1. VENKATACHAKRADHARY MUSIRIPA
Mobile: 09603454000, 08411273119 ~ E-Mail: vmusiripa@gmail.com
SENIOR LEVEL ASSIGNMENTS
Branch Banking Operations, Sales with Compliance & Marketing and Client Relationship Management
A keen planner, strategist & implementer in leading operations, devising marketing activities and accelerating the business growth
Proficient in handling all service activities, analyzing market trends & establishing healthy & prolonged business relations with clients
Profile Summary
• Over 11 years of extensive experience in:
Strategy Planning Branch Banking Operations Sales & Marketing
Wealth Management Investments & Securities Trade Finance
Business Development Retail Banking Operations Front & Back Office Operations
Forex Management Marketing / Business Development Budgeting
Client Relationship Management Training & Development Team Management
Digital Banking Transformation Oracle Flexcube Cluster Champion Mentoring Team
• Competency in managing branch banking operations by ensuring that financials of the branch are under control and branch adhering to Audit &
Compliance in all parameters, Know Your Customer (KYC) & Anti-Money Laundering (AML) norms at all times
• Pivotal in implementing strategies towards enhancing market penetration, business volumes & growth
• Demonstrated abilities in implementing various systems as per business needs (as-is & to-be analysis)
• Monitoring the overall functioning of process, identifying improvement areas and implementing adequate measures to maximize customer
satisfaction level
• Formulated sales & marketing strategies & reached out to unexplored market segments/ customer groups for business expansion in those
regions
• Experience in handling Branch Banking Operations, Cash transaction operations & Transaction Verifications & Authorizations, Account
opening, Requests processing & Trade and Forex transactions including implementing risks management policies and controlling
mechanisms, procedures & systems to detect transactions outside established parameters
• Achieved sales target and excellent audit rating for the branch compliance & service as per the regulatory guidelines of the Bank
• Effectuated business development plans for the purpose of achieving pre-designated revenue plans and equity & mutual fund investments
and management
• Expertise in using Finacle (Core Banking Software) & Flexcube & mentored the team during implementation
• Proficient in building & maintaining healthy business relations with HNI corporate & institutional clients, ensuring maximum customer
satisfaction
• Sound knowledge of implementing various systems as per business needs (as-is & to-be analysis) and reviewing processes
• An effective communicator with strong analytical & problem solving with skills in directing teams for running successful service & business
operations
Core Competencies
• Overseeing & controlling entire gamut of branch operations spanning from Cash Transactions, DD/PO, FOREX & Bank Deposits,
Inward & Outward clearing and Cash Management Service
• Evaluating information gathered from multiple sources, decomposing higher information into details, investigating key business
requirements and providing clear & concise analysis / recommendations
• Coordinating in business analysis sessions to understand client process and conducting trend analysis to understand user needs
and translating them into solutions that save time, eliminate redundancies and improve quality
• Assessing different systems, conducting gap, feasibility & risk analysis and proposing various profitable options & new systems
for the business to senior management
• Conducting SOX activity and auditing the Branch processes / documents on daily basis in coordination with Concurrent Auditors
• Coordinating with different departments such as marketing, audit, legal and IT
• Responsible for ensuring that customer avail Direct Banking Channels as primary channel, registering with various Direct
Banking Channels and providing demonstration on the usage of the same
• Handling entire banking operations and day-to-day functions such as Printing System reports, deliverables like cheque book,
ATM/Debit Card and process workflows
• Monitoring ATM like daily updating of cash position of machine and its query; handling audit & process
• Ensuring all compliance of KYC, identifying customer and communication of product eligibility
• Processing vendor payments and following up of the same
• Defining service standards and guidelines that serve as benchmark for excellent service delivery thereby contributing towards
ameliorated service revenue generation; responsible for ensuring smooth functioning of counter activities at branch

2. Flexcube Core Banking Competencies
• 12+ years of Banking & Financial Services experience in Branch Operations and implementation and promotion of Banking
Products & transforming Banking services into Digital platform applications like Mobile Banking, Chillr Application runs on IMPS
platform, Payzapp online one touch billing app, Vahan Gnan for Car & Two wheelers info, all the mentioned apps are promoted
at Branch level and giving demonstrations to customer walkins
• Promoting rigorously Digital apps to Customer and Driving Digital Saturday's by giving all Digital demonstrations to Customer
walk-in and routing all transaction through Mobile Banking & Internet Banking in IMPS, NEFT & RTGS and reduced Branch walk-
ins' by 18% comparable to last quarter .
