Nationality Indian

C V OF SENTHILKUMAR SOUNDARARAJAN

Year of Birth 1975(06/02/1975) Profession : Operations & Product Development to manage operational activities to the field level including credit, risk, and transformational activities. Micro finance/Insurance (Health)-Livelihoods & Marketing BDS and MED Specialist Specialization Project Design, MICRO FINANCING Livelihood & Micro Enterprise Development, Capacity Building and Training, Marketing Strategy, Livelihood Research AND Micro Insurance and micro credit Year of joining ,Start Profession :1996 Mobile No: 07373222244/ 09025113718/09842907770 Email id : vinciadi@gmail.com Address for communication : K.S.SENTHILKUMAR, #200/200A,GANAPATHI NAGAR,EXTENSION ,T.V.kovil ,TRICHY,TAMILNADU. Career Summary May20,2010, still working as Group C.E.O in VINI Financial and management consultants Pvt Limited., and Sangamam Women's multi purpose Thrift and Credit Co-operative Society Limited .at Trichy Tamilnadu. 2009oct-2010feb worked At Durva finance Pvt Limited(NBFC)-Karur as COO(formation works) 2007 2009September- worked as Chief Operating Officer in SEYAL CB-MFI Academic Profile B.A., from MKU University, TAMILNADU Professional Experience 1. Since MAY 20, 2010 working as GROUP CHIEF EXECUTIVE OFFICER in VINI Financial and management consultants Pvt Limited., and Sangamam Women's multi purpose Thrift and Credit Co-operative Society Limited .at Trichy Tamilnadu which has an outreach of 55000 client base across 26 branches in Tamil Nadu and Pondy with a portfolio outstanding of 355.0 million. Responsibilities Managing an operational team of 150 staffs across 26 branches Tamil nadu ,Ponday &Karnatka Managing a portfolio outstanding of Rs. 35 crores with 98 % on time recovery. Monitoring and effective implementation of the Microfinance Program. Handling Individual loan/GOLD LOAN and cross selling the Products like Micro insurance , Health insurance & Retail insurance Represent the company in a variety of forums and maintain external relationships within the sector Liaison with Government officials, Bankers , and other allied system to enhance company ` s top line. Effectively manage the human resources according to organizations personnel policies and procedures. Recommend yearly budget for Board approval and prudently manage the organization's resources. Conducting performance appraisal, analyzing training needs, developing and delivering training program to all the staff at the area level. Achievements: Prepared the operational guidelines for the organizations. Growth rate + new areas of expansion+pAR rate+etc Tasks and Responsibilities: Strategy and business development: Develops objectives through short and long term strategic planning; Sets annual performance targets considering profitability, quality, and efficiency; Establishes targets for effective outreach to poor and women clients; Clearly communicates expectations and responsibilities; Supports establishment of effective business development, marketing, sales and client service strategy and approach; Understands the market and competitor analysis; Strategically develops outreach and expansion plans. Identifies new markets, regions, and clients; Manages portfolio quality and profitability through proper credit policy and procedures such as client screening, collateral, products, approval, delinquency and default management. Ensures these are

