Our Team

Balachandran Muthusamy, has been a career banker for 37 years. He worked in India and abroad for over 33 years in Bank of Baroda, lastly as Chief Executive for the bank’s American operations at New York.

Thereafter, he headed Bank of India and superannuated as its Chairman and Managing Director in 2007 and subsequently Institute of Banking Personnel Selection and retired in 2012. He specialised in Agriculture and SME, Corporate and International Banking and Human Resource Management.

He was instrumental in founding the Star Union Dai Ichi Life Insurance Co., a joint venture between Bank of India, Union Bank and Dai Ichi life insurance Co of Japan and was its founder Chairman for 3 years till 2011.

He was also ex-officio Chairman of - BOI Shareholding Co. and Bank of Baroda (Guyana) Inc. (South America) and Director on the boards of Indo Zambia Bank Ltd., Nabard Consultancy Services and Agricultural Finance Corporation Ltd., Small Industries Development Bank of India (SIDBI). He conceptualised and founded "Abhay" BOI sponsored Credit counselling Centre, the first of its kind in the country.

During his tenure, BOI expanded its overseas network by adding Beijing and upgrading Schenzen branches in China, Antwerp in Belgium, acquired majority stake in Bank Swadesi in Indonezia and secured licenses for subsidiaries in Tanzania and South Africa.

He was on the special committee set up by Govt. of India for making Mumbai as International Financial Centre, member of High Power Advisory Committee of SEBI on Consents and Compounding., and member of R&D Advisory committee of National Housing Bank (NHB). He was also on the Boards of Chartered Financial Management Ltd. as Independent Director and PNB MetLife Insurance as Nominee Director of Punjab National Bank.

Other committees where Mr. Balachandran was associated are - Chairman, Committee for Review of Depositories System in India (SEBI); Chairman, Expert Group for Merger of Urban Co-op. Banks (RBI); Trustee, DHAN Foundation, Member of External Advisory Committee of RBI for screening of applications for Small Finance Banks.

Mr. Balachandran has actively participated in several National and International seminars and conferences as speaker and panelist.

Born in 1947, he is a Post Graduate in Agricultural Sciences and Certified Associate (I) of Indian Institute of Bankers and lives in Chennai.

Mr. Y. Meera Reddy is an entrepreneur turned Industrialist hailing from Nellore of Andhra Pradesh and settled at Chennai. An Engineer by qualification of B.E. (Civil & Structural Engineering) with P.G. Diploma in Imports & Exports of the DGFT With a desire for entrepreneurship, he floated “Scanet Exports” in 1994. The company has now experience of over 30 years ,specialises in export of live fish and lobsters to South East Asian Countries. The company has received awards for this achievement consecutively for 15 years from MPEDA of the Ministry of Commerce, Govt.Of India. With an eye on diversification, moved to construction field in 2003 by founding Sri Kausalya Constructions Ltd (SKCL) which is now one of the leading Construction Companies in India. Over the past two decades, SKCL has delivered close to one million sft of IT -infrastructure in Chennai and has set new standards for both speed, quality and value. SKCL also provides property maintenance services, ensuring properties are well-maintained and compliant with regulations. SKCL had entered into a JV with Indospace to jointly develop a park with a potential of 1.5 million sft. It was completed in 2014 and leased to few marquee tenants like Nissan, Bosch & CTT. On request from Indospace, SKCL voluntarily exited and sold the entire stake to Indospace.

He is an active member of “The Chennai Angels”, One of India's foremost Angel Networks, fostering Entrepreneurship. mentoring entrepreneurs and nurturing ambitions. So far about 10 Start-ups in various States have been funded and all of them have commenced production. Recently, He has also associated himself with IIT- Madras for a start-up incubation funding . He is a Senior Member of CREDAI-Chennai for over 20 years successfully managing and operating around 20 companies and LLPs.

Ramratthinam.S , has over 32 years of experience in the retail lending space having worked with Private Banks, NBFCs and HFCs. He has earlier worked with Organisations like Sundaram Finance, Centurion Bank of Punjab, Dewan Housing Finance Corporation, Muthoot Homefin (India) Limited and Indusind Bank.

He has rich and extensive experience in Sales, Distribution, Product and Policy formations, Credit Underwriting, Portfolio/Risk Management, Treasury Management, Collections and Operations. Has led initiatives towards implementing end to end digital suite for various Organisations to help improve productivity.

