Adarsh Kumar
Product Manager - Liabilities
Vakola, Santacruz, Mumbai
Summary
Be an industry recognized individual in banking and payments technology space.
A techno functional banker with a versatile work experience of over 25 years majorly into process improvements and business process re-engineering.
Handled back office operations and service quality projects with deep understanding in branch operations and processes.
Product development, risk management and customer relationship management being the core areas.
Handled diverse team strategies implementations thereby enhancing business volumes and growth.
Expertise in managing back and front office operations with key focus on top-line and bottom line profitability.
Adept in adherence of procedures, service standards and operational policies to ensure seamless smooth workflow.
Overview
26
26
years of professional experience
9
9
years of post-secondary education
Work History
Assistant Vice President
YES Bank Ltd
Mumbai
07.2016 - Current
- Currently involved in enhancing capabilities of business intelligence engine namely FCR, YES GREEN, Kaleidoscope version 2.0 Verification of various releases in specific self designed testing use cases or scenarios in respective application or report being developed or changed functionality in this business vertical
- Was actively involved in core‑banking transformation function where it involved enhancing Flex‑cube version of 6.2 to 11.6
- Provide inputs on improvement areas and verify logic if same is and in line with actual requirement given to users
- Was recognized with CEO's League of Excellence award for successful up-gradation of core‑banking software of various modules and active support in familiarizing new core‑banking function in within bank
- Reviewed, identified, updated and prioritized strategic initiatives to provide comprehensive support to senior leadership.
- Run through many schedules of VAPT, test scenario's and simulations needed for improved version of core banking
- Identify gaps in testing and re‑draw test scenario's and see end and get it in line with expected result
- Devise self driven training simulation for better training and understanding of each module using Flash related and business process flows (GIEOM) app
- Run through various testing schedules of VAPT, test scenarios and simulations needed for improved version of core‑banking
- Identify gaps in testing and re‑draw test scenarios, check test impact to get expected results
- Finalize various rounds of testing interfaces with various stakeholders in event of test migration
- If needed suggest for various EOD/EOM/EOY sessions needed for core‑banking modules
- Monitor testing gaps in new old functionalities for alignment in to new core‑banking upgrade
- Support in various business dry runs of core banking module and outline action plans in terms of capturing business results into JIRA defect tracking module
- Log in wish list in conjunction with various stakeholders for branch banking.
Senior Manager - BPR and Service Excellence
YES Bank Ltd
Mumbai
04.2015 - 06.2016
- Was integral part of upgrade programme where certain business features were to be revisited and re‑aligned with business objectives
- Liaison with business leaders on explanation of new functionalities in upgraded version of Core‑banking software namely Flex cube version 11.6
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Was part of big project where handing over of customer related instructions from various branches to National Operating centers of Guru gram and Mumbai were controlled in pilferage of losing in transit.
- Kick off of centralized version of Deliverable Management system for bank where tracking was to be done end from originating of customer deliverable till end of process of customer receipt
- Monitoring various processes in branch banking and leading them to operational excellence by identifying various non‑value adds in existing processes
- Tracking RBI circulars update on customer services and collation of same in single repository.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Developed and implemented performance improvement strategies and plans to promote continuous improvement.
Senior Manager Fraud Containment Unit
YES Bank Ltd
Mumbai
09.2012 - 03.2015
- Maintained frequent interaction with senior management to measure goal achievement and determine areas of improvement which helped in focus of efficiency by over 35%
- Work experience repository for dissemination in within team
- Benchmarking products and services with competition and making them in line for various service related deliverables at branches through separate project initiative
- Detailed study and rationalization of templates and respective tasks assigned to individual template for various user groups in core‑banking software. Produced staffing matrix to provide adequate coverage of department.
- Formulated unit and risk parameters required for forensic scrutiny including evaluation of risk parameters in setup of forensic scrutiny process along with unit head
- Established goals or triggers within unit post discussions with alternate members in division located at Guru gram and finalization of same with unit head
- Provided updates in sampling process where probable risk to sourcing channels were identified and highlighted to leadership of region
- Advised on managing various MIS's required for assessment to top management with eye for understanding automation requirements and placing them with respective business unit.