communicated to and implemented by all staff. Liaise with appropriate departments to implement effective delinquency and loss measurement tools are in place and utilized; Operations and processes: Responsible to set up centers/ branch offices that will aid in the disbursement of microfinance to the target population across the chosen states/centers; Design and establish internal and external procedures and systems, and ensure operations compliance to internal control and regulatory policies, procedures and systems by reviewing, developing and continually improving policies, systems and processes to comply with lending, security, human resources and other internal and statutory requirements; Recommends appropriate changes to policy, procedures, and processes to ensure application of sound credit and risk management; People responsibilities: Institutes performance and monitoring systems. Evaluates progress against business plan, budget and best practices; Provides appropriate appraisals and feedback. Ensures staff are motivated and organized to exceed performance targets; Develops appropriate rewards and incentives, takes appropriate action to correct poor performance and disciplinary actions as necessary; Motivates, nurtures, and develops staff. Trains, coaches, encourage, and mentors staff to deliver functions effectively and efficiently; Considers career path and development planning. 2. Since January 2007 to September 2009, worked as CHIEF OPERATING OFFICER in SEYAL CBMFI Developing and Implementing program methodology for SHG. Need base assessment for the implementation of federation with the groups. Implementation of IGP scheme in SHG level. Organizing orientation program for field staff on human rights. Designed training module on SHG. Managing of 13200 loan clients with 355 SHGs. Managing team of 94 staffs. With 3 branch's 3 Districts Regular activities conducting surveys, media decisions, manpower decisions, administrative control and business plan target achievement. Development sector EXPERIENCE RECORD 1. ADTIYA MARKETING SERVEY AND RESEARCH INDIA (AMSRI) AS A PROJECT CONSULTANT. (PROCESS ORIENTED BASED) 2.LEED NGO'S MANEGMENT CONSULTANCY SERVICES- BANGALORE AS A KEY PROJECT CONSULTANT (MICRO ENTERPRISES,COMMUNITY BASED ENTERPRISES, LIVELIHOODS RESOURCE MAPPING) (PROCESS ORIENTED BASED) 3.MADURAI AND THENI DISTRICTS P L A., (PARTIPATORE LEARNING AND ACTION PRA PARTIPATORE RURAL APPRASIAL , ASSIGNMENT TAP DEPT.OF FOREST GOVT. OF TAMILNADU,MADURAI DIVISION. 4. FOREST DEVELOPMENT AGENCY(F D A) MADURAI DIVISION DEPT.OF FOREST, Govt of Tamilnadu , MICRO PLAN (LIVELIHOODS AND INCOME GENERATING PROGRAMM) ASSIGNMENT. 5. LIVELIHOODS AND INCOME GENERATING FOR FISHERING COMMUNITY-, ASSIGNMENT - GULF OF MANNAR BIOSPHERE RESERVE TRUST (GOMBRT TRUST) GOVT. TAMIL NADU. RAMANATHAPURAM, TUTICORIN, TRUNELVELI AND KANYAKUMARI DISTRICTS.(PARTIPATORE LEARNING AND ACTION , PRA PARTIPATORE RURAL APPRASIAL MICRO PLAN PROCESS(COMPARSION OF QUESTIONNAIRE SURVEYWEALTH/ HEALTH RANKING, RATING AND SCROING SOCIAL MAP,SEASONAL MAP, DIAGRAMMING, LOCAL INFORMATION 6.I I R M- INSTITUTE OF INTEGRATED RESOURCE MANAGEMENT MADURAI AS A INSTITUE PROFESSIONAL DIRECTOR. 7.PWDS-DATA - NEERA., TAMILNADU . AS A LIVELIHOODS PROGRAMM MANAGER ( NEERA -PARTNERS -O.D., COLLECTIVE ENTERPRISES ,MICRO ENTERPRISES DEVELOPMENT, MARKETING AND SUPPLY CHAIN MANAGEMENT . M.E.D MODUL DEVELOPMENT. 8. university of Chicago ,Dept of Economics,THROUGH IIM-B ASSIGNMENT ., The power of T.V. Gender Attitude and Empowerment.,5-Districts 19 Blocks of Tamilnadu .