His last assignment was with Indusind Bank as Head of Affordable Home Loans and Micro Lap.

Mr.Rajendran, has over 3 decades of experience in core banking working in areas such as resources mobilization, creation of assets and monitoring, asset recovery, branch and controlling office administration including overseas banking in Singapore.

He has lastly served as the Executive Director of Repco Bank.

Mr. Devendiran, an established and a successful entrepreneur graduated from Anna University. He is the proprietor of DCC Constructions specialized in community housing.

Chairman & Managing Director of M/s. Coromandel Engineering Company Limited.

He has 3 decades of experience in banking.He was the, “Officer Director” - December 2010 - DEC 2017 . He was a part of Risk Management and HR board committees of Canara bank.

TRADE UNION CREDENTIALS (Previous)

General Secretary – All India Nationalised Bank Officers’ Federation

General Secretary – Canara Bank Officers’ Association

Senior Vice President – All India Bank Officers’ Confederation

President – Canara Bank Officers’ Thrift & Credit Society Ltd.

Mr. Ganesan K. I A S ( Retd) was a senior bureaucrat and retired as Additional Chief Secretary to Government of Tamilnadu after holding several senior positions likeChairman & Managing Director of public sector undertakings, notably TamilnaduUrban infrastructure Finance Corporation Ltd. He is a retired IAS officer.

Mr Ganesan brings with him multifaceted experience from administration, governance, public finance and socio economic initiatives.

Mr Ganesan holds Masters degree in Law from University of Madras and Masters inEconomics from Bradford University, U K .

Mr Nagappan Valliappan is an experienced Financial Advisor and Consultant with more than 2 decades of experience in capital markets and BFSI Sector.

He is currently on the Board of Interconnected Enterprise Ltd, Mumbai and Independent Director ( Additional ) in Keyem Infra Project Pvt Ltd, Chennai. He has served as Independent Director on the Boards of State PSUs like TIDCO, TamilNadu Power Finance and Infrastructure Development Corporation Ltd, TamilNadu NewsPrints and Papers Ltd ( a Listed Entity ), erstwhile Madras Stock Exchange and MSE Financial Services Ltd in the recent past.

He is currently the President Elect of the 75 year old Hindustan Chamber of Commerce, Treasurer of the 98 year old Vidyodaya School Society and Founder Member of the Theosophical Education Society which runs the Adyar Theosophical Academy. He is also on the Board of Studies of Madras University in their Commerce Department as well as their Economics Department.

He was the Chairman of Federation of Indian Stock Exchanges, a Member of the SEBI”s Secondary Markets Advisory Committee – SMAC and President of the Securities & Time Share Owners Association ( STOWA ) in the past.

He has written a series of articles on Capital Markets, Personal Finance, Savings, Investments, Tax Planning, Retirement Planning, Portfolio Management, Derivatives Trading, Commodities Trading in popular magazines - the collection of which are published as seven books.

Dr. Mahadevan Balakrishnan is an excellent banking/payment system techno-functional expert with 30+ years of IT systems , 25+ of them in managing Banking/Financial Services/ IT with MNCs - ABN AMRO, Barclays, Citibank, Merrill Lynch, and national financial infrastructure creation company - NPCI. He has the experience in running infrastructure and Data Centre for the bank as well apart from managing a variety of applications on different H/W, S/W platforms. As COO of NPCI, he was responsible for Business, Operations and Technology management building world class payment systems for India that is affordable, safe, secure, convenient and above all, inclusive. Have implemented many payment systems for India - NFS ATM network, Immediate Payment Service which also can be done through Mobile banking, CTS systems in Southern and Western Grid, Innovative National Unified USSD Platform for India, National Automatic Clearing house solution with some innovative capabilities , Aadhaar (Unique ID - UID) based payment systems etc. Worked with World Bank for over 8 years - improving of financial infrastructure for many countries and continues as a global consultant for card services and payment systems. Acclaimed for functional knowledge and solid project/program management experience with good understanding of IT infrastructure and Data Centre management, Known to deliver innovative and quality solutions. Ability to identify the cost savers without diluting quality Education: Bachelors in Physics, MA-Political Science, MBA, Masters in Bank Management, Ph. D in Financial Management/Payments.