. Project Management
3. Research and Consulting
4. Management Consulting
5. Marketing
6. Training



In addition to the above he is also responsible for making presentations to overseas clients and maintaining relationship with them.

Key Qualifications:

Education:
Year Degree Key Subjects Institute/University
1991 PGDBM Bank Management NIBM, Pune
1990 CAIIB Banking IIB, Bombay
1975 M.Sc. Agricultural Economics TNAU, Coimbatore
1973 B.Sc. Agriculture TNAU, Coimbatore




PROJECT / THESIS

M.Sc: “A Study on Market, Market Structure and Marketing of Small Onion in Dindigul Agricultural Division of Madurai District, Tamil Nadu”

PGDBM: “A Study of Non Performing Assets of Bank of India”

CAREER PROFILE :

1. May 1996 ONWARDS : Tata Consultancy Services, Chennai

1.1.

TITLE : Organizational Restructuring of Indian Bank,Chennai

PERIOD : July –September 1996

POSITION :Team Member

RESPONSIBILITIES : The Bank, with a view to orienting itself to the market needs, undertook an exercise of formulating a Corporate Plan and Organizational Restructuring with the consultancy assistance of TCS. As a team member in the Organizational Restructuring module, undertook, along with the team-members, an analysis of the structure at the HO, Zonal, and Regional levels. It involved evaluation of the roles and responsibilities of the staff, and recommendations for restructuring based on an objective analysis of the functional and business activities. The study concluded with a presentation of the revised organisation structure before the senior management of the bank.

1.2.
TITLE :Study on Evaluation of investment and technology transfer project profiles for UNIDO, Vienna, Austria (Project Location: South India)
PERIOD : October to December 1996)


POSITION :Team Member

RESPONSIBILITIES :The firms covered were in the Agro and engineering sectors including biotech, food processing and foundry units. The project objectives were:

* Assisting Program Management Team to select local investors based on the viability of the project proposals.
* Evaluating the industrial project proposals in various sectors with recommendations relevant to technology transfer, joint venture, equity participation, market tie-ups, joint R&D etc.



1.3.

TITLE : Study on Review of Policy Framework, Legal And Regulatory Impediments to Agricultural Commodity Trade for State Planning Commission, Government of Tamilnadu – A World Bank funded project.

PERIOD : March to June 1997)

POSITION :Project Consultant

RESPONSIBILITIES: This was a World Bank funded assignment under the Tamil Nadu Agricultural Development Project. The study covered the following:

* Review of the existing policies, legal and regulatory impediments in the three types of commodity trade, viz. Intra-state, inter-state and exports
* Study of the Central and State Government policies and the resulting dual market structure for agro-commodities in these three types of trade
* Study of the implications of the Dunkel proposals on the export of agro-commodities
* Examine the adequacy of sources of market related data / information

Suggest improvements in the policies for facilitating better trade in agricultural commodities.

1.4.

TITLE : Study on Evaluation of investment and technology transfer project profiles for Confederation of Indian Industry (CII), Madhya Pradesh

PERIOD : June to August 1997

POSITION : Team Member
RESPONSIBILITIES : This study involved evaluation of investment and technology transfer project profiles, submitted by the Indian entrepreneurs. The firms covered were in the light of primary, secondary and tertiary sectors. The project objectives were:

* assisting CII to select local investors based on the viability of the project proposals.
* evaluating the project proposals in various sectors with recommendations with respect to technology transfer, joint venture, equity participation, market tie-ups, joint R&D etc.



1.5.

TITLE : Diagnostic Study on NPA Management for Dena Bank

PERIOD : December, 1997

POSITION :.Team Leader

RESPONSIBILITIES : This preliminary study aimed at identifying areas in the prevailing NPA management system of the bank, which need to be studied in depth through a detailed study subsequently with a view to strengthening the entire NPA management process in the bank. The diagnostic report contained a “Road Map” for upgrading NPA management in the bank.


1.6.

TITLE : Study of Manpower Needs of the Agricultural Sector in Tamil Nadu State, India. – A World Bank funded project.

PERIOD : August 1998

POSITION : Project Co-ordinator and Project Consultant

RESPONSIBILITIES : This study covered the following:

* Carrying out a survey of the prevailing and emergent employment opportunities in the agricultural sector
* Identifying emergent areas in research and development in the sector and assessing the employment opportunities that would be thereby created over the next ten years
* Forecasting the type and number of manpower that would be required by the sector over the next ten years
* Examining the curricula of TNAU and TANUVAS in relation to the trends identified on the demand side
* Suggesting policy and academic management measures to match supply to demand



1.7.

TITLE : Asset/Liability Management (Market Risk Management)

PERIOD : August 1999-May 2000

POSITION : Project Manager

RESPONSIBILITIES : This study covered the following:

Creation of an Asset/Liability Management System for a Private sector Bank. It included development of a software system, data entry module and manuals and methodologies for ALCO.

1.8.

