Akshaya Chile
Product Manager
Mumbai
Summary
Strategic and results oriented professional with over 11 years of experience in Product Management across banking, payments and fintech domains. Well-known for driving digital transformation, delivering high-value products, and adopting cross-functional collaboration to achieve organizational success. Elevated through various levels of responsibilities. Currently, seeking a role in a dynamic organization to leverage my expertise in product strategy, innovation and business growth to enhance customer satisfaction and deliver impactful results.
Overview
15
15
years of professional experience
2014
2014
years of post-secondary education
Work History
Senior Manager
HDFC BANK LTD
07.2020 - Current
- Responsible to work on regulatory (UIDAI, NPCI and RBI) Compliance projects pertaining to eKYC and Aadhaar Enabled Payments Systems (AePS) and to ensure adherence to the regulatory guidelines
- Defining and executing product roadmaps to deliver timely releases aligned with business goals
- Monitoring regulatory changes to ensure platform compliance and optimized user experiences
- Working with Banks business teams and stakeholders to understand their expectation / requirement and implement it in processes
- Working jointly with Technology team to improve / enhance Bank’s e-KYC and AePS applications and processes
- Skilled in risk identification, assessment, and mitigation for product delivery and business processes
- Transformed product strategy into user stories and enhanced AePS offerings through performance analysis
- Work Closely with Technology, Operations, Compliance and other support teams in effectively launching new digital products and services to improve eKYC penetration across Bank
- Played crucial role in migrating Bank’s AePS set up from outsourced vendor to new in-house vendor migrating 25000 users / BCs PAN India to new system
- Responsible for creation business requirement document for changes and new product / services development, coordination with internal stakeholders for testing, implementation and rollout by members
- Performing UAT testing of requirement delivered and providing the walkthroughs of requirement to business teams and implementing in production
- To work with internal teams (Analytics / Operations etc.) for gathering information & preparing, presentations, MIS and reports for internal stakeholders
- Ensured adherence to Bank’s Internal compliance and guidelines
- Handling annual UIDAI Aadhaar and internal audits
- Achievement: Received the 'Gold Star' & 'Silver Star' award for achieving 50 million in AePS and eKYC
Manager
Zaggle Prepaid Ocean Services Pvt.Ltd
10.2019 - 06.2020
- Handled co-brand prepaid / gift card issuer integration with Bank and Network
- Streamlined financial services operations and loyalty program integrations
- Supported sales with product demonstrations, closed deals, and integrated client feedback into product improvements
- Achievement: Launched Zaggle prepaid card in partnership with RBL Bank and Yes Bank
Asst Manager
Atos Worldline India Pvt. Ltd
10.2018 - 10.2019
- Possess in-depth knowledge on reconciliation processes, ensuring accurate fund management and compliance
- Managing and Implementation New Projects for Credit, Debit and Prepaid Cards
- Achievement: Prevented revenue outflow worth 1.2 million by enhancing reconciliation processes
Asst Manager
Fino Payments Bank Ltd
11.2017 - 10.2018
- Incorporated & Implemented day to day process in order to run seamless fraud risk operations
- Handling Regulatory Reporting & Compliance
- Analyzed financial transactions to determine irregularities & suspicious activity
- Assist organization to maintained effective & efficient controls in order to reduce the number of dispute cases
- Prepared Standard Operating Manuals, Process Notes, Training Materials & User Guides
- Analyzing the fraud data available and identify the key risk indicators
- Achievement: Prevented AePS and ATM fraud transactions count by enhancing the rules
Asst Manager
HDFC BANK LTD
02.2016 - 11.2017
- Implemented dispute management processes for ATM, POS, and AePS products
- Involved in Settlements & Reconciliations of ATM and POS transactions for Acquiring and Issuing Transactions
- Settlement generation, verification and UAT optimization for enhanced ATM and POS report
- Achievement: Automated reconciliation, reducing settlement posting errors by 30%
- Achieved 95% success in resolving customer disputes on time
Officer
Axis Bank
10.2013 - 01.2016
- RPA automation
- Handling ATM disputes – Acquiring & Issuing, Banking Ombudsman Complaints, Legal Complaints for IMPS, UPI, ATM and Credit Card
- RBI Quarterly Reporting for ATM withdrawal failed customer complaints
- Dispute analysis and submission of data for board monthly review
- Involve in Audit and Compliance for ATM
Junior Officer
Abhyudaya co-op bank
05.2010 - 08.2011
- Worked with Retail Liability Team for opening CASA Account for Retail Customers and liaising with the Branches for resolving CASA Account deviations
Education
MBA - Finance
B.Com - undefined
Skills
Customer Support
Product Management
UAT Testing
Data Analytics
Program Management
Requirement Gathering
BRD Preparation
Audit & Compliance
Personal Information
Date of Birth: 04/07/89
Timeline
Senior Manager - HDFC BANK LTD
07.2020 - Current
Manager - Zaggle Prepaid Ocean Services Pvt.Ltd
10.2019 - 06.2020
Asst Manager - Atos Worldline India Pvt. Ltd
10.2018 - 10.2019
Asst Manager - Fino Payments Bank Ltd
11.2017 - 10.2018
Asst Manager - HDFC BANK LTD
02.2016 - 11.2017
Officer - Axis Bank
10.2013 - 01.2016
Junior Officer - Abhyudaya co-op bank
05.2010 - 08.2011
University of Mumbai - B.Com,
University of Mumbai - MBA, Finance