SIDDARTH KUMAR

FUNCTIONAL CONSULTANT & SME IN T24 RETAIL & AA

Flat No.S-2 Sri Balaji Apartments, Rajiv Gandhi Nagar 7th Street, Nanmangalam (Kovilambakkam), Chennai
Mob: +91-9003073470; Email: sidrao1207@gmail.com
JOB OBJECTIVE

Seeking assignments in Business Banking Operations/Subject Matter Expert /Team

Management /High end Customer Service/ Client servicing with an organization of repute in the
Banking and Financial Sector

PROFESSIONAL PROFILE:

Astute result oriented professional with distinguished track record of 8+years in Banking Retail and Core
Operations and 6+ years in IT sector as Business Analyst and SME. Currently associated with CapGemini
India Pvt Limited as Lead Consultant and Subject Matter Expert in Retail and Core Banking, Cash
Management Collections and Temenos T24 Product. Expertise in understanding Business Process
requirements and mapping them to system requirement.

SKILL SET

Exceptional interpersonal, communication and organizational skills with demonstrated abilities in training,
team building and driving front liners
Excellent relationship management skills with the ability to relate to people at any level of business and
management across diverse industry verticals
Thorough understanding with expertise in mapping client / business requirements, and support
throughout application design, development, integration, testing and troubleshooting for complex
information systems management
Excellent proven record of building and maintaining good relationship with Clients

ACADEMIC CREDENTIALS
Masters in Banking and Finance from Alagappa University, Karaikkudi, Tamilnadu with 62%.

Bachelor of Commerce from Bharathidasan University, Trichy, Tamilnadu with 71%.

Achievements:

Silver Certification from Temenos Certified Consultants Program (TCCP) with proficiency in Limits, LD, T24
Arrangement Architecture Lending and Deposits, MM, PD, Collateral, Customer, Accounts, Cheque Issuance
and Collection, and Data Capture
Successful completion of Managers Program and Test at ICICI Bank
College President for Rotary Club, International and participated in Rural Development Programs
Undergone SPANISH Language First and Second Level Training

CORE COMPETENCIES

IT SKILLS

Operating Systems : Windows NT, Windows 9x, XP, 2000

Programming Languages : SQL (working knowledge)
Packages : MS Word, Excel, PowerPoint
Banking Applications : Infrasoft (Infrasoft Technologies), Finacle, Kapiti, cash@will

AREAS OF EXPERTISE

Strong functional knowledge in retail banking, corporate banking, loans etc.

Understanding of SDLC, STLC
Understanding & mapping clients requirements / enhancements to the product and providing solutions
Serving as Single Point of Contact / for supporting client for functional area
Preparing business requirements documents (BRDs), defining project plans, writing Functional
specifications, and delivering project/ status reports
Preparation of FSD, Coordinating with Technical team, System testing,
Identifying and Understanding Business Issues and Defining Problem Statement
Providing post-implementation support
Working experience as user in T24, Infrasoft (Infrasoft Technologies), Finacle, Kapiti, cash@will
ORGANISATIONAL EXPERIENCE

Currently working for CAPGEMINI India Private Limited

Duration : Feb 2014 to till date
Position : Lead Consultant

T24 Practice Team

Project: Jordan Ahli Bank, Jordan T24 Implementation Project Project Lead
and Functional Expert Retail and T24 Arrangement Architecture Lending

High level analysis of the requirements to identify fits/unfits and preparation of GAP document
Preparation of Functional Specification based on the feasibility analysis
Providing Test Cases based on the Functional Specification Document
Providing Functional and T24 Arrangement Architecture Lending guidance
Reviewing Functional Documents written for other Projects
Building Knowledge Repository of Retail Module Test Scenarios and Test Cases
Providing Estimates for development of Requirements given by the Clients across various Projects

Project: Bank Of Tokyo-Mitsubishi UFJ T24 Implementation Project Project

Lead and Functional Expert Retail and Core Banking

Handling Change Management activities

Reviewing CR documents and identifying Gaps
Providing T24 system solutions and supporting the Delivery in coordination with Development team
Developed full functional specification for Loan Origination System (LOS)

Project: OFSAA (Oracle Financial Services Analytical Applications) and T24

Integration for Reporting

Analysis of Retail and Corporate Module functionality of OFSAA system

Deriving common fields and functionality of T24 Product with OFSAA
Development of dashboards based on the Data available in T24 for the fields of OFSAA

Company : Polaris Financial Technology Pvt Ltd.

