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MCA , Finacle CBS + Data Migration + Agile Scrum + Core Java +SQL Server+Linx-PostgreSQL: 14
Yrs .
Ratnakaran Kizhakke Ariyil is a resident of Atholy, Calicut, Kerala, IN. He has been working in the
occupational sector of Information and Communication Technology software industry. Currently he is
employed in the ICT Operations of Kozhikode District Co-operative Bank since 2010 with ‘Finacle’ (10.2)
Core Banking Solution with multi faceted roles and responsibilities in respect of Product, Process and
Technology.
Basically he is a software developer starting from 3rd Generation Languages like C through Core Java
utilised for then existed Stand alone Applications and ERP Systems with Flat file handling capabilities for
bulk data processing. Proficient in RDBMS like MS SQL Server, postgreSql under Linux.
Handled Projects using Software Development Models like Traditional Waterfall, Prototyping & Agile
methodologies. Expertise in Agile Scrum with roles of Agile Coach, Agile Scrum Master and Agile Scrum
Consultant. Proficiency in other Agile methods like Extreme Programming(XP), KANBAN, Safe, Lean and
Scrumban. Proficiency in using Microsoft Project Professional and Atlassian Jira and Free Software for
Scrum Event Management. Proficient in TDD(Test Driven Development) and Acceptance Test Driven
Development(ATTD),Story Driven Development(SDD), Pair Programming and Behavior Driven
Development(BDD) for the new era of Software Development and Quality Assurance methods and
Refactoring Processes.
Proven Track records of Scripting including Linux Shell Scripting, Assembly Language Scripting with
TASM(Turbo Assembler) and MASM(Microsoft Assembler), VBA(Visual Basic for applications) Script for
Task Automations, awareness on Java Scripts and Scripts for Test Automations with Selenium, QTP and
other Test Automation Freeware.
Proficient in Unix and Linux though its multiple Distributions like RHEL, Fedora, Ubuntu, CentOS from
the scratch installation and operation of Operating System and Database like PostgreSQL and MySQL or
MariaDB. He is proficient in Data warehousing concepts and practices with Data Storage and Analysis
best practices.
He is proficient in ITIL procedures for best practices in Information and Communication
Technology(ICT).
Infosys Interview Qualified(2015).
Interview qualified for Finacle QA(v 11.1) through a Payroll Company for Infosys, Electronic City
Bangalore through procedures. Couldn’t re-locate and join the team due to non completion of the then
engaged project in 2015(Mobile ATM Project) which couldn’t be handed over due to complexity.
Reason for change.
By self learning he has updated the Technical Corridor by concentrating in new Technologies like
NoSQL, IoT, IIoT, LORA network, Big Data, Crypto Currency, Bit Coin and Block Chain. His present
environment lacks a platform for any of these Technologies for experimenting and becoming part of a
real life production environment. Hence seeking a better opportunity all over the World to get into the
main stream of Digital Technological Corridor.
As per invitation from Consumerfed, as a Technical Advisor, conducted a detailed study of the existing
System and submitted a detailed Technical Report for total migration of the existing system to a new
Software System.
Proposed and executed remedies to overcome the bottlenecks of the existing system. The major
bottleneck was the time delay occurred in transferring unit data from LAN through WAN into Data
Centre. Successfully executed the remedies and resolved the issues without modifying the existing
Database design and coding structure and involving only other technical means. The software system is
now dependable up to a migration into a newly proposed System and running well with updated data on
a daily basis.
Page: 2
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
Conducted a System Study for a Startup Service Co-operative Bank – Kavunthara Service Co-operative
Bank, Naduvannur, Calicut.
Conducted more than a dozen Digital Money awareness programmes in connection with demonetisation
era in India.
Sample Presentations.
Page: 3
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
Design and Construction done for a Mobile ATM with multi way communications with Core Banking Data
Centre, FIS Global Switch Vendor for Card Payment controlled through Bank’s Head Office.
Page: 4
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
Page: 5
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
formats.
Software Development Life Cycle SDLC based on Waterfall, Spiral, Prototyping, and Agile methodologies
and proficiency as an Agile Scrum Master.
Software Testing Life Cycle(STLC) expert.
Coordinator for the Project with emphasis on Requirement Gathering, Documentation, Stake holder
meet, Negotiations initiatives.
