Analyzing Retails Banking Operations - CPV & CPA Transaction processiing, Charge backs, Account Maintenance.• Document processes • Measure defects in card processes• Service Quality Scoring for all Credit Cards, Home Loans and Consumer Loans• Setting TATs for all processes – Credit Cards, Loans• Setting Process controls and measurements• Deviation measures and corrective action• Quality Audits on service requests - defect calculation• Root Cause Analysis of Escalated Complaints• Process Improvements• CRM ActivitiesFraud Management : Credit Cards• Setting parameters for risk reviews• Focus on Detection and Containment of frauds. • High Risk Transaction review analysis.• Velocity Monitoring• Counterfeit detection • Report Fraud to associations• Fraud trend analysis• Review Industry fraud report Credit Card Authorisation :-• Authorize credit card transactions and assist the team to make prudent authorization decisions on credit card transactions• Assisting for lost card replacement, Emergency Cash, Service provider for all International Visa/Master credit card holders.• Authorization Transaction analysis – Hot listing cards based on usage analysis.Acquiring -Chargebacks and Settlement•Visa / MasterCard Interchange and Settlement and payment reconciliations including quarterly QMR submissions.•Ensuring that the Visa/ MasterCard compliance guidelines are met in terms of Base II file Transfers.•Resolution of All Incoming Disputes with in the gambit of Visa / MasterCard Guidelines and reconciling the same •Resolution of Merchant Queries within the specified TAT•Advising Business and Risk Departments regarding merchants with excessive Chargeback’sKey Achievements Revamping the chargeback processing with more automation and controls resulting in zero operation losses for the bank

Creates and executes project work plans and revises as appropriate to meet changing needs and requirements. * Identifies resources needed and assigns individual responsibilities. * Manages day-to-day operational aspects of a project and scope. * Reviews deliverables prepared by team before passing to client. * Effectively applies our methodology and enforces project standards. * Prepares for engagement reviews and quality assurance procedures. * Minimizes our exposure and risk on project. * Ensures project documents are complete, current, and stored appropriately. Project Accounting:-* Tracks and reports team hours and expenses on a weekly basis. * Manages project budget.* Determines appropriate revenue recognition, ensures timely and accurate invoicing, and monitors receivables for project. * Follows up with clients, when necessary, regarding unpaid invoices. * Analyzes project profitability, revenue, margins, bill rates and utilization.Financial Management:-* Understands basic revenue models, P/L, and cost-to-completion projections and makes decisions accordingly. * Understands our pricing model and billing procedures. * Accurately forecasts revenue, profitability, margins, bill rates and utilization. * Assures project legal documents are completed and signed.

Project /Practice Management• Creates and executes project work plans and revises as appropriate to meet changing needs and requirements. • Identifies resources needed and assigns individual responsibilities. • Manages day-to-day operational aspects of a project and scope. • Reviews deliverables prepared by team before passing to client. • Effectively applies our methodology and enforces project standards. • Prepares for engagement reviews and quality assurance procedures. • Minimizes our exposure and risk on project. • Ensures project documents are complete, current, and stored appropriately. Project Accounting• Tracks and reports team hours and expenses on a weekly basis. • Manages project budget.• Determines appropriate revenue recognition, ensures timely and accurate invoicing, and monitors receivables for project. • Follows up with clients, when necessary, regarding unpaid invoices. • Analyzes project profitability, revenue, margins, bill rates and utilization.Financial Management• Understands basic revenue models, P/L, and cost-to-completion projections and makes decisions accordingly. • Understands our pricing model and billing procedures. • Accurately forecasts revenue, profitability, margins, bill rates and utilization. • Assures project legal documents are completed and signed. Business Development• Identifies business development and "add-on" sales opportunities as they relate to a specific project. • Effectively conveys our message in both written and verbal business development discussions. Client Management• Manages day-to-day client interaction. • Sets and manages client expectations. • Develops lasting relationships with client personnel that foster client ties. • Communicates effectively with clients to identify needs and evaluate alternative business solutions.