TITLE : Activity Based Management (Product)

PERIOD : April1999-December1999

POSITION : Project Consultant

RESPONSIBILITIES : This project covered the following:

Development of an Activity Based Management software which can be used for costing and pricing products and services.

1.9.

TITLE : Regional EDP package for a Bank. Rationalisation of

Returns and development of comprehensive MIS

PERIOD : Oct 2000 to April 2001 (ongoing)

POSITION : Project Manager

RESPONSIBILITIES : This project covered the following:

* Rationalisation of returns
* Development of a comprehensive MIS at Regional level
* Development of a package for the above.



1.10.

TITLE : Asset/Liability Management (Market Risk Management)

PERIOD : October 2001- January 2002

POSITION : Project Manager

RESPONSIBILITIES : This assignment covered the following:

Implementing TCS’ Asset/Liability Management System (ALMITY) in a leading public sector bank in India.

1.11.

TITLE : IT Strategy for a Private Sector Bank in South India

PERIOD : Dec 2001 – April 2002 : ongoing

POSITION : Project Manager

RESPONSIBILITIES : This assignment involved the following:

Determining the IT strategy for the bank, preparing RFI for short-listing vendors, preparation of RFP for selecting preferred vendor for the Bank covering areas such as Core Banking solution, FTF, Internet Banking, Treasury, Risk Management, net-working, etc.

1.12.

TITLE : A “Due-diligence” study for a European bank on Current Account Reengineering.

PERIOD : July 2004

POSITION : Functional Consultant

RESPONSIBILITIES : This assignment involved the following:

1. Understanding the legacy systems.
2. Drawing a road map for moving into an integrated system.



1.13.

TITLE : Consulting for Basel II compliance – Road Map for Integrated Enterprise-wide Risk Management

PERIOD : October 2004 – January 2005

POSITION : Project Director

RESPONSIBILITIES : This assignment involved the following:

Developing a road map for implementing risk management related solutions so to facilitate one of the private sector banks to comply with the Basel II specifications.

1.14.

TITLE : Implementing Market Risk Management Solution

PERIOD : October 2004 – March 2005

POSITION : Project Director

RESPONSIBILITIES : This assignment involved the following:

Implementation of a market risk management solution in one of the banks in the middle-east.

1.15.

TITLE : Implementation of ALM system in a Public Sector Bank

PERIOD : January 2005 – June 2005

POSITION : Project Director

RESPONSIBILITIES : This assignment covered the following:

Implementation of an ALM system in a mid-size PSB.

1.16.

TITLE : Implementation of an ALM system in a private sector Bank in south India.

PERIOD : January 2005 – on-going

POSITION : Project Director

RESPONSIBILITIES : This assignment covered the following:

Implementation of an ALM system

1.17.

TITLE : Implementation of data warehouse for credit risk management for a leading bank in India.

PERIOD : January 2006 January - December

POSITION : Project Director – Risk Domain

RESPONSIBILITIES : Domain support and direction for implementation.


1.18

TITLE : Implementation of data warehouse and Basel II solution for a leading Bank in India.

PERIOD : January 2006 – on-going

POSITION : Project Director – Risk Domain

RESPONSIBILITIES : Domain support and direction for implementation.





1.19

TITLE : Implementation of Risk weighted Asset Calculation as per Basel II norms and facilitating data storage for leading European bank

PERIOD : January 2006– on-going

POSITION : Project Director

RESPONSIBILITIES : Domain support and direction for implementation.


1.20.

TITLE : Implementation of Basel II solution for a leading Public Sector bank in India.

PERIOD : 2006 – on-going

POSITION : Project Director – Risk Domain

RESPONSIBILITIES : Domain support and direction for implementation.


1.21.

TITLE : Implementation of advanced Market Risk Management for a leading bank in Europe.

PERIOD : 2006 – on-going

POSITION : Project Director – Risk Domain

RESPONSIBILITIES : Domain support and direction for implementation

1.22.

TITLE : Support for Data Management Pillar 1 &3 under Basel II for an MNC bank in Europe.

PERIOD : 2006 – on-going

POSITION : Project Director – Risk Domain

RESPONSIBILITIES : Domain support and direction for implementation

1.23.

TITLE : Consulting support for drawing roadmap for Basel II implementation for a leading bank in Europe.

PERIOD : 2007 January - May

POSITION : Project Director – Risk Domain

RESPONSIBILITIES : Domain support and direction for implementation

1.24.

TITLE : Implementing RWA calculator for leading MNC bank in UK.

PERIOD : 2007 – 2008

POSITION : Project Director – Risk Domain

RESPONSIBILITIES : Domain support and direction for implementation

1.25.

TITLE : PD and LGD modeling for a leading MNC bank in UK.

PERIOD : 2008 – Commencing shortly

POSITION : Project Director – Risk Domain

RESPONSIBILITIES : Domain support and direction for implementation

2. Mar.1996 to Apr.1996: ( U.K.based Consultancy Group)

Capacity : Free lance consultant

Project : Techno-economic feasibility for establishing a Credit Bureau in India meant for performing individual credit rating.


