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Classes offered by Chandran
  • Individual
The classes will be held
Taught subjects
  • Economics
  • Business Studies
  • Management
  • Finance
  • Financial management
  • Business Analysis
Levels
  • Primary School
  • Middle School
  • Class 10
  • Higher Secondary School
  • Class 12
  • BTech
  • Adult education
  • Undergraduate
  • Masters
  • Postgraduate Diploma
  • Doctorate
  • Other
  • Graduate Diploma in Law
  • Bar Professional Training Course
  • Qualified Lawyer Transfer Scheme
  • MBA
  • Early childhood education

Economics, Management Science and Business Economics are indispensable subjects for upcoming professionals.

Methodology

My training methods mainly include the following:
I. Class Room Lecture using Powerpoints – 20%
II. Multimedia Presentations – 15%
III. Group Discussions (Case Studies) – 15%
IV. Brain Storming – 15%
V. Consensus Building – 20%
VI. Summary and Conclusion – 10%
VII. Feedback – 5%

Background

I hold a master’s degree in Agricultural Economics and a PG degree in Bank Management from NIBM, Pune, India. I have in all 39 plus years of experience as a banker and consultant to banks globally. I am an innovative result-proven professional with significant experience, advising banks in areas of retail and corporate banking in general and Risk Management in particular. I have expertise in configuring business architecture and risk management solutions for banks globally in the context of emerging and evolving regulatory environment. I was a trainer in the Bank's (Bank of India - where I worked) Training center and I was a Trainers' trainer in Tata Consultancy Services (TCS) where I served in the second half of my job trajectory. I was a visiting faculty in leading management institutes. I trained over 850 Business Analysts when I was heading the Global Risk Practice in TCS. My areas of specialization also include Portfolio Management, Market, Credit and Operational Risk Management, Micro and Macro Economics, all aspects of Banking, Statistical Methods, Econometrics, forecasting, Balanced Scorecard, Activity Based Costing, General Finance Management and Artificial Intelligence methodologies.

Rates

Rate for online classes : ₹1,000/hr
Rate for 5 hours of classes : ₹5,000
Rate for 10 hours of classes : ₹10,000
Classes offered by Chandran
Individual
The classes will be held
at your home
Taught subjects
  • Economics
  • Business Studies
  • Management
  • Finance
  • Financial management
  • Business Analysis
Levels
  • Primary School
  • Middle School
  • Class 10
  • Higher Secondary School
  • Class 12
  • BTech
  • Adult education
  • Undergraduate
  • Masters
  • Postgraduate Diploma
  • Doctorate
  • Other
  • Graduate Diploma in Law
  • Bar Professional Training Course
  • Qualified Lawyer Transfer Scheme
  • MBA
  • Early childhood education

Chandran's CV

Sankaranarayanan Chandran ( S.Chandran) Old Number 19-20-21,
New Number 8-10-12
Balakrishna Road,
F3, Madhuram Apartments,
Mylapore
Chennai – 600 004, India
Phone: 91 (concealed information);
91 (concealed information)

Mail Id: (concealed information)
(concealed information)

A. PROFESSIONAL EXPERIENCE


I. Professional Experience (Recent Past – 2012 onwards):


1. From 2017 onwards (current): Functioning as an Advisor to Ondot Systems, California, US; D K M Advisory Services and Finance Career Academy, Chennai

2. From May 2012 to December 2017: Principal Consultant (Risk Management – Banking and Financial Services – RISK Shield. UAE.)

Functioned as the Principal consultant to banks in Middle-east, Far-east, Africa and Europe in the area of General Bank Management Consulting (Strategy, Structure and Systems) and Risk Management in Banking and Financial Services in particular.