9. PERIODIC RURAL MARKETS Study and survey13 Districts of Tamilnadu - first Phase completed. 10. MADURAI INSTITUTE OF DEVELOPMENT STUDIES- DIRECTOR 11. WE PROMOTE- MADURAI. PROFESSIONAL DIRECTOR. 12. SEYAL community Based MICRO FINANCE - chief operation officer Responsibilities include: Coordinator for project design, implementation of livelihood promotion projects, conducting livelihood studies, preparation of livelihood reports, providing hand holding support to state level agencies/ private institutions/NGOs, and CBOs provide capacity building inputs for livelihood promotion and marketing to government functionaries and staffs of non-government organizations through trainings/workshops, convergence with private players, resource agencies and government agencies for creating forward and backward linkages, strategic initiatives, and report writing. Team Coordinator for Strategic Support for Livelihood Promotion and Marketing to DPIP-Rajasthan in two districts (Funded by The World Bank). Lead and guided the team for livelihood survey to map market driven livelihood opportunities, capacity building workshops/training for staff of DPIP, NGOs and CIG members, establish new weekly haats to provide marketing platform to CIG products and forward and backward linkages support to 400 CIGs. Member of a study team in developing comprehensive livelihood promotion strategy for 10 Distriects in both North and South Tamilnadu ADP for MIDS and suggested market driven employment and enterprise opportunities for youths and women. Project coordinator for Livelihoods Opportunity Assessment and Resource Mapping Study forDepartment of Forest TAP Project and FDA , Government of Tamil Nadu for research design, field survey coordination, data compilation, data analysis and report writing for the study in 15 districts of Tamil Nadu. Study focused on identifying livelihoods opportunity based on local resource, skills, infrastructure and markets for rural poor including women, youths and disabled and other vulnerable segment of society. Handled the livelihoods promotion project under the collaboration with MIDS, TN in two districts. Provided support to, CIGs and other stakeholders. His range of activities included carrying out livelihood survey and report writing, preparation of sector development plans and operationalisation of the plan for agriculture, livestock, and trading, linkages with buyers and services providers, training of different stakeholders through vision exercises and livelihood promotion and marketing, classroom training and field based support. Team coordinator for IFAD & World Bank funded Madhya Pradesh Swa-Shakti Project. Undertook need assessment exercise to develop product development and marketing strategy for spice, washing powder, pain balm and sanitary napkin and capacity building requiremnet of project staffs and women beneficiaries. Coordinated strategic consultancy assignment for livelihood promotion and marketing under AP-DPIP, Chittoor. Worked with , 50 community coordinators (CCs), CIGs and 10 Livelihood Associates for carrying out livelihood study and conceptualising and establishing community owned rural super bazaars at Mandal level and support to agriculture and livestock sub sector. Established market linkages for gherkin, milk marketing, and mushroom and designed an integrated insurance scheme for project beneficiaries by signing MoU with New India Insurance Company. Got appreciation letter from Project Director. Member of a study team for in-depth study on woollen khadi sub-sector in Rajasthan and prepared a detailed strategy for strengthening the sub-sector for RUDA (Rural Non Farm Development Agency, Rajasthan). Worked as a Team member for the "Situational Analysis" of Rural artisans under Operation LEAD project sponsored by ACT Foundation, TamilNadu Prepared a project proposal for ACT-Foundation for its MICRO FINANCE B.P- project that ACT & PADIGAL,DEEPAM,HADCO & WASA submitted to donor agencies. For preparing the project proposal, conducted Situational Analysis in 225 villages of MADURAI,DINDUGAL,SIVAGANGI,KANYAKUMARI and RAMANATHPURAM districts of TAMILNADU Worked as Team member for the "Situational Analysis" survey of 60 BLOCKS of TAMILNADU, under the WOMEN project of IIRM AND MIDS. The objective of the project was to empower 200 VILLAGES women through the formation of 300 self-help groups and provide a range of financial and non-financial services. As a Team member for market research study on consumer usage and attitudes for WASTE WEALTH PROJECT. The marketing elements of distribution and promotion were also probed through interactions with stockists, contractors, masons and architects. The study was conducted across 15 DISTRIECTS to develop a rural marketing strategy for ACT-SMALL CHANGE PROJECT,