Seeks a better opportunity in Software Industry for the field of Finacle Support, Tester, Technical
Trainer, Technical Writer/Author/Documenter, Software Developer, System Analyst, Business Analyst or
Project Manager anywhere in the world.
SKILL SET
Finacle Banking v 10.2 : 6 Yrs. Android Studio Development : 24 Months
Business Analysis (ERP,CBS) : 12 Yrs. C(ANSI,K&R,Borland,Unix) : 8 Yrs.
Study, Design, Development of Mobile ATM
PostgreSql DB + Linux(RHEL) : 8 Yrs.
Project
QTP, Selenium, Jmeter. MS SQL Server + Back End Script : 8 Yrs.
Software Development Life Cycle(SDLC) : 12 Yrs. Client Server N-tier Architecture (CBS & ERP)
Manual Testing (App , Web & UAT-Test Case, Test
Remote Client Service
Plan) : 12 Yrs.
VB 6.0 : 8 Yrs. Crystal Reports 7,8.5,10 : 6 Yrs.
Design &Development of Asset Liability Management Object Oriented Paradigm & Concepts
Red Hat Enterprise Linux(RHEL 4.8) Implementation Assembly(MASM,TASM), Basic,Cobol,Fortran,
& Fine Tuning : 6 Yrs. Pascal, Xbase, Clipper, C#,HTML,XML
MS-ACCESS : 6 Yrs. Electronic Equipment Interfacing with S/W, H/W
FTP,TELNET,MS-VISIO,UML,SmartDraw, MS-
Core Java : 6 Yrs.
Project,MS Office, pgAdmin II,III, NetBeans
Application Development for Remote Data
Data Migration
Transfer.
Skills Applied Held Positions
Perpetual Role:-
07 Jul 2010 – Till Date
Core Banking Solution: Finacle v. 10.2 from INFOSYS
Role: Business Analyst implemented by Wipro IN ASP Cloud Model.
Designation: System Exposure over Finacle 11.1(Under Development).
Administrator.
IT Division of Kozhikode DCB. Control and co-ordination of Finacle CBS for 800 users at
Head Office & 63 Branches.
www.kdcbank.com FINACLE Core Banking maintenance & Trouble Shooting.
Centralised operation at Head Office Monitoring Cell for
Branches.
Skill Set Applied:-
Utilisation of Data Centre user privileges in Finacle.
Motivation
L1-L2-L3-L4 inter-communication for Finacle issues and
Learning Business Domain Trouble shooting.
Background Analysis,
Organisation Study and Role 8: Technical Study, Design & Implementation of a
Organisation Chart. Mobile ATM using connectivity through VPN Concentrator
Requirement Elicitation from ATM vehicle to Head Office Router and then to FIS
Global Data Centre at Control S Data Centre, Hyderabad.
Communication Project under Grant from NABARD Financial Inclusion Fund
Project Negotiations submitted for Nation since Jan 2016.
Page: 6
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
Institute of Rural Development(BIRD) Lucknow and
Functional Specification
hosted by Kozhikode District Co-operative Bank.
Non Functional Specification
Role 6:
UI Wireframes
System Study and Project Proposal for NABARD Card Based
C&D Requirements Services for ATM, Micro ATM, Point of Sale under
Financial Inclusion Technology Fund.
Demonstration
Role 10: Business Analysis for Recursive Reports to NABARD
Testing
in ATM Card issuance and allied Grants from NABARD. Front
Inspection End: VB 6.0, Back-end: PostgreSql under RHEL 4.8.
Validation User Acceptance Test (UAT) conducted for the developed
modules. Project Change Over done.
Rejection
Role 5:
Presentation
Trainer for 800 Finacle end-users at elementary and
Review
advanced levels in varying periods of induction.
Submission
Role 4:
Document Standards
Attended Help Desk Training at PMU Trivandrum.
Building logic statements using
Role 3:
conditions, loops and functions.
Attended L2 – L1 communication Tool Training at PMU. L2-L1
Very good understanding of
Communication enhancements executed.
Relational Database Management
Systems. Role 2:
Good understanding of Workflow
Selected as a member of Core Team for Finacle(5 Members).
enabled business process
management. Attended Core Team Training at PMU Trivandrum(21 Days).
Proficiency of standard office Involved in readiness of implementation sites.
software, such as MS Office, Executed change over from legacy to Finacle at Branches.
Visio, MS Access, etc.
Role 1:
Proficiency of industry-standard
Attended CBS initial meetings at State Co. Op. Bank,
process methodologies.