II. Tata Consultancy Services Limited (TCS) – from May 1996 to April 2012 (retirement) ( 16 years)


a. As Management Consultant – May 1996 to March 2000

 Led project teams for formulating strategies, evolving organizational structure and systems for banks in India;
 Led teams for evaluation of technology transfer (to India) projects for investment under the auspices of UNIDO/CII;
 Conducted Policy and Regulatory related studies for the Planning Commission in regard to Agricultural Commodity trade;
 Held diagnostic studies of Non-performing Assets (NPAs) for Indian Banks;
 Conducted Agricultural Man-power assessment and effected forecast for the State Government;
 Held profitability and cost studies, applying Activity Based Costing, for manufacturing and banking sectors
 Led Financial Inclusion Programs in the Banking sector in the software implementation process

b. As Global Head of Risk Management Practice under Banking and Financial Services – from 2000 till April 2012

Scouted markets, Made client presentations, Supported Pre-sale process, Implemented, directed and oversaw the following for Indian and Overseas (global – US, UK, European and Asian Banks) banks:

 ALM solutions, ALCO support, Limit fixing and monitoring and Liquidity Management (as per Basel Directives)
 Market, Credit and Operational Risk solutions
 Enterprise-wide Integrated Risk Management (EWIRM) Roadmap, Business Architecture and solutions
 Basel III Roadmap, IT Strategy and Application selection for Basel III
 Data warehouse for Credit Risk and Basel III Capital calculation
 Data Management for supporting Pillars 1, 2 and 3, ICAAP and RWA calculation in accordance with Basel II and III and also reckoning Dodd-Frank Act requirements
 Risk Appetite setting, Monitoring and Performance Integration
 PD and LGD Modeling, VaR Calculations and Operational Risk Metrics/Analytics
 Integrated MIS and Consolidation of Compliance reporting and Governance Monitoring
 SPECIALISATION – MODELING, AI

III. Bank of India – June 1979 to September 1995 (16+ years)


Essential experience gained and contribution made:

 Bank level planning of credit portfolio and preparing performance and forecast notes to the Board
 Retail and corporate lending – credit appraisal and administration
 Active participation in priority sector and rural credit and also Government sponsored poverty alleviation programs, including financial inclusion. Experience based presentation on Integrated Rural Development Program (IRDP) at the National convention organized by the Finance Ministry of India drew appreciation.
 Studied Non-performing Assets (NPAs) of the Bank as part of a live study under the post graduate program as preferred and sponsored by the Bank Management, submitted a thesis to the top management and implemented the recommendations across zones; functioned as an internal consultant to the various Zonal Managers of the Bank in management of NPAs; published articles highlighting the interplay of theory and practice; invited by the State Bank of India, later while in TCS, to address their Dy GMs on the subject (theory and practice)
 Instructor in the training center – handled various aspects of banking
 Branch level banking experience in rural, urban and metro branches

IV. Other Tenures of Shorter Duration ( aggregating to 31 months)

i. Freelance Consultant for a UK Based Consultancy Group: March 1996 to April 1996 (2 months)
For performing aTechno-economic feasibility study for establishing a Credit Bureau in India meant for performing individual credit rating

ii. Ashok Leyland Finance Ltd.: Oct 1995 to Feb 1996 (5 months)

Position held: Deputy General 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.

iii. Andhra Bank: Probationary Officer: November 1978 to June 1979 (7 months)

iv. Rallis India Limited: June 1976 to August 1977 – Management Trainee (14 months)

v. Horticultural Research Station, Tamilnadu Agricultural University, Yercaud: March 1976 to June 1976 – Research Assistant (3 months)


B. CAPABILITIES AND EXPERTISE
Strategic Banking and Financial Services Risk Management Consultant
I. Areas of Expertise and Experience (Banking, Credit and Risk Management):