 Worked as Team member for the project "Study of 188 Haat Bazars (weekly markets) and TechnoEconomic Survey of 1,100 villages" of 15 districts of TAMILNADU for identifying viable IGAs for preparing a Micro Enterprises plan for WSHGs. The study was sponsored by MIDS AND OSCARE FOUNDATION AND RESEARCH Conducted MIDS ,IIRM AND WEPROMOTE open Capacity Building programmes on Livelihood Promotion and Marketing in TAMILNADU. The power of T.V and gender attitude and Empowerment Project Study 5 districts ,19 Blocks 1062 Villages of Tamilnadu with the support of IIM- B sponsored by . university of Chicago ,Dept of Economics USA. SECTOR SPECIFIC WORK EXPERIENCE: CAPACITY BUILDING In February 2008 conducted a 3-day training programme on livelihood promotion and market development for OXFAM staffs and SDC partners at Kabul, Afghanistan. Visiting faculty to Indira Gandhi Panchayati Raj & Gramin Vikas Sansthan, Jaipur; a state level government nodal agency for capacity building of government functionaries in the state. Took sessions on rural marketing, collective marketing, selection of income generating activities and livelihood promotion. Oriented Staffs of Mahila Evam Bal Vikas Sastha, Rajasthan on Entrepreneurship, Activity Selection and Business Promotion and Marketing at a state level workshop. More than 250 Community Development Project Officers from 32 districts were oriented in 3 programmes from June 24th 2006 to 28th June 2006 at SIAM (State Institute for Agriculture Management), Jaipur. Organized a series of capacity building/training program on Livelihood Promotion & Market Development (LPMD), vision building, cross learning and best practices for project staffs and field implementing staffs under DPIP (World Bank funded Projects) in Madhya Pradesh and Rajasthan. Organized and conducted nearly 30 training programmes on Livelihood Promotion and Market Development in Madhya Pradesh, Andhra Pradesh and New Delhi. Trained nearly 1000 Project Officers from DRDA, NABARD, senior staffs from local and reputed NGOs and field functionaries of bilateral development projects. Lead resource person in MART's training programmes, designed training modules, developed games and exercises for trainings. PPP & LINKAGES FOR LIVELIHOOD GENERATION Linkages with Agriculture department, District Statistical Officer, Zilla Parishad, Animal Husbandry, DIC, KVIC, Horticulture department, NABARD, RCDF, Krishi Vigyan Kendra for schemes, project proposals, policy information, convergence, free animal health camps, vaccination campaign, training inputs, and quality input supply. Market Linkage with corporate such as Kirloskar, Godrej, HLL and developing sustainable model in the line of Community-Corporate partnership. Buy back linkages with companies like Nath Bio Genes Limited for contract farming. Seed production and buy back linkage with Nath Bio Genes, Aurangabad Market linkage with district based exporter for technical inputs and buy back arrangement for gherkin production Heritage India Private Limited for marketing of milk, create new milk routes and appointing community members as milk collecting agents. NATURAL RESOURCE MANAGEMENT Conceptualized and guided team in implementation of an integrated package for rain-fed farming for productivity enhancement by introducing better seeds and better package of practices, introducing technical inputs and developing better marketing strategy under the funding of Government of Rajasthan (World Bank sponsored). Helped team develop and implement an integrated goatery development plan by providing technical and marketing inputs through trainings, organizing health check up and vaccination camps for enhancing the productivity and support marketing initiatives by establishing linkages with traders/exporters and organizing marketing camps. As a path breaking initiative introduced system of selling goats live after weighment and facilitated formation of community owned cluster for collective efforts. Conducted Value Chain Analysis for agriculture and livestock sub-sector and suggested Collective Marketing Strategy to the project beneficiaries in 15 districts of Tamilnadu. Formed Seed Producers' Cooperative Societies for certified seed production and obtaining marketing rights to benefit 1000 farmers of Madhya Pradesh Conceptualized and implemented Project BOER for introducing artificial insemination in goats for productivity enhancement.

