• Project Implementation (Implementation of Bulk Payment Products and Services)• Product Innovation• Process Improvement, Change Implementation Evaluation and Analysis of existing processes.  Implementation of changes in core banking system, aligning processes with software applications Implementation of changes in System based functionalities for Process efficiency Implementation of Regulatory Circular based changes to comply regulatory guidelines.• Product Implementation Life Cycle – TESTING & CERTICATION  Defining implementation roadmap & strategies Framing and review of Business requirement document & Functional specification document  Testing product specification and features in UAT environment  Framing test plan, test scenario and review of test results  Bug /defect identification, re-testing and correction  Identification of change requirement and deployment in UAT environment Testing in preproduction and production environment Product Certification and Production Deployment • Draft and formulate inter departmental circulars to impart product and process knowledge• Disseminate information by circulars and manuals • Documentation of Standard Operating Procedures (SOP) for purpose of process review & audit.• Deliver Product/Process guidance and training to branch personnel, branch heads.• Handling migration of corporate processes and corporate portability. • Ensuring Business Continuity Plan (BCP) for Primary Process, Quarterly review and reporting adherence

• Handling Electronic Clearing Services, Bulk Payments and Settlement System • Supervising BAU processes for NACH Operations, APBS Payments, DBT Payments, Direct Debit Operations• Adherence to regulatory TAT, Process delivery within prescribed regulatory session timing. • Refining existing processes by reduction of rejection percentage and technical curing• Query Management, dispute resolution, escalation handling, analysis of complaints and grievance, fraud incident handling.• Team Management, Capacity and Capability building • Data Management, MIS & Management reporting.• Adherence to regulatory guidelines and Circulars. Timely attending and responding to all statutory queries

• Increased geographical coverage through new market entry by setting up 4 new branches in 3 states to substantially increase ECS / RECS transaction data volume.• Improved the relative standing of East Zone by adding key clients to grow the zonal revenue at a CAGR of 10% for 5 years.• Generated 15% additional revenues by cross selling other products through strong relationship with clients across domains and ensuring zero client exits at service delivery stage.• Managed highly critical regulatory relationship with RBI and member Banks to ensure smooth electronic clearing operations in the Zone. • Performed Operating Cash flow management for the Zone, overseeing receivables and collections to ensure over 95% collection in 30 days bucket and managing maximum DSO (Days Sales Outstanding) to less than 90 days. Exception handling for disputed collectables (if any). Key Skills • Payment Operations for ECS (Electronic Clearing System), RECS (Regional Electronic Clearing System), Payment Gateway, EBPP (Electronic Payment and Presentment), Direct Debit and NACH (National Automated Clearing House).• Key Account Management – Ensuing superior service delivery, strict adherence to SLA and TAT. • Consulting clients in diverse industries (Telecom, Utilities, NBFC, Insurance & Mutual Funds, Education, E-Commerce) with useful insights to mitigate financial risk, reduce operating cash requirements, improve fund management, reduce manual intervention and ensure error free dashboards to optimize receivables.• Capability building – Skill-matrix development, deployment and management by up-skilling and cross-skilling• Capacity building – Infrastructure hire-purchase decisions, Personnel recruitment and on-boarding processes• P&L Management – Annual planning and budgeting for Revenues (Service Delivery for East), Investments (Infrastructure – IT and Non IT Assets ) and Expenses ( Admin, Local Claims, Employee promotions and increments)

• Led the 22 member team to ensure smooth functioning of Electronic Payments operations across 14 locations under East zone. Highly critical Electronic Financial data of over 5 Lac transactions per month processed consistently over 2 years at > 99.8% accuracy thus meeting the client expectations and SLAs. • For all the branches of East zone, managed Zonal Administration, Manpower Planning, IT and Non-IT Asset requirement planning and execution at locations, Local vendor management and ECS-RECS Process Training for employees and other financial intermediaries.• Exceeding client expectations of service delivery by resolving all critical escalations quicker than desired TATs (Turn-Around-Time) and proposing best solutions to critical issues resulting in increase of client wallet share by almost 20% in 2 years.• Developed 3-tier governance model for client issue resolution, engagement risk management, and SLA management resulting in 20% quicker onboarding of new service delivery team leaders. • Led ISO9001:2008 implementation in East Zone by setting up local MIS, quality functions and process documentation throughout the 14 locations of the zone. Imparting process training and facilitating the final audit.

Handling International Trade operations - Export & ImportProcessing Trade Financial Transactions & Document Checking against L/C's as per UCP & ISBP guidelinesEnsuring compliance with International Regulatory Requirement and Sanctions Check Certified in International Trade Finance Skill Certified in Anti-Money Laundering & CAAML process in International Trade