• Worked as Deputy Branch Manager with ICICI BANK LTD & Presently working with HDFC Bank Ltd as PB Authoriser ( Asst Branch
Manager Role ) since 2012 and well versed with Oracle Flexcube & UBS (Formerly I-flex Solutions) since implementation at HDFC
Bank and contributed & Coordinated to implementing Flexcube product across HDFC Bank branches in our Cluster.
• Functional expertise in various financial Flexcube modules like CASA (customer accounts & savings accounts), FT (funds
transfer), Loans, Trade Finance, Retail teller, FD / RD Booking, and other various operations, SMS (security management system)
and Gateway interfaces.
• Good experience in Understanding and Managing Business Requirements.
• Responsible for preparing the Gap Analysis & Requirements Traceability Matrix document for Flexcube implementation at
various branches. Presenting Solution to various issues raised across the Branches .
• Followed all the Quality Related Activities and Involved in supporting various QA technical teams.
• Capable of working in-group as well as independently.
• Expert level understanding conversion/migration of data from legacy to Flexcube using oracle database tooling.
Organizational Experience
Since Feb’12 HDFC Bank Ltd., Hyderabad as Assistant Branch Manager (PB Authorizer) (Sales, Ops & Customer Service)
Role:
• Monitoring overall operations of the branch; planning and achieving set branch targets from time to time
• Overseeing large value cash transaction accounts, market enquiry, physical visits wherever required & giving necessary
instructions to cash officer / cashier
• Identifying new streams for revenue growth and developing marketing plans to build consumer preference across the assigned regions
• Defining financial objectives, preparing & implementing systems, policies & procedures for streamlining operations
• Ensuring compliance norms in Audit, SOX & 5S and assisting the same across clusters in the region and considered as Cluster
Audit Champion
• Looking after front-end operations for Savings, Current & Fixed Deposits, D-Mat, Mutual Funds, Insurance, Collection and
Remittances of Funds, Cash Management, Commercial Banking & Trade Services, Foreign Exchange Services, Asset related
Queries like Home Loan, Auto Loan and all products offered by bank
• Designing business plans & competent strategies with a view to penetrate new accounts and expand existing ones for a wide
range of financial products / services
• Monitoring sales of retail segment products such as housing loans, vehicle loans and other retail segment loans as well as
marketing for the bank’s deposit products
• Interfacing with High Net Worth clients for understanding their requirements & suggesting the most viable solution and
cultivating relations with them for customer retention & securing repeat business
• Establishing and maintaining (internal and external) programs to collect customer feedback and process measurements
(customer satisfaction surveys, mystery shopper program, internal customer satisfaction surveys, etc.)
• Handling Training Department to develop programs and provide continuing customer service training for participants based on
the scorecard requirements
Highlights:
• Instrumental in monitoring the daily productivity of the Relationship Managers, Officers and Branch Sales Manager to maximize
revenue generation through various Third Party Product (TPP) Sales & High Value Customer Acquisitions
• Developed & implemented service excellence scorecard to help Bank provide exceptional service to customers through all
distribution channels such as branch, online, telephone, loan center, etc.
