G V S SANTOSH KUMAR

Global Accounting Services gvssantosh@gmail.com

Previous Position: Branch Manager Cell No: 7993480732
Andhra Pradesh Grameena Vikas Bank
Previous Position: Assistant Manager

Name: G.V.S.Santosh Kumar

Date of Birth: 16-06-1985
Qualification: MCA
Address: 2-28-13,MIG-2/47,Sector-6
MVP Colony,Visakhapatnam
Father Name: G.S.S.V.Subramanyeswara Rao
Occupation: Retired Branch Manager,APGVB

Experience Summary
• 10 Years of Experience in Rural Banking and Corporate Banking and Finance &
Accounting Industry.
• Mapping of Microfinance potential in the RBO and preparation of Annual Credit Plan
aligned to and sub-serving Bank’s strategies on financial inclusion and micro finance.
• Devise strategies and promote Social Security Schemes and other Govt initiatives.
• Facilitating preparation of Branch wise business plan, potential linked target setting for
Joint Liability Groups (JLGs), SHG’s credit linkages & evolve ways/ means to
implement the plan.
• Improving Bank’s share in microfinance in the District.
• Close coordination with Farmer Producer Organisations/ Farmer Producer
Cooperatives (FPO/ FPC).
• Help in formation of SHGs with/ without assistance of NGOs, opening of their SB
accounts & credit linkages.
• Building relationships/ partnerships with NGOs, MFIs & other agencies for driving
microfinance through Joint Liability Groups (JLGs) and SHG’s credit linkages.
• Engaging and building relationships with NGOs in the area and focus on social
purpose initiatives of local communities.
• Interact with the local communities and concerned govt/ non-govt agencies and devise
CSR activities centring on Healthcare & Sanitation, Education, Skills & Livelihood,
Women Empowerment, Sustainability and Environment and Rural Development.
• Communicate the impact of the Bank’s programs to the local communities.
• Organise customised training at RSETI as per requirement of NGOs operating in the
area and ensuring their credit linkage/ employment.
• Ensure that the Financial Literacy Centres (FLCs) work in close co-ordination with
NGOs & Village Panchayats.
• Gathering market information, survey of area under one’s jurisdiction and assess the
potential for activities such as dairy, poultry, plantation, fruits, vegetables, floriculture,
fishery, agri/ allied activities, rural housing, etc, (document and update at half yearly
intervals).
• Provide support in preparation of Annual Credit Plan (ACP).
• Preparation of model schemes and checklists for compilation of application/ appraisals.
• Review and revision of existing schemes and to educate/ popularize it amongst staff
and CSPs.
• Improving Bank’s share in microfinance in the District.
• Annual review of scales of finance in the area of operation.
• Sourcing & providing leads to CM (Branch Channel) in respect of new businesses such
as horticulture, floriculture, tissue culture & high value/ modern farm machinery, so as
to tap maximum potential in District.
• Canvass high value loan proposals, undertake techno-economic evaluation and
process high value proposals referred by branches.
• Interact frequently with Govt. departments related to Agri finance, NABARD, Agri
Universities/ Research centres.
• Maintain rapport with State Govt. officials from agriculture/ animal husbandry/ fisheries
& other stakeholders in the value chain.
• Maintain contacts with tractor & farm machine dealers in the area as well as at the
District Headquarter for business leads.
• Assess potential for contract farming and liaise with sugar mills, super-markets and
other stakeholders in the value chain.
• Explore possibilities for Agro Exports from the region and encourage farmers to
migrate to such cultivation practices.
• Organize marketing campaign with the help of branches/ staff/ CSPs of FI & MM
Network. Organize farmers meet.
• Maintain liaison with village authorities. Organize village meetings for expanding
Bank’s scheme for farmers and render necessary assistance/ guidance.
• Carrying out of Due diligence on credit proposals assigned
• Timely completion of Review / Renewals as Appraiser, including Credit Risk
Assessment proposals
• Securing maximum marks for the AMT in Credit Audit in Pre-Sanction
• Assisting Relationship Manager in achieving Budgeted growth in Advances for the AMT
• Assisting Relationship Manager in achieving Budgeted growth in Other Income for the
AMT
• Adhering to Turn around Time for processing New / Existing proposals
• Ensuring ABS considered for the proposals are the same as filed with ROCs
• Ensuring achievement of satisfactory RAROC (Risk adjusted Return on Capital) for
each unit in the AMT
• Tracking and monitoring important developments in the industries/activities in which
the borrowers operate/have interests.
• Creation, maintenance and updation of account profile as per the format devised by
the Relationship Manager/Branch Head/Bank.
 • Monthly updation of pricing/concession to be prepared for verification/checking by
Relationship Manager (And for submission to Concurrent Auditors).
• Credit Analyst who is a regular bank officer will perform the role of Service Officer in his
absence.
• Preparation of outstanding issues/non-compliance with the terms of sanction in pre-
sanction areas for each company and its updation, on resolution of the issues involved
• Assisting Relationship Manager in preparation of Annual Action Plan.
• Any other job/task relating to dispensation or administration of credit or any other
specific task of any nature arising out of business or administrative exigencies or even
otherwise under instructions of Chief Manager/Relationship Manager/Branch Head.

Technical Expertise:
Elements
Primary Skills
Operating Systems
Languages
Development Tools
Scripts
Databases
Domain Knowledge
Client / Server Technologies
Content Repositories
Particulars
Java/J2EE; JSF ;Prime faces ;Oracle
(SQL/PLSQL – Writing stored procedures,
packages, Triggers, tuning queries and using
collections)
Windows 9x/NT/2000
C,C++,Java /J2EE ; SQL ;PL/SQL
Eclipse, RAD, Net beans, TOAD,RPA Tool
Java script, VB Script
Oracle 10g,11g
Application Services ,Transportation
Java/J2EE; JSF; Prime faces
FILENET and ECM – Enterprise Content Mgmt

Experience Details:

S.No Name of Organisation Designation Joining Date Reliving Date

1 APGVB Asst.Manager Oct-2013 Aug-2016
2 GlobalAccounting Branch Manager Jun-2008 Sep-2013
Services
Qualification Details:

S.No Name of Degree Year of Name of Name of the Percentage/

Passing College/Institution University CGPA Grade
1 SSC MARCH- VIJANANA SECONDARY 75.01
2000 BHARATHI BOARD
2 INTER MARCH- KAVITHA INTERMEDIA 69.07
2002 COLLEGE TE BOARD
3 B.Sc(Chemistry) APRIL-2005 AGLM COLLEGE ANDHRA 63.09
UNIVERSITY
4 MCA MAY-2008 GAYATRI VIDYA ANDHRA 66.66
PARISHAD UNIVERSITY

I here by declare that all the above information is true and

correct as per the best of my knowledge and belief.

G.V.S.SANTOSH KUMAR