 Banking and Risk Management Consulting (Basel II and III, ERM, Governance, Risk and Compliance) – covering risk strategy, risk identification, risk business architecture, appetite setting, measurement, monitoring and mitigation; ERM specification, drawing of RFP for solution vendors and selection of appropriate risk solution for the banks
 Risk Product Development, Statistical Risk Modeling & Validation and Solution Implementation
 Risk (Basel II and Basel III) solution implementation for capital calculation
 Assisting Bank Managements in optimizing Risk Strategy, Processes, Structure, Systems and Operational Aspects in addition to Profitability, Cost Management and Integrating Risk and Performance
 Imparting training in Risk Management to Bank Officers – Basic and Advanced
 Project Management – Risk Project Implementation
 Risk related Research and Training; building teams for deployment
 Client Management
 Change Agent, Team Leadership and Oversight
Innovative result-proven professional with significant experience, advising banks in areas of retail and corporate banking in general and Risk Management in particular. Expertise in configuring business architecture and risk management solutions for banks globally in the context of emerging and evolving regulatory environment and advising banks in profitability and cost management and strategic up-gradation of risk practices and processes encompassing risk appetite determination, risk measurements including statistical model applications, risk mitigation, reporting and compliance. Powerful Change Agent, adept in “Risk and Performance Measurement Integration”. Effective leader in change management and training.


C. Educational Background and Experience in Brief

Education:

Year/ Degree/ Key Subjects/Institute/University

1991 PGDBM, Bank Management, National Institute of Bank Management (NIBM), Pune

1990 CAIIB, Banking, Indian Institute of Bankers, Bombay (Mumbai)

1975 M.Sc., Agricultural Economics,Tamilnadu Agricultural University, Coimbatore, India

1973 B.Sc. Agriculture, TNAU, Coimbatore, India

Overall Experience:
Chandran holds a master’s degree in Agricultural Economics and a PG degree in Bank Management from NIBM, Pune, India. He has in all 39 plus years of experience as a banker and consultant to banks globally. He had a 16+ year stint in the Bank of India before he opted for a consulting career in Tata Consultancy Services Limited (TCS). His second stint at TCS spanned 16 years.
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 Program (IRDP) and other Government sponsored poverty alleviation programs. He has acquired specialization in credit management, with special emphasis on priority sector lending (micro credit), Financial Inclusion, trade finance and corporate credit. He was instrumental in introducing and adopting several novel methods pertaining to Non-performing Assets (NPA) management in the bank. He has also specialized in Process Reengineering, Total Quality Management and Competitive Strategy Formulation in banking and non-bank financial sectors.
As a management consultant with TCS, he worked on banking/finance-related assignments in different areas such as organizational restructuring, credit management, Asset/Liability Management, project financial appraisals, etc.
He instituted the “Risk Management” practice as part of Banking and Financial Services in TCS and headed the same from 2000 till his retirement in April 2012. He was the in-house Project lead for the Activity Based Management software, Asset/Liability Management software, Enterprise-wide MIS solution and Credit Risk Model for measuring “Probability of Default”. During his tenure as the head of risk practice, he directed risk solution implementations across leading banks globally and provided consulting support to banks in formulating and streamlining risk management strategy, structure, systems and compliance practices.
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 and risk management and corporate culture in banks.


V. Other Information:

He is conversant with quantitative methodologies and has proficiency in analyzing complex problems employing operations research methodologies, Analytic Hierarchy Process, Mutivariate Statistical Analysis and application of methods in Analytics and Artificial Intelligence. He was a visiting faculty in leading management institutes and banks. He functioned as official guide to MBA students. When solicited, tendered viewpoints on emerging economic and business trends to business dailies.



VI. Relevant 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?, 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 Specter, 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.
21. Managing Risk and Performance, The Hindu-Business Line November 19, 2009.
----------------

CURRICULUM VITAE – S.CHANDRAN

(Address and Contact Numbers: Old Number 19-20-21, New Number 8-10-12, F3 Madhuram Apartments, Balakrishnan Road, Mylapore, Chennai, Tamilnadu, India, PIN 600004;, 91 (concealed information), 91 (concealed information), 91 (concealed information))

Name: S. Chandran

In TCS during last 12 years:
Role played during the past 12 years as Head of Risk Management Sub-practice under Banking and Financial Services vertical

Successfully established a Global Risk Management Practice with 250+ highly skilled associates in a short span of 18-24 months- spanning Western Europe, Northern America, APAC and Australia. He facilitated deployment of trained associates in major banks in these regions.

