Manoj APPADOO

Chief Financial Officer M/s Railway Group of Companies, Mauritius
Jan 2011 to Present A closely held and well established Mauritius business house with considerable
Investments and operations in the UAE, West Africa and Seychelles.

Notable Highlights
✓ Set up new systems and controls to effectively monitor day to day cash flow of the Groups domestic and overseas business operations that span two continents and cross an annual turnover of USD 200m
✓ Recruited and trained and supervise the Groups core financial management team
✓ Increased financial discipline, transparency and accountability
✓ Increased annual profitability by implementing a variety of cost effective / cost reduction measures

Credit Risk Officer M/s Mauritius Commercial Bank Ltd MCB, Mauritius
Dec 2010 - Sept 2006 MCB is the oldest 1838 and biggest Commercial Banking entity in Mauritius,
enjoying well over 60% market share of domestic Retail Banking domain
Notable Highlights

✓ Set up procedures and discretionary powers for the sanctioning banking facilities
✓ Monitored and ensured that the established procedures were strictly adhered to ✓ Increased financial discipline and created staff awareness on various risks taken by the bank
✓ Conducted regular staff performance appraisals and provided recommendations to HR department

Assignment
My work consisted of approving credit facilities/ reviewing credit proposals for onward
submission to the respective credit committees which were above my discretionary powers. My
main responsibilities were to ensure that the proposals are bankable and that all aspects are
looked regarding the risks associated, in relation to SWOT and SENSITIVE analysis.

I had 5 analysts working under my responsibility who prepare the credit proposal and reviewed by me that are ultimately sent to the Credit Sanctioning Forum

Head of Credit M/s Mauritius Post & Cooperative Bank Ltd MPCB, Mauritius
Aug 2006 - Aug 2003 MPCB is a Joint venture of the Mauritius Post and the Govt of Mauritius and has largest number of retail outlets in the Island and was established in
August 2003 Notable Highlights
✓ Set up the Banks Internal Credit Policy and ensured its conformance to the Central Bank guidelines
✓ Set up targets to be achieved in terms of Quality and not Quantity
✓ Supervised and conducted regular training seminars for junior Credit Analysts
✓ Conducted Quarterly internal appraisal programs and provided recommendations to HR department
✓ Recommend to the Board of Directors, steps to be undertaken to reduce non-performing assets portfolio.

Assignment
I was in charge of the Credit department where I had 5 credit analysts working under my
supervision. My day to day works consisted of approving credit facilities which were within my
discretionary powers and sponsoring other proposals which were beyond my discretionary
powers to the respective credit committees. I was also a member of the Bank's ALCO
Committee.

Credit Analyst /Relationship Manager M/s State Bank of Mauritius SBM, Mauritius
June 2003- July 1996 SBM is a leading Financial Institution with international presence
established in 1973 and employs over 1, 000 staff and 49 service
units with operations in Mauritius, India and Madagascar.

Notable Highlights
✓ Improved and maintained Banking Relationships by acting as the intermediary between the approving authority (internal customers and the clients external customers
✓ Increased Bank's portfolio in terms of assets
✓ Increase Banks profitability by reducing its non performing assets
✓ Conducted regular training seminars for new recruits

Assignment
I joined the Banking sector in 1985 and for the first 10 years of my career, I was assigned
various jobs starting from teller, back office clerk to loan officer. In 1996, I was posted to the
Corporate Banking Division and I reported directly to the Deputy Chief Executive Officer where
I had a portfolio of corporate clients, consisting of an aggregate exposure of around Rs1.5bn.
My main tasks were to appraise/review credit proposals, review credit facilities, manage
client's cash flows and monitor their accounts. I have a strong knowledge of financial
statements and appraisal techniques which are the main tools to assess corporate clients.