ROYSCE RAMSARAN

Established foundational processes for business operations.

• Negotiated favorable contracts with suppliers and vendors, ensuring cost-effective procurement process
• Managed partnerships and strategic business relationships by negotiating contract terms and handling conflicts.
• Identified new revenue generation opportunities to maximize bottom-line profitability.
• Streamlined operations for improved efficiency, reducing overall costs and increasing profitability.
• Drove continuous improvement by fostering a culture of collaboration, accountability, and open communication across all levels of the organization.
• Improved operational efficiency by redesigning internal processes and implementing cutting-edge technology solutions.
• Built productive relationships with industry partners and competitors to support strategic business objectives.
• Analyzed and tracked business metrics and made appropriate adjustments to meet supply and demand needs.
• Directed research and development efforts in alignment with long-term strategic goals to maintain competitive advantage within the industry sector.
• Reviewed individual department performance and worked with leadership to improve processes, procedures, and practices.
• Addressed employee and managerial concerns and implemented corrective actions to promote compliance.
• Implemented strong financial controls, ensuring accurate reporting and solid decision-making capabilities.
• Implemented comprehensive risk management strategies to mitigate potential threats and safeguard the company''s assets and interests.
• Engaged positively with staff and leadership colleagues, soliciting and encouraging feedback and collaborative spirit.
• Coached and guided senior managers to improve employee job satisfaction and achieve higher performance levels.
• Updated business processes, products and team makeups to generate more business opportunities and cater to audience needs.
• Made large-scale financial decisions and supervised company spending to reduce material losses and maximize profits.
• Cultivated forward-thinking, inclusive, and performance-oriented business culture to lead industry in innovation and push progress.
• Enhanced sales performance through strategic planning initiatives, targeted training programs, and effective incentive structures for sales teams.
• Managed financial, operational and human resources to optimize business performance.
• Communicated business performance, forecasts and strategies to investors and shareholders.
• Initiated strategy to drive company growth and increase market share and profitability.

• The role of CRBO focuses on winning in the market by leading and developing a team of sales and service professionals to support client retention, acquisition and growth
• Accelerate Business Growth and Performance
• Improve Client satisfaction scores
• Strengthen our Team members Capability & Commitment
• Achieve operational efficiency, maintain a high level of compliance and improve credit quality
• Establishes the sales capacity and develops the corresponding sales plans for the achievement of sales performance objectives; of people management and sales routines; partners with Risk, Marketing and Operations to drive portfolio growth and performance; provides on-going reporting (performance, risk, opportunity, etc)
• Create a Collaborative and Engaged Team that lives the tenets of The Vision of Love
• Responsible for the development of the Personal Banking Human Capital
• Ensures that succession plans are in place
• Develop an effective, adaptable sales and service force in the market to maximize revenue and productivity
• Leads and applies the Balance Scorecard Process and Principles
• Leadership: Champions the implementation of strategic initiatives and collaborates with functional partners, to executive change, supporting employees through proactive communication and effective decision making reinforcing organizational values, objectives, strategies and implementation plans
• Ensure Operational Safety & Soundness
• Ensures strict adherence to sound risk management and high portfolio quality standards
• Ensures full compliance of branch sales and services staff with defined codes of conduct and compliance
• Ensures defined processes/controls are being followed to mitigate the risks of fraud and losses
• Ensures execution against client value proposition and takes appropriate corrective actions as required

• Provide leadership to programs/initiatives and champion the projects throughout the Program's lifecycle with responsibility for facilitating the coordination of program delivery including people, time and money
• Provide Executive guidance and decision-making where required including participation in project decisions
• Engage with other internal organizations to ensure appropriate resource availability, providing consistent, timely communication to appropriate stakeholders
• Approve benefits, revisions to budget, schedule and scope through each decision point
• Deliver the benefits identified and address risks, issues and gaps, ensuring that projects align with strategic and or tactical goals
• Negotiate project prioritization with other executives and/or executive bodies
• Communicate program and project vision within the project
• Evaluate and report on project success and benefit realization
• Provide continuous, consistent and timely communication to the appropriate managers/staff on any program/project related decisions that are going to impact their area (e.g
• Process impact, systems impact etc.)
• Ensure linkage to the strategic business plan, project funding, setting vision and realization of project benefit

• Lead the coordination of the implementation of non-sales business specific, cross-business and cross-functional initiatives in the market whether market-specific or region-wide initiatives that are client-centric
• Maintain an end-to-end view of operational risk across the business activities and actions in the market and raise any risk issues and monitor their resolution
• Have direct responsibility for the oversight of in-market business budgets and plans and develop and coordinate any required integrated corrective actions and plans
• Engage with business and Functions when necessary to ensure that the requirements of the business are appropriately translated to the Functions
• Be the key contact with relevant regulatory bodies to ensure all requirements are channeled to the appropriate functions/units and follow up on all outstanding issues to ensure resolution
• Coordinate in-market Business continuity
• Act as Secretary of the MMC and as such prepare the MMC agenda and minutes and monitor follow-through on actions agreed to by the MMC

• Acts in support of the President/Country Head, in their ability to achieve superior business performance and 'best in class' managed efficiencies, through leading the strategic direction and implementation excellence of transformational and sustaining strategies
• Fully responsible for driving the effectiveness of the Jurisdiction through the utilization of functional resources
• Lead the Jurisdictional Advisory Council

• Led a cluster of (12) Branches for the South and Central Region
• Entrenched a sales and service culture in units through the implementation and reinforcement of Market Management Routines
• Led and implemented 'Living the Client Care framework' and the building of a Risk Management Framework in units
• Responsible for the development of approximately 450 employees through strategic human resource management
• Responsible for business growth, expenditure control and profitability in branches
• Development and execution of the individual branches' Business Plan objectives and proactively manage same
• Led the development of the strategic Human Resource Management in branches in concert with H.R
• - T & T Bank
• Responsible for Business Development, Representation and Customer Relationship Management through strategies such as Centres of Influence, Six Step Sales Process, Visit with top clientele of the region
• Responsible for credit quality and operations effectiveness of cluster of branches

• Responsible for all operations, business planning, cost control aspects of branch
• Manage a lending portfolio consisting of both personal and commercial lending value at approximately $100,000,000
• Manage, motivate, lead a team of 60 staff in achieving set plans and targets
• Responsible for human resource management, training, placement and redeployment based on needs and skills assessment
• Maintain a presence and visibility through involvement in the community - Rotary and annual fund raising Bar- B- Que for charity
• Led the branch through a technology platform changeover (operating systems)
• Managed a regional sales campaign for the eastern region and won all the prizes in all categories

• Managed a portfolio of top 50 connections ($70,000,000) of commercial and small business accounts
• Responsible for managing a team of 5 credit officers who handled a portfolio of 500 small business and commercial connections valued at $20,000,000
• Responsible for improving credit administration in the branch from a historic below standard to above standard
• Responsible for improving staff morale from unacceptable to standard and then above standard
• Responsible for assisting staff to improve performance and became a feeder branch for staff to other units at higher level jobs

• Responsible for personal lending - credit administration for bank
• Developed and executed loans campaign for the retail network
• Developed reporting and tracking systems to monitor personal lending portfolio
• Monitored and managed delinquency for entire branch network

• Responsible for streamlining and setting up the credit division for credit cards
• Built structure and determined staffing for the various credit jobs
• Developed credit policy and guidelines for credit card approval

• Joined RBTT as a counter officer in 1980
• Progressed to supervisory level by 1985
• Held several supervisory positions in customer service area