• Ensured comprehensive compliance with all regulatory & statutory requirements as relevant for the branch and various
products & services are met
• Oversaw the meeting of audit norms as per the Delegated guidelines and achieved Satisfactory audit rating for 4 Years
continuously, related deliverables-internal and external as per prescribed norms

3. • Received an award for being the best in service quality in Hyderabad 2 Cluster in a short period of 3 months
• Implemented innovative business development strategies and key marketing plans resulting in an increase in customer base by 32%
in FY 2014-2015
• Effected cost rationalisation through various cost-cutting measures resulting in a reduction in the marketing and distribution
cost by almost 20% comparable to last FY 2013-2014
• Generated an Assets under Management (AUM) exceeding INR 35.00 Crores in a span of 3 Years against the GL of INR 6.25
Crores of Liability GL in 2011, from more than 1000 corporate accounts and about 300 High Net Worth Individuals (HNI’s) & Non
Resident Indians
• Accurately forecasted that earnings growth and revisions would drive investment markets for the next 2.50 Crores Market in 5
years; appropriately constructed the portfolio to take advantage of such an environment
Dec’06-Jan’12 ICICI Bank Ltd. (Branch Banking)
Growth Path:
Dec'06-Mar’07 Senior Officer – Customer Service Manager
Apr’07-Dec’10 Branch Operations Manager
Jan'10-Jan'12 Assistant Manager/Deputy Branch Manager
Role:
• Developed key relationships of NRI individuals and serviced small & medium enterprises for lending & deposits activities
• Identifying/understanding alternative investment opportunities to resist competitive environments and retain existing
customer relationships
• Mentored a team of officers for achieving branch profitability coupled with their individual professional goals
• Designing, implementing & maintaining Service Excellence Program, work with business & support unit managers to identify
service attributes that are imperative to customers
• Handled the desks of DEMAT, NRI Services, Transaction Banking and delivered customer service as per standards
Highlights:
• Maximized the revenue earnings for the bank by cross selling Investment Products, Indian Mutual Fund Products, Insurance
Solutions and other key offerings
• Steered initiatives towards achieving 100% of business targets month on month
• Pivotal in recommending bank for introducing new farmer loans directly by bank and Idea Lab for Auto verification process in
cash transactions below Rs. 50000 entered by teller and the same need to be checked by checker or verification officer, so that
it saves a time for verification
• Received appreciation & 2 Eagle Eye Award from Head Audit & Compliance for preventing Jewel Loan Fraud at Vizag Rural
Branch as a veteran Branch Operations Manager and at Kakinada branch for preventing staff fraud at Puddukottai Branch in
Tamilnadu by calling customer for cash payment confirmation.
• Instrumental in leading team for getting 5 Star Audit Rating for Kakinada Branch and got 7 Star Audit rating for Anakapalle
Branch as a Branch Operations Manager
• Worked as Jewel Loan Officer and disbursed 3 Crores of Jewel Loans during 1st
year and stood as Pan India No #1 in JL Book Size
in E Category RMAG Branches Branch & Qualified for Mauritius Trip from Bank
• Generated and closed Life Insurance Leads & stood as Pan India No #4 Branch in E RMAG Branch Category as Branch
Operations Manager
Jul’05-Dec’06 Brigade Corporation India Pvt. Ltd., Hyderabad
Growth Path:
Jun'05-May’06 Research Associate – Private Equity
Jun’06-Dec’06 Quality Control Associate – Private Equity
Role:
• Oversaw the collection of data on Private Equity & Venture Capital Firms (Asset Manager) in US, Canada, UK and other European
countries and from SEC Documents, Federal Trade Commission and US State Websites, Sedar, UKdata.com and other Reliable
Sources (Lexis Nexus, Google, Private equity online, Altassets and other Venture and Private Equity websites
• Carried out analysis of the data as per the requirements of client
• Worked on portfolio companies of the Asset Manager and fund level information i.e. Private Equity Funds & Venture Capital Funds like
Buyout, LBO, MBO, Mezzanine, Debt, Investment Areas, Sectors and Investors in which the fund is investing
• Collated details about mergers & acquisitions/new deals and processed the information
• Developed productivity & quality reports in Excel and attended weekly conference with client regarding Production, Quality and
Team Plans; drove initiative in process improvement and addressed common issues

4. • Extended information needed to Investment Bankers about companies involved in private equity & venture capital Investments
and clients based on the requirements from them
Previous Experience
Feb’04-Jul’05 Aakasam & Associates Chartered Accountants as Audit Assistant at Hyderabad
Education & Cerifications
• Bachelor of Commerce from Peoples College, Tandur ( Osmania University ) in Year 2000
• IRDA Certified
• NSDL Depository Operations
• AMFI Advisory Module
Trainings & Other Skills
• Commercial Banking and Trade Business
• Team Management and Related Skills
• Portfolio Management
• Well versed with Oracle Flexcube Banking Solutions software developed by Oracle & Finacle ( Dos & Web based software )
developed by Infosys technologies Ltd.
• Banking Digital Applications like Mobile Banking App, Chillr App, Payzapp and other Financial apps & Promotion &
Demonstrations.
Personal Details
Date of Birth: 30th
December 1979
Languages Known: English, Hindi and Telugu
Address: H.No.4-2-129/6, SLV Nilayam, Vignanapuri Colony, Tandur-501141, Hyderabad