Manager Operations and Business Technology
HDFC Bank Ltd
Mumbai, Maharashtra
04.2002 - 06.2012
- Played in integral role in transformation project of core‑banking migration project which involved bug tracking and gap analysis of various data sets of migration
- Working as Team Lead for iterative runs carried out in phased manner using clearing sector as basis for migration into schemas of Oracle databases/projects
- Analyzing impact of migration strategy thereon
- Overseeing mutual fund operations business inclusive of transactions processing and authorizations in respective transaction processing modules
- Second eye check for verified calculated and balanced unit's & AUM's for various modes done by the customer on account of transactions done by team members
- Tracking of brokerage structures where settlements are not being done by AMC's to bank
- Provided inputs on automation to development unit@ BTG with bid to automate existing process and key emphasis on business rules
- Supported and handled end to end closure of statutory and ISO audit queries were important highlight entrusted in this job role
- Holds distinction of excelling in various process improvement six sigma projects including certification of ISO 9001:2008 and compliance of standards set year on year
- Handled various aspects of liabilities account openings like savings, current, fixed deposit account openings, activation of debit cards, third party fund transfers and overdrafts on savings and current accounts against fixed deposit collaterals, immovable asset collaterals, salary uploads and pension disbursements
- Identify valid combinations of de-duped customers and reported cases which were suspicious and fraudulent customers at time of processing application
- Transformed entire record management activities by drawing process end to end on archival process.
- Managed team of employees, overseeing hiring, training and professional growth of employees
- Used coordination and planning skills to achieve results according to schedule
Sr. Executive CPA
Lovelock and Lewes Services Pvt Ltd
Mumbai, MH
03.1999 - 12.2001
- Handled all back-office operations for Retail Asset Products in terms of CAM assessment till final disbursement of clients namely ICICI Home Finance Co.
- Established modeling of entire structure of pre-approved list of builders in and around Mumbai and New Mumbai thereby streamlining process to very large extent to about 10%
- Collaborated with team members to achieve target results
- Identified issues, analyzed information and provided solutions to problems
- Participated in continuous improvement by generating suggestions, engaging in problem-solving activities to support teamwork
- Developed and maintained courteous and effective working relationships
Executive - CPA Operations
PAMAC Finserve Pvt Ltd
Mumbai
04.1996 - 03.1999
- Handled all back office operations for Retail Asset Products in terms of CAM assessment till final disbursement of clients for Retail Assets Product.
- Have improved efficiency of operations to about 25% by bringing in automation at very nascent stage of operations.
- Located bottlenecks to streamline existing processes
- Identified trends and assessed opportunities to improve processes and execution
- Anticipated and tracked operational and tactical risks to provide strategic solutions
- Collaborated with back-office team members to facilitate seamless business execution
Education
Post Graduate Diploma - Data Science And Business Intelligence
Great Lakes Institute of Management
Mumbai, MH 01.2018 - 12.2019
Post Graduate Diploma - Finance Management
Welingkars Institute of Management
Mumbai, MH 04.1995 - 03.1996
Some College (No Degree) - Basics in Software Applications
Data Point Institute
Mumbai, MH 04.1995 - 03.1996
Bachelor of Commerce and Accountancy - Commerce and Accountancy
University of Mumbai
Mumbai 04.1991 - 03.1996
Skills
MS Officeundefined
Timeline
Post Graduate Diploma - Data Science And Business Intelligence
Great Lakes Institute of Management
01.2018 - 12.2019
Assistant Vice President
YES Bank Ltd
07.2016 - Current
Senior Manager - BPR and Service Excellence
YES Bank Ltd
04.2015 - 06.2016
Senior Manager Fraud Containment Unit
YES Bank Ltd
09.2012 - 03.2015
Manager Operations and Business Technology
HDFC Bank Ltd
04.2002 - 06.2012
Sr. Executive CPA
Lovelock and Lewes Services Pvt Ltd
03.1999 - 12.2001
Executive - CPA Operations
PAMAC Finserve Pvt Ltd
04.1996 - 03.1999
Post Graduate Diploma - Finance Management
Welingkars Institute of Management
04.1995 - 03.1996
Some College (No Degree) - Basics in Software Applications
Data Point Institute
04.1995 - 03.1996
Bachelor of Commerce and Accountancy - Commerce and Accountancy
University of Mumbai
04.1991 - 03.1996
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