POLICY, CONCEPTS, M&E

 In DPIP Rajasthan member in core thematic groups at state level for agriculture, livestock and micro enterprise sectors to discuss policy matters, review progress, develop monitoring and evaluation systems and action plans. Under DPIP Rajasthan conceptualized formation of district level resource teams; DART (District Agriculture Resource Team) for agriculture promotion, DLRT (District Livestock Resource Team) for livestock promotion and DMERT (District Micro Enterprise Resource Team) for promotion on non-farm activities. Resource team comprise district project staffs, field implementing agencies, representative from government line department and resource agencies. Resource teams meet monthly to review progress and discuss action plan. Project adopted the concept in all its seven districts. Helped DPIP Rajasthan develop a social insurance scheme based on MART's MP-DPIP experiences. Project developed MIS for registering complaints related to insurance of assets and life of project beneficiaries. Under MP-DPIP conceptualized formation of district level resource teams; DART (District Agriculture Resource Team) for agriculture promotion and DVRT (District Veterinary Resource Team) for livestock. Resource teams met regularly to review progress and discuss action plan. Project adopted the concept in six districts. Under MP-DPIP innovation fund in Raisen district conceptualized BOER (Breed Improvement of existing Goats in Raisen pilot project for artificial insemination in goats for improving health and weight of goats thereby their market value. A resource team from Pune's Neera Valley Genetics trained 20 veterinary doctors and paravets in the process of artificial insemination using through the use of South African semen pellets. Under same innovation fund in MP-DPIP conceptualized Project WhEAT (Wheat Enhancement using Appropriate Technology) for introducing quality seed production by introducing breeder seed variety. Farmers were organized into seed producer' cooperative society and got marketing rights. Conceptualised, developed and introduced Micro insurance package in collaboration with National Insurance Company (NIC), Oriental Insurance Company and United India Insurance under World Bank Funded Project for MP Govt. in 14 districts. Also implemented the innovative concept of Rural Insurance Agents (RIAs) and educated the rural unemployed youths and enable them to earn upto Rs 10,000 per month as commission. Developed and executed fortnightly, monthly and quarterly monitoring formats for World Bank funded District Poverty Initiatives Project (DPIP), Madhya Pradesh during a strategic support provided by MART. LANGUAGE CAPABILITY English : Speak- Fluent; Written-Excellent, Reading-Excellent TAMIL : Speak- Fluent; Written0.00mm; Reading- Excellent WORKSHOP/SEMINARS ATTENDED Participated in 3rd International Conference on Linking Markets to Farmers, New Delhi. MART was one of the organizers alongwith University of Illinois, IFPRI, ICA Institute, USAID and the World Bank. Participated in IFAD organized State Level Meet at Jodhpur to discuss concept paper for Poverty Alleviation in Western Rajasthan; a watershed plus project envisioned in 7 districts of Jodhpur division in collaboration with watershed department, Government of Rajasthan. Presented MIDS & OSCARE experiences in a National Level Meet organized by MAVIM, Government of Maharastra at YASHDA, Pune. Several reputed national level agencies and government functionaries participated in the two days workshop. Gave presentation on Identifying Potential Micro Enterprises for SHGs in Rural Areas in the State level workshop on Micro Enterprise Promotion, Challenges and Opportunities organized by CBMD at RCCI , Jaipur. Gave presentation at Jaipur in a NABARD organized State Level Workshop of its partners in Rajasthan on Promoting Micro Enterprises amongst SHGs in rural areas. As Resource person gave presentation on Concepts of Entrepreneurship, Activity Selection, Business Plan and Marketing in a State Level Workshop organized by Mahila Evam Bal Viakas Sanstha, Government of Rajasthan. Participated in a National Level conference on Micro Finance organized by CARE, India. Coordinated a State Level Workshop organised by WVI, Jaipur to discuss livelihood issues and prepare livelihood strategy. Represented MIDS in a national level consultancy meet organised by WEPROMOTE at MADURAI, to learn from the participants with experience and expertise in livelihood promotion and marketing.