Trivandrum.
Project Manager with 12 years of
Attended CBS kick off meeting at State Co. Op. Bank
experience in the Banking
Trivandrum.
services industry with Banking
domain as Techno-Functional. Attended Data Migration Tool training at Trivandrum.
Served as a liaison between the Evaluated live software demonstration for the following short
end-user and the software listed software vendors.
Page: 7
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
development team throughout the 1. Mindmill 2.Virmati 3.Lasersoft 4.Datavision
project life cycle for multiple
projects. Site Visit Examination conducted for the following qualified
software vendors.
Excellent verbal and written
1. Mumbai DCB - Mumbai (client of Datavision)
communication skills to audiences
of various levels in the 2. Kalpur Commercial Co-Op. Bank - Ahmadabad (client
organization. of Lasersoft)
Other activities:-
Red Hat Enterprise Linux 4.8 Server Installation &
Good effort estimation skills. Tuning
Vendor management experience. PostgreSql Database Implementation and Tuning
Development of VB 6.0 Tools for Banking Data Extraction,
Interest Posting and Reporting.
02 Mar 2009 – 06 Jul 2010 Design, Development and Implementation of Asset Liability
Management (ALM) Module, for Urban Co-operative Banks.
Role: Project Leader
Designation :Project Leader VB 6.0 + PostgreSQL(Linux) / SQL server + Crystal Reports
Page: 8
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
modules. Project Change Over done.
Feb 2004 – Apr 2007 Design Discussions with Domain Consultant – CBS Solution.
(C# + SQL Server -2000). Design of CBS Solution in Agile
Role: Project Leader. Methodology under an Agile Scrum Master as external
Designation :Project Leader Banking and Software Consultant.
Softguide Technologies Pvt. Ltd.
Development and Implementation of ERP.
Skills Applied:
Project Name : MEDSTORE
Project Proposals Client : Medopharm Pharmaceuticals Bangalore
Response Documents http://medopharm.com
Software Requirements Front End : VB 6.0 Back End : SQL SERVER
Specification(IEEE 830
Development and Implementation of ERP.
Standard)
Project Name : EDAIRY
Initial Investigation Client : APCOS & NON APCOS Milk Societies
Requirement elicitation Front End : VB 6.0
System Study Back End : ACCESS /SQL SERVER.
Gap analysis
Product Enhancement Proposals.
Projects Road Map from Ratnakaran in Software Design & Development (Synopses).
Decade 2010s
System study, Requirement Analysis, Software Design and Development of Applications in Client-Server
N-Tier Architecture using Core Java(JDK) and Databases MS-SQL Server and PostgreSQl under Windows
and Red Hat Enterprise Linux(RHEL) databases for IBM PC Networked environment (2000s and
2010s) for various ERP Solutions in multiple Domains. Multi user Software Development using
Serialisation at Data Isolation Levels.
System study, Requirement Analysis, Software Design and Development of Applications in Android
Studio using Core Java and Databases SQL Lite under different Android versions for Mobile Applications
in multiple Domains. Successfully Implemented a mechanism for Prevention of Software Piracy
enhancing Copy Projection of Android Applications.
Technical Study , Design and construction of a Mobile ATM. The ATM machine fitted on a vehicle
connected with client side of a VPN concentrator communicates to higher device connected at the Head
Office of Bank which In turn communicates to the Control S Data Centre of FIS Global Switch vendor
through a TCL WiMax 64 KBPS line for ATM operations which in turn is connected to the CBS Data
Centre of the Bank and completes the communication for the ATM transactions.
At the ATM side, it is just operating at a mere 2G/3G/4G internet source from a standard provider. The
VPN device at Head Office operates with an internet source with a static IP for the WAN operations to
Page: 9
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
FIS end.
The vehicle is fitted with multiple power source of KSEB AC power Source and a power Generator with
suitable Air Conditioned Cabins. Solar Power Source which is the best suited for the Mobile ATM project
is avoided due to the Limitations at the Head Office Building in respect of height. The environment is
put under surveillance with CCTV using a Mobile DVR with GPS(Global Positioning System) and 3G
transmitter and WiFi features. The surveillance is possible on a word wide basis including on mobile
devices also. The vehicle is fitted with live TVs for demonstration and with a high fidelity Public
Addressing sound system.