Duration : Feb 2012 to Jan 2014
Position : Senior Business/Functional Consultant

Project: Alinma Bank, Riyadh, Saudi Arabia Temenos T24 Upgrade Project
SME Retail Banking and Product T24 Retail Modules

Leading a Team of 25 Test Engineers onsite at clients location

Leading group of consultants in Interviewing Client Employees, Management Team and Other
Stakeholders to gather Requirements
Providing T24 Product support and training to the team
Preparation of Business Scenarios for T24 Retail modules with Retail Banking and Temenos T24
Expertise
Reviewing Test Scenarios and Test Cases prepared for the Upgrade from R8 to R11 Release
Interacting with Client IT development team on the correctness of the Test Cases / Scenarios
Interacting with Client on the Progress of Testing and Environment related issues
Preparation of Reports for Top Management and Quality Team

Project : MPX (Master Process Exchange)

Process Manager for development of a new BPM tool

Handling 6 Business Analysts and guide the team to excel.
Conduct Demo to internal and external customers
Co-coordinating with marketing guys for GTM Strategy
Preparation of Proposal and Efforts Estimation based on high level solution agreed with customer
Co-ordinate with technical and business teams to define functional and non-functional requirements
Preparation of BPM and functional level architecture for Intellect suite of Product.
Prioritize and execute the tasks based on the overall plan
Coordinate with Business team for L0, L1, L2 preparation for the List of Business(Core, Retail,
Corporate and Investment Banking)
Centre of Excellence Report : Retail Banking Practice

Research Experience: Retail Banking Growth over the past years worldwide
Cards domination in the Market
Mobile and Apps domination
Percentage of Increase in the Credit offtake - Retail Lending
Business Process Management Tools in the Market

Publications: Current Market Trends on Retail Lending

Current Market Trends on Mobile Banking
Fliers and Brochures on Polaris capabilities in the Retail Banking Vertical

Presentations: Presented the findings and the PPTs to various Regions Sales personnel
Presented the PPT on Retail Lending to the Clients

Recognition: Good feedback from the Clients and Regional offices

PPTs showcased to the Clients during Business capturing

Contributing to COE (Centre of Excellence) for Retail Lending.

Preparing Retail Lending capabilities document.
Conducting Training sessions on Retail Lending.

Company : Temenos India Pvt Ltd.

Duration : Jun 2008 to Jan 2012
Position : Business/Functional Consultant
Modules Proficiency: Customer, Accounts, Loans & Deposits, Money Market, Past Dues, Collateral,
Limits, Arrangement Architecture AA Loans and Deposits

Project: Model Bank Development and Subject Matter Expert - Jul2011 to

Jan2012 - T24 Arrangement Architecture Lending and Deposits

Requirement Gathering from Pre-sales and onsite Team at Canada, China and Europe
Feasibility Analysis and Systems Study on the Requirements.
Testing the Requirements to ensure the Product Fitment.
Recommending for System Amendment Request (SAR) as applicable.
Analyzing the Country-specific changes with respect to Regulations and Compliance.

Project: Banco Poplular, San Jose, Costa Rica - Aug2010 to Jun2011

Functional Lead Retail and T24 Arrangement Architecture Lending

End to End Onsite Support at the Clients Place for Lending Product Arrangement Architecture
Requirements.
Handled Requirement gathering for Lending Products, Core Banking functionalities including Reports
designing with relevant field level mapping
High level analysis of the requirements to identify fits/unfits and preparation of GAP document.
Preparation of Functional Specification based on the feasibility analysis.
Leading group of Technical Consultants in Interviewing Client Employees, Management Team and
Other Stakeholders
Provided expert advice to the Client on the T24 Product along with regular Presentation sessions.
Preparing Functional Test cases and Test Scenarios and Prioritize and execute the tasks based on the
overall plan.
Ensuring Offshore Testing by the Q&A Team for all the Developments.
Handled Change Management for the Project.
Direct support to Client during UAT phase of the Project.
Responsible for smooth flow and timely resolution of Change and Incident Management phase of the
Project.
Managed a team of 15 members belonging to onsite and offsite resources.

Project: Honda Bank, Frankfurt, Germany - Aug2009 to Jul2010 Functional

Lead & Product Expert - T24 Arrangement Architecture Lending

Requirement Gathering for Lending Product of the Bank. Organized Workshop at Clients Place and
Presented the Features of Arrangement Architecture, (AA) Lending Product.
Interact with clients to understand their business requirements.
Document the Business Requirements, User Manuals.
Presenting Findings and Recommendations to Clients
 Work closely with development teams to transfer the business knowledge & provide guidance from a
functional perspective.
Provide domain thought leadership.
As a Functional Consultant, responsibly managing various aspects of T24 Functional Support.
Written/Reviewed Functional Specification for the requirement after testing the feasibility of the Clients
Lending Requirements.
Handled Incident and Change Management process.
Handled UAT phase of the Project.
Provided solutions for some of the complex requirements of the Client.