He was instrumental in positioning TCS Risk Practice as a thought leader in the high end risk space. In a recent Tower Group report TCS' Governance, Risk and Compliance (GRC) and Enterprise-wide Risk Management (ERM) Framework has been positioned in the leader’s quadrant.

He engineered and developed, in association with four core team members, Market Risk Consulting Framework, Credit and Operational Risk Implementation Frameworks and ERM Reference Application and Business Architecture for Basel II and Basel III.

He played a key role in achieving significant market presence across the globe - US, APAC, Europe, MEA in cutting edge risk space.

Have done several consulting engagements on Enterprise Risk Management & Governance-Risk-Compliance space for various banking clients

Authored & Guided creation of several white-papers on risk management topics including on "Non Performance Assets Management", “Market Risk Framework”, “ Basel II Business Architecture” and “ Credit Risk Model Framework for PD calculation under Basel II regime”. He developed a Balanced Scorecard template for following up and Management of Non-performing Assets.

He was the Lead development of state-of-the-art "Probability of default" model using Answer Tree, Random Forest and Support Vector Machine techniques (SVM) – relevant to IRB approach under Basel II.

Active participant in various academia-business interface programs, guiding youth on multidimensional facets of business opportunities.

Built solutions for asset liability management related specific requirements

Carried out research in the area of risk measurement metrics in the area of Market, Credit and Operational Risk Management

Conducted on-going training programs on risk management and Basel II across different geographies as part of developing techno-functional resources for deployment in various engagements. As a faculty conducted several Learning and Development programs

As part of the team, discharging "Corporate Social Responsibility", trained 12th Standard School students from various schools in the area of Ethics, Personal Grooming and General etiquettes.


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 organization and several overseas financial institutions.

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 rationalization 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 the lead 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 pre-sales 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

1. M.Sc: “A Study on Market, Market Structure and Marketing of Small Onion in Dindigul Agricultural Division of Madurai District, Tamil Nadu” (1975)

2. PGDBM: “A Study of Non Performing Assets of Bank of India” (1991)

Brief Experience Summary

1. May 1996 to April 2012: Tata Consultancy Service Limited, Senior Consultant, (Experience details given in the annexure)

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 : Deputy General 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)
Planning and Development Division (Head Quarters)-
Work Experience : Detailed in the annexure
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)

Chandran is a regular faculty for imparting training in the area of Credit and Risk Management in banks. Besides, he is visiting faculty in various educational institutions such as various Public Sector Banks, NIBM, IIM, etc.

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

21. Managing Risk and Performance, The Hindu Business Line dated 19 November 2009

---------------------------------------------------------------------------------


Annexure

(Part II )

Detailed Information on Past Experience


1. May 1996 to April 2012:Tata Consultancy Services Limited, Chennai

1.1.
TITLE : Organizational Restructuring of Indian Bank, Chennai

PERIOD : July –September 1996

POSITION : Team Leader

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 the team leader I undertook the Organizational Restructuring module, along with team-members and carried out 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 Activity Based Management software which can be used for costing and pricing products and services.



1.9.
TITLE : Regional EDP package for a Bank. Rationalization of Returns and development of comprehensive MIS
PERIOD : Oct 2000 to April 2001 (ongoing)
POSITION : Project Manager
RESPONSIBILITIES : This project covered the following:
• Rationalization 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
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 – March 2005
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 - 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 – December 2006
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– December 2006
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 – Jan – Dec 2006
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 – Jan – 2006 Dec.
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 – Jan – Dec 2006
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 – Jan – June 2007
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 : 2007 – Jan – Dec 2007
POSITION : Project Director – Risk Domain
RESPONSIBILITIES : Domain support and direction for implementation

2008-2012: As Head of Risk Management Practice under BFS vertical, have been directing and overseeing multiple risk projects across geographies in various banks. The role includes directing pre-sales, proposal response, solution configuration, client presentation and interaction and delivery support from practice. Besides, responsibilities include resource build-up, training, trends transmission across geographies, etc.