Red Hat Enterprise Linux 4.8 Server Installation & Fine Tuning and Backup Scripts ,PostgreSql Database
Implementation and Fine Turning for 43 TBA(Total Branch Automation) Servers of Bank.
Software Development of Daily Product based SB Interest Application instead of Monthly Product Based
interest application stipulated by RBI with effect from 01-04-2010 to get effected on 30-09-2010.
Successfully developed and implemented as an outside application into the existing PostgreSql database
under Red hat Enterprise Linux 4.8 for running TBA Software with 43 Branch TBA Servers of Bank.
Software Development of Tools for extracting Data and Reporting to Statutory bodies like Income Tax
Department in various formats from 43 TBA Servers of Bank using VB 6.0 and PostgreSql Database
under Red hat Enterprise Linux 4.8. Development of Crystal Reports (10.0) reports for various formats
of data extracted.
Decade 2000s
Data Migration:
Migration of Data from Cobol Flat Files into Microsoft SQL Server. Reading Cobol Flat Files, Writing Data
to required format and reading into Microsoft SQL Server through intermediary formats suitable for the
data sets. The total work is the migration of existing Data under different flat files with a Software
Application in Cobol into data in Microsoft SQL Server Back End and Visual Basic Front End Application
combination as an ERP Software Solution for a Pharmaceutical Distributor at Alappuzha. Successfully
Migrated.
System study, Requirement Analysis, Software Design and Development of Object Oriented
Applications in Client-Server N-Tier Architecture using Visual Basic 6.0 and Databases MS-SQL Server
and PostgreSql under Windows and Red Hat Enterprise Linux(RHEL) databases for IBM PC-AT
Multiuser Hardware (2000s) under ERP era and under DBMS era) for various ERP Solutions in multiple
Domains. Multi user Software Development using Record Locking Mechanism implemented through
Code Modules with the help of fundamental methods of VB Language. Multiuser Programming is also
enhanced on an alternate basis with Serialisation at Data Isolation Levels.
Software Interface for reading COM Port with 100 KG Electronic Weighing Scale.
Software Interface development for 100 KG weighing scale by reading data exerted by the Weighing
Scale at the COM Port of the computer. The Software Interface is implemented in an Inventory
Application which could utilize the readings from the Weighing Scale and process according to that.
Software Interface is developed using Microsoft Visual Basic 6.0 in which the inventory is developed.
The interface is utilized in a Dairy Software, developed for APCOS Model of Milk Societies, where the
quantity of the milk is to be fed to the Computer along with other quality parameters like SNF and FAT
for the Milk Sample for calculating the rate of Milk through the collected sample based on which the
invoice for the Milk Producer is generated.
HRMS
System Study, Requirement Elicitation, Software and Database Design and Development for the Payroll
for the Permanent, Contract, Weekly wages, Daily Wages employees around 10,000 employees in
different categories for four estates viz. Cherakkara, Jessy, Tatamala and Thalppuzha under Parisons
Estates and Industries group, Wayanad. The estate was under the Industrial giant, Assambrook,
Calcutta. After the taking over by Parisons, on a step by step all the categories of employees are given
Pay through a Payroll System developed using Visual Basic as front end and SQL Server 7 as Back End
Page: 10
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
in 2005. After development, the system is re-implemented from the existing poor performing PC into an
IBM Entry Level Server with Intel Xeon Processor and high speed printer for Pay slips and Payroll
Registers within the existing LAN. The system also covers detailed Pay Processing and Statutory reports
like form 3A, 6A, 12A for PF and ESI Reports and Gratuity Processing, Bonus and Employee Retirement
process.
Page: 11
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
process. Submitted two Technical Proposals for re-vamping the total ERP Solution by self interest and
evaluating the present Quality of the ERP solutions delivered.
Development of Query Generator, Query Parser and Data Extractor using MS-SQL
Server Back-End Procedures.
Modification of SQL Server Back End Procedure to implement new data input and output columns. The
input data for generating Trial Balance and Balance Sheet by an ERP module is pre generated by the
Back End Procedure and handed over to the BS/TB generating Software. Upon calling the Back End
Procedure with the Financial Year Period and few flags to identify the option of TB/BS, the Back End
Procedure internally generates required SQL Queries by making intelligent decisions from within the
procedure by traversing a pool of looping and branching statements through running infinite number of
iterations within the Procedure.
