Ramani Balakrishnan

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Transformation Solutions

TCS

Member since

21 Jan 2015

Location

Chennai

Bio

25 years of experience in IT/Banking Solutions - Focus areas are Mortgages, Consumer Lending, Core Banking

Experience

Summary

Started as a Physicist experimenting Solid State Physics in IIT, learned programming in Sybase Powerbuilder Java Weblogic and then now settled in Banking after MBA Finance from Rutgers,NJ.

Latest opinions

TRID is almost here- are the mortgage lenders ready?

- are your product vendors ready ? - if you are moving from one LOS to another, are u making changes in both LOS? -are you sure your product vendor will support all loan types? -how do you collaborate with settlement agents now? you need to issue accurate CD 3 clear days before closing? - where are you now?

18 May 2015 Financial Services Regulation

fee and revenue by lending other's money

With P2P lending hitting high in industry, banks should jump faster to tae advantage this- innovative ideas flexi loans and flexi deposits - letting lender-customers and borrower-customers decide the interest rates and terms - banks can make more money thorugh documents, fees, faciliating mobie and card payments and enable lending as an aggregator...

09 February 2015 Innovation in Financial Services

Should we go digital all the way?

For the last few years see every stakeholder in every industry is pushing for digital, digitization with their own agenda citing various benefits such as productivity improvement, reduced cost of operations , increased customer experience and so on. Doing right things is one and doing things in rightway is another. By having mobile front end to te...

04 February 2015 Innovation in Financial Services

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Latest comments

SAP Financial Services Forum Focus: Anne Boden, Starling Bank

I had the honour of interacting with Anne during April 2014 on this initiative! glad to see this as one of the top start-ups!

22 Jun 2015 10:13 Read comment

Should we go digital all the way?

Yes Chris - thats the intention - teh obsession with digitizing without fixing underlying process will not yield anything

02 Jun 2015 02:17 Read comment

Is Agile the answer to the question?

In one of the client meetings, I was asked to present 'agile capabilities' in place of a person who could not travel - I did a quick analysis and presented for an audience in Europe which was well received - but the most interesting point is many people beleived/still beleive agile is same as adhoc, unssystematic and is apt for frequent changes back and forth!

13 Feb 2015 05:34 Read comment

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