He has extensive banking experience; served Canara Bank, a leading nationalized bank, for about 24 years. While in the Bank, had a mix of rural, urban and metropolitan exposure, branch banking and administrative exposure. Has expertise in credit appraisals, recovery and legal matters. Has successfully completed the assignment of introducing the Bank’s systems and procedures in the Lakshmi Commercial Bank branches of Haryana State, taken over by Canara Bank and also setting up of two new branches of the Bank, one in Haryana State and one in Tamil Nadu State. As Head of Finance Department in two manufacturing companies in Chennai, he has handled resources planning & mobilization, accounts, statutory audit and statutory compliance. Has more than a decade of experience in the micro finance sector.
A fellow member of the Institute of Chartered Accountants of India and a Law graduate K.Raja Raman has more than 27 years of experience in NBFC's,HFC's and private sector banks in business operations and internal audit.
He has handled the concurrent audit of treasury operations of Standard Chartered Bank (Scope International) and has also handled US returns at Florida, USA.
Sivakumar is a Master of Computer Applications ,A post graduate and certified from AXELOS Global Best Practice in ITIL(f)V3 ,he is a Microsoft Certified Database Administrator and Microsoft Certified Profesional.Also attended ISO20000 training.
He has 17 years of experience in the service industry as a Head of IT that includes 12 years of experience in Microfinance domain.
He is an expert in IT Infrastructure management; ITIL/ITSM based operational efficiency drive, Project Management, Data Architect and Application Development & Deployment in IT sector.He has good track record in end to end IT project Management activities, planning, resource administration, estimation, scoping, IT risk management, business analysis.Prior to SMILE,he has worked in Health Care domain for 5 years.