3. Oct. 1995 to Feb. 1996: Ashok Leyland Finance Ltd.

Position held : Senior Manager, Resources

Responsibilities : Formulation of strategies for resource mobilization, deposit marketing(retail and wholesale), inter-corporate deposit mobilization/deployment, and maintaining liquid reserve as per RBI regulations. Undertook process reengineering and total quality management in the resources mobilization process with a view to eventually securing ISO accreditation.

4. June 1979 to October 1995 : Bank of India

Last Position Held : Deputy Chief Manager(Credit)

Work Experience :

Planning and Development Division (Head Quarters)-

1. Macro planning of agricultural lending portfolio, monitoring and reporting to bodies such as the bank’s board, RBI, Ministry of Finance, etc.
2. Revising the interest rate structure from time to time in accordance with the broad framework given by RBI.
3. Preparing analytical reports as required by RBI on various Priority Sector loan schemes, sector performance of the bank vis-à-vis national and corporate goal/objectives.
4. Large project appraisals under Priority Sector
5. Preparing Bank’s long range plan for recruitment of Agricultural manpower (Agricultural Officers of various disciplines) in accordance with the prospective requirements of the Bank.
6. Coordinating with Banking Services Recruitment Board for organizing the recruitment program and determining recruitment parameters.



Front-line (Branch Level)-

1. As a Credit Manager in a medium-sized rural branch managed a portfolio size of 5000 accounts with a value of Rs.100 Million. Executed development-oriented lending for the promotion of agricultural and community-based commercial activities including SSI sector. Implemented integrated rural development programs and other government-sponsored schemes.

Other Areas

1. Training Center (Zonal level)-Worked as instructor in the center for 2 years. Training sessions conducted for officers of all levels in functional areas of banking.
2. Recovery & Rehabilitation Department (Zonal Office) - Worked as Deputy Chief officer for 4 years. Handled the NPA portfolio of the bank in all southern states.
3. As a Deputy Chief Manager (Credit) managed the corporate credit portfolio of a very large branch.



5.November 1978 to June 1979 :-Andhra Bank

Position Held: Probationary Officer

6.1976 to 1977:- Rallis India Ltd.

Position Held: Management Trainee

7.March 1976 to June 1976:-Horticultural Research Station, Yercaud, TNAU

Position Held: Research Assistant – Mixed Farming Scheme (ICAR)
COURSES / WORKSHOPS / PRESENTATIONS CONDUCTED
(in TCS)
YEAR TITLE PRESENTED TO LOCATION ORGANISED BY


1992-94 NPA Management Trainees NIBM, Pune NIBM


1997 NPA management DGMs heading SBI staff college SBI

NPA cells in Hyderabad

Various Circles

1997. Placement Interview ICFAI, Chennai ICFAI, Chennai ICFAI

rehearsal

For outgoing

Students of

ICFAI institute

2002 Evolution of Tech- ASCI, Hyderabad ASCI ASCI

nology in Banking

Chandran is a regular internal faculty for imparting training in the area of Risk Management. Besides, he is visiting faculty in various educational institutions.




PUBLICATIONS

1. Recovery of Agricultural Advances (Parts I and II) in Economic Times dated September 6 and 7, 1985.
2. Corporate Culture in Banks- Indian Scenario in Economic Times dated December 31, 1987.
3. Accounting Blues: Balance Sheets of Banks in Economic Times dated February 8, 1992.
4. How Non Performing Assets can Kill a Bank in The Hindu-Business Line dated February 17, 1994
5. NPA Reduction Approach in The Hindu-Business Line dated February 17, 1994
6. Non Performing Assets Reduction: Portfolio analysis in The Hindu-Business Line dated February 24, 1994.
7. Rehabilitation - The Weak Hospital Concept in The Hindu-Business Line dated May 4, 1994.
8. Nursing and Reduction of NPAs: A balanced view needed in The Hindu-Business Line dated May 11, 1994
9. Coming to Terms with Compromise Strategy in Financial Express dated March 5, 1995.
10. Reducing Non Performing Assets through Negotiations in Financial Express dated June 11, 1995.
11. Management of Asset Portfolio: Dealing with incipient sickness in The Hindu-Business Line, dated September 18, 1996.
12. NPA Management: Which route will it take? in The Hindu-Business Line dated October 30, 1996.
13. NPA Management: Horse sense and Hobson’s choice, The Hindu-Business Line dated February 5, 1997.
14. NPA Management – Formulating best recovery strategy, The Hindu-Business Line dated February 26, 1997.
15. Concurrent Engineering for credit dispensation, The Hindu-Business Line dated April 11, 1997.
16. Disaster Management for the NPA Spectre, The Hindu-Business Line dated December 3, 1997.
17. The Balancing Triad – NPA Management, The Hindu-Business Line dated December 4, 1997.
18. The Role of an External Consultant – NPA Management, The Hindu-Business Line dated December 5, 1997.
19. The Realm of Re-engineering in Banks, The Hindu-Business Line dated December 12, 1997.

20. The Difficult Road to Basel II, The Financial Express dated October 31, 2006