 Operations Managemento Setting up & maintaining CTQ (Critical To Quality) / CTP (Critical To Process) targets for the team.o Providing Cross Training to Process Associates to handle High Volume Situations and reduce Idle Time.o Ensuring CTQ closure: Productivity-Capacity Based Turn Around Time (TAT) through Time studies & Capacity Planning and Accuracy Base-Lining. Credit Appraisalso Appraising proposals of Credit Cards ensuring adherence to the pre-set TAT / deadlines.o Conducting risk analysis and scrutinizing relevant documents like before sanctioning / disbursing the credit limits ensuring compliance with organisational credit policies.o Over seeing comprehensive study of the credit worthiness during the process of sanctioning credit/ loan to corporate / individual clients through all the primary and secondary researches.o Making collection of Post Disbursal documents and driving steps of escalating the process of disbursement with accuracy based & fast turn around time.Authorization : • Assist and supervise the team to make authorization decisions on credit card transactions• Approving Authority for high amount/over limit authorization• Conduct complete UAT on authorization modules for all new projects and co-brand products. (Have done all UAT till date for ICICI Bank credit card authorization)• Prudent risk management – Parameter setting for card transaction• STIP Parameter setting for Visa and Master• Reviewing MCBS and Visa Integrated Billing Services• Reviewing Visa and MasterCard Bulletins• Screen credit card applications and send profiles for verifications.• Anticipate the problems and the requirements of the department

Reveiwing and Decisioning Credit Card applications. Performing credit assessment with due vigilance to detect potential fraud. Responsible for data entry of receipts, approved & declined applications in system. Monitoring the verification of reports which is essential for verifying the application. Preparing check Report for embossing the credit cards & maintaining records of Approved & Declined Applications. Responding to the customer queries and offering them viable solution to their problems. Scrutinizing and verifying legal documents (ITR, Form – 16). Reviewing the Cibile & Dedup reports for decision making process. Centralising coordination for few Banks entailing Consumer Finance 6 hrs TAT, Retail and Cards 24hrs and Income Documents 24hrs. Handling Pan India Project involving daily coordination with HSBC Bank through a team of 30 team members. Ensuring adherence to the pre-defined daily TAT and generating MIS reports based on the performance. Leading a team of 20 members for SCB Personal Loan CPV operations and a team of 35 members for conducting employee verification. Collecting and reviewing the auditing reports submitted by the Field Executives. Monitoring the daily TAT and generating monthly MIS reports and forwarding the same to the management. Centralizing coordination for UTI Bank Credit Cards. Handling entire Pan India activity with an average volume of 5000 verifications( Resi,off )per day. Conducting various training programmes across 40 Pamac locations. Keeping a track of daily TAT and preparing monthly MIS reports for decision-making

Roles and ResponsibilitiesTaking final decision for credit-card applications on the basis of F.I. reports and assigning Credit Limit accordinglyHeading a team of 40 member and rendering effective policy training to them to enhance their professional skills.Ensuring achievement of the projected targets set by top management and taking decision on review applications.Performing credit assessment with due vigilance to detect potential fraud.Responsible for data entry of receipts, approved & declined applications in system.Monitoring the verification of reports which is essential for verifying the application.Preparing check Report for embossing the credit cards & maintaining records of Approved & Declined Applications.Responding to the customer queries and offering them viable solution to their problems.Scrutinizing and verifying legal documents (ITR, Form - 16).Reviewing the Cibile & Dedup reports for decision making process.

Roles and ResponsibilitiesSelling & marketing Vivid HDFC bank products including Assets and Liabilities.Handling the distributor network and setting up channels to boost sales and expand the market coverage.Conducting training and demonstrations using Kiosk.Setting up the monthly targets and coordinating / nurturing team efforts for accomplishment of the targets.Supervising the sales and marketing teams and motivating them to achieve the projected targets.