Sivadas K R
@sivadaskr
I build configurable banking origination products for lending, cards, and relationship pricing.
IndiaWhat I'm looking for
At Oracle Financial Services, I contribute to Oracle Banking Origination product management and functional solutioning for Retail, SMB Lending, and Credit Cards, supporting more than 12 banking clients across India, the Middle East, and Southeast Asia.
I translate credit, KYC/AML, onboarding, pricing, and operational requirements into configurable workflows, rule-based decisioning, product catalogs, BRDs, FRDs, user stories, and API-enabled capabilities. My work has helped shorten client implementation timelines by 20%, including AI-assisted document verification and credit-appraisal capabilities.
Before Oracle, I led branch operations, portfolio performance, lending, service operations, and compliance at IDBI Bank. I bring 17+ years of banking domain experience across CASA, retail and SMB lending, credit cards, relationship management, and end-to-end product delivery.
Experience
Work history, roles, and key accomplishments
Principal Systems Implementation Analyst
Jun 2026 - Present (3 months)
Principal Systems Implementation Analyst at Oracle Financial Services Software Ltd, contributing to product management and functional solutioning for banking origination platforms.
Product Manager - Origination Platform
Jan 2022 - Jun 2026 (4 years 5 months)
Product Manager for Oracle Banking Origination, contributing to product management and functional solutioning across Retail, SMB Lending, and Credit Cards for global clients.
Branch Head (Assistant General Manager)
IDBI Bank Ltd
Jul 2020 - Jan 2022 (1 year 6 months)
Oversaw branch operations and portfolio performance across SMB, retail, and commercial banking, with responsibility for credit, service, and compliance outcomes.
Relationship Officer & Service Operations Manager
IDBI Bank Ltd
Jul 2009 - Jun 2020 (10 years 11 months)
Managed retail and SMB lending, cross-sell, service operations, and customer relationship management, contributing to revenue growth and improved customer experience.
Education
Degrees, certifications, and relevant coursework
SCMS Cochin
PGDM, Finance and Marketing
Completed PGDM in Finance and Marketing from SCMS Cochin, India in 2009.
Nirmala College Muvattupuzha
B.Sc., Mathematics
Completed B.Sc. in Mathematics from Nirmala College Muvattupuzha, India in 2006.
Availability
Location
IndiaAuthorized to work in
Salary expectations
Social media
Job categories
Skills
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