(Before TCS))

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)-
A. Macro planning of agricultural lending portfolio, monitoring and reporting to bodies such as the bank’s board, RBI, Ministry of Finance, etc.
B. Revising the interest rate structure from time to time in accordance with the broad framework given by RBI.
C. 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.
D. Large project appraisals under Priority Sector
E. 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.
F. Coordinating with Banking Services Recruitment Board for organizing the recruitment program and determining recruitment parameters.

Front-line (Branch Level)-
A. 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
A. 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.
B. Recovery & Rehabilitation Department (Zonal Office) - Worked as Deputy Chief officer for 4 years. Handled the NPA portfolio of the bank in all southern states.
C. 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)

MAJOR COURSES / WORKSHOPS / PRESENTATIONS CONDUCTED
(While in Bank of India and TCS)


YEAR TITLE PRESENTED TO LOCATION ORGANISED BY

1983 All India Seminar on Integrated Rural Development Presented a paper on Progress of IRDP in India: Bankers’ Perspective Gokale Institute, Pune Finance Ministry, Government of India
1992-94 NPA Management Bankers NIBM, Pune NIBM
1997 NPA Management DGMs heading NPA cells in various circles SBI Staff College, Hyderabad SBI
1997 Placement Interview rehearsal for outgoing students of ICFAI, Chennai ICFAI Students ICFAI, Chennai ICFAI
2002 Evolution of Technology in Banking CIO Trainees at ASCI, Hyderabad ASCI, Hyderabad ASCI
2002 Activity Based Costing, Economic Value Add AGMs of Syndicate Bank IIM, Bangalore IIM, Bangalore
2009-11 Basel II & III
(several sessions) BRMs of TCS across the Globe Webex Seminar TCS, Learning and Development wing


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

8 reviews on Chandran
  • 5/5

All our ratings are collected by us and are given in confidence, they correspond to a real experience.
A
Ashwith

Perfect! brilliant teaching, very experienced professor

Chandran's response

Committed Student. He picked up key points in the subject very quickly. Adhered to the time schedule diligently and steadfastly. It was a pleasure teaching him.

7 recommendations

J
Jayanthi

Chandran is an ocean of knowledge on the subject of banking, risk management, economics and also statistics. He explains everything in a very clear manner with practical examples and case studies.

P
Pooja

I have known Mr Chandran for 2 decades now. He has an immense reservoir of knowledge which many people have benefitted from and will continue to benefit in future. He is most updated on latest concepts and has the unique position of knowing both past and present concepts. His patience in explaining difficult concepts make him an ideal guide, mentor, teacher. Students are lucky to have him as their professor

R
RA

Chandran was regarded as a Risk Management Guru in TCS. He updates himself regularly with the developments in Banking Risk Management and world economy. His analytical as well as teaching skills are extraordinary. Is a well read person and highly philosophical too. Definitely a great asset for any institution.

B
Baskaran

I have worked very closely with Mr.Chandran for 5 years on many projects. During that period he has been my mentor not only on subjects like Economics, Statistics and Risk Management but also on life. He is one person who truly knows the practical implementation of Statistics in Risk Management. You may have seen models created by unknown people but I have seen him create a statistical risk model that works even today and has been implemented in banks successfully. His understanding of theory and practice is excellent. Rural development, Rural Banking and Agriculture in India are interlinked. Mr.Chandran has worked extensively in this area and has vast knowledge in that area.We are lucky that such people are ready to share their knowledge with us today.

S
SatyaNarayan

Teaching comes naturally to Chandran. Being meritorious in academics and a prolific reader, he has deep insight into subjects. Adding to that, he has extensive on the job experience and expertise which makes him a wonderful teacher. He is an effective communicator and lucidy in expression making him an ideal teacher.

R
Ramkumar

Chandran is very proficient in his subject with well rounded experience.Students will surely benefit from his classes.

A
AN

Mr Chandran is known to me for the past 18 years. He is a well accomplished, highly qualified person. Possesses excellent experience in his domain. He is a great thinker and philosopher and has been highly successful in teaching and training sessions to students, employees or various organizations. I strongly recommend him.

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