Project: Queensland Trading Corporation (QTC), Australia - Sep2008 to

Jun2009 Functional Lead

Acting as a Subject Matter Expert in Core Banking, Retail Lending and Balance Reporting Applications.
SME for Product enhancements with Global Standards.
Preparation of SAR (System Amendment Request) Document.
Preparing Functional Test cases and Test Scenarios.
Suggested system improvements and screen changes to make the application user-friendly.

Banking Career Path;

Jul1999 to Apr2005 : The South Indian Coop. Bank Ltd. (Taken over by Saraswat Bank,
Mumbai as Officer
May2005 to Nov2007 : IndusInd Bank Ltd. as Assistant Manager

Nov2007 to Jun2008 : ICICI Bank Ltd. as Assistant Manager-II

FUNCTIONAL EXPERIENCE

Organisation : ICICI Bank Ltd.

Duration : Nov 2007 to Jun 2008
Position : Assistant Manager II
Reported to the Senior Regional Head Retail and Corporate Banking

KYC Document Verification and Authorization for:

Partnership Accounts
Private and Public Limited Companies
Sole Proprietorship Accounts
Portfolio Management Services
Web Trade Accounts
Corporate Clients Signature Addition / Deletion / Modification

Team Management and Process Enhancement:

Managed a 15 members Team in Chennai and Mumbai

Involved in Process Enhancement by defining Process Manuals for Centralized Operations
Functions.
Ensured the timely approval of Account Opening Applications

Organisation : IndusInd Bank

Duration : Jun 2005 to Oct 2007
Position : Assistant Manager

Reported to Vice President and Joint Managing Director

Cash Management Services Collection and Payments:

Coordinating and supervising 240 branches spread across India for various bank activities relating to
Cash Management System.

Generating MIS reports for top management to help in decision-making.

Monitoring Product Wise, Location Wise Daily Deposits.

Forecasting Charges and Trend Analysis.

Managing New Correspondent Bank Branch tie-ups for collection facilities.

 Provided guidelines and specifications for the IT function to develop application for management of the
Bank.

Handling a Team of 25 Supervisors, Credit and Banking all over India and 5 member Team in Chennai

Core member of the team involved in the preparation of Process Manual and System for Cash
Management / Personal Loan.

Communicate clear information to the clients in case of queries, which helps to build a good rapport.

Organisation : The South India Coop. Bank Ltd., Mumbai (Taken over by
Saraswat Bank)
Duration : Jul 1999 to May 2005
Position : Officer

Reported to the Senior Manager and General Manager

Retail Banking:

Processing Personal Loan, Home Loan, Business Loans and Loans against Insurance Policies and NSCs
for approval by the Loan Sub-committee.

Handled front-end operations, Savings, Current & Fixed Deposits, involved in Cash Management for
branch as well as extending priority banking services.

Handled credit proposals & scrutinizing relevant documents before sanctioning / disbursing the credit,
ensuring compliance with organizational credit policies.

Handled NPA management, monitoring and mentoring.

Reconciliation of Inter-branch Accounts.

Corporate Banking:

Overdrafts Loan Management

Handled Working Capital Term Loan

Handled Bill Discounting process

Software Transformation:

Part of the team involved to support the IT during the Software Transformation process (from Kapiti to
Infrasoft)

Data migrated from legacy software packages of the bank to Infrasoft

Trained end-users of Core banking application.

Head Office Operations:

Classification of locations based on the Risk guidelines given by RBI (RBIA norms).

Classification of NPA as per RBI Guidelines into categories of Standard Loans, Sub-Standard Loans and
Loss Assets.

Calculation of Depreciation on Fixed Assets as per RBI Guidelines and ensuring that the same is
adhered to.

Maintaining and Monitoring Investment Portfolio.

PERSONAL DETAILS
Mobile : +919003073470
Date of Birth : 12 July, 1978
Passport Number : K1040592
Linguistic Proficiency : English, Tamil, Hindi, Kannad, Marathi and Spanish (Level 1 completed)
Rfrences : Upon request
I here by declare that all the information given above are true and correct to the best of my knowledge.

Place: Chennai

(L.V. Siddarth Kumar)