The ERP Database is processed through the SQL Queries generated time to time within the Back End
Procedure and the intermediate output of the Back End Procedure is incrementally generated in the
form of a Text Output file. In the running instance, the Procedure acts as a generator of SQL queries
and as a parser of the internally generated SQL Queries and filters the sufficient data according to the
input parameters as an intelligent component for the various Financial Groups and sub Groups of a
complex Financial Software Installation.
The Procedure is modified to add more inputs and more output columns related to Budgetary Figures of
current year and previous years. The extracted data in the form of Text File is utilized by Visual Basic
Front End Codes to generate the output in the form of final Books of Accounts of Financial Accounting
System. The Procedure is implemented in the Finance module of an ERP, developed for Penguin
Engineering LLC, Dubai through the Software Client Whitelink Computers, Dubai. The project is
implemented and the funds released by the Company which were blocked due to non attainment of
committed requirements in the SRS and the Software Company became happy.
Decade 1990s
Standalone Applications
System study, Requirement Analysis, Software Design with Flat File Processing and Stand alone
Application Development using Microsoft Basic 3.0 Compiler and Executable development using
Microsoft Link.exe. Execution under Microsoft Runtime Environment Basrun.exe under MS-DOS for IBM
PC & PC-XT Hardware(1980s & 1990s before origination of ERP era and DBMS era in Information and
Communication Technology ) developed for Commonwealth factories’ Payroll at Feroke and Puthiyara,
Inventory in Pharmaceutical domain and others .
System study, Requirement Analysis, Software Design with Flat File Processing and Stand alone
application Development in Microsoft COBOL Compiler and Executable development using Microsoft
Link.exe. Execution under Microsoft Runtime Environment, Runcob.exe under MS-DOS for IBM PC &
PC-XT Hardware (1980s & 1990s before origination of ERP era and DBMS era in Information and
Communication Technology ) developed for Payroll, Inventory in Pharmaceutical domain and others.
System study, Requirement Analysis, Software Design with Flat File Processing and Stand alone
application Development using Fortran 77 & 99 versions with Two Pass Complier and Executable Making
under MS-DOS for IBM PC & PC-XT Hardware (1980s & 1990s before origination of ERP era and DBMS
era in Information and Communication Technology ) developed for Payroll, Inventory in Pharmaceutical
domain and others.
System study, Requirement Analysis, Software Design with Flat File Processing and Stand alone
application Development in Borland C/C++ Compiler and Native Code Generation. Execution of Native
code under MS-DOS and Windows for IBM PC, PC-XT & PC-AT Hardware (1980s & 1990s before
origination of ERP era and DBMS era in Information and Communication Technology ) developed for
Page: 12
RATNAKARAN .K .A , Mobile: 0091 7907197977.
Kizhakke Ariyil (House) , P.O.Velur, Atholi Via , Mobile: 0091 9400873747.
Kozhikode (Dt), India. PIN:673315.
e-mail: ratnanariyil@icloud.com , ratnakaran.k.a@gmail.com , www.kdcbank.com
Payroll, Inventory in Pharmaceutical domain and others.
Implementation of Unix Library of Commands like cat etc using Unix C. The C programming Language
code generated for multiple, standard, Unix Commands as a collection of Unix Executables for various
purposes.
System study, Requirement Analysis, Software Design and Stand alone Overlaid Application
Development (using xBase(dBase, FoxBase, Clipper, FoxPlus, FoxPro) databases under MS-DOS and
Windows and Novel Netware O/S for IBM PC , PC-XT& PC-AT Multiuser Hardware (1980s & 1990s)
developed for Payroll and Inventory in Pharmaceutical domain and others. Multi user Software
Development using Non-Exclusive Shared mode of DBMS Programming, utilizing the Built-in Record
Level and File Level locking methods for controlling record and file level writing in multi user
environment.
Memory Management and Application Performance Enhancement for Software Modules by Static and
Dynamic overlaying with Nantuket ‘s Clipper Database Management System.
Decade 1980s
System study, Requirement Analysis, Software Design with Flat File Processing and Stand alone
Application Development using Microsoft earlier version of Basic, MBasic 1.0 Compiler and Executable
development. Execution under world’s first PC Operating System CP/M(Control Program for
Microprocessors) for PCs with 64 KB of RAM and Non-SMPS(Transformer based) Systems (1980s) for
Commonwealth factories’ Payroll Processing at Feroke and Puthiyara locations of Calicut.
Kozhikode, (Sd/)
15-07-2019.
K.A.Ratnakaran.
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