Aslam Razac
Banking Operations
Ipswich,Suffolk
Summary
Accomplished professional with over 10 years of experience in banking operations, specializing in clearing, digital payments,CMS, NACH, and insurance processes, with a background spanning multiple cities.
Overview
11
11
years of professional experience
5
5
years of post-secondary education
4
4
Languages
Work History
Senior Manager
Jana Small Finance Bank
12.2019 - 03.2025
- Led pan-India operations for CTS Clearing, NACH/ECS, Digital Payments, CMS, and Insurance processes, including process setup, documentation, and team coordination.
- Successfully led the migration for the CTS 'One Nation, One Grid' initiative.
- Managed both Inward and Outward clearing end to end process.
- Managed branch queries, customer complaints, and liaised with banks and vendors to resolve issues efficiently.
- Prepared and published comprehensive MIS reports for top management and regulatory authorities, including RBI reporting.
- Conducted training sessions on CTS and NACH operations, created and maintained training materials, and supported UAT for process automation.
- Oversaw core banking functions, including branch creation, cheque book tagging, office account reconciliation, and coordination with vendors for system setup.
- Experienced in UAT testing for payments systems (NEFT, RTGS, NACH, CTS) on FlexCube; participated in test automation for improved process efficiency.
- Ensured compliance by resolving audit queries, overseeing invoice processing, and managing vendor agreements and adherence to billing standards.
- Managed a team of 8, overseeing manpower planning, hiring, periodic training, leave management, and performance reviews.
- Drove process automation and improvements, analyzing workflows for optimization.
- Administered insurance processes, including issuance, remittance, and death claim settlements.
- Maintained strong knowledge of IMPS, NEFT, RTGS, UPI and other payment domains, with extensive experience in the testing and automation of payment applications.
Deputy Manager
Kotak Mahindra Bank
06.2017 - 12.2019
- Handled overall activities of Inward and Outward clearing.
- Monitored and reconciled office accounts, providing daily reports to the Regional Head.
- Managed customer and retail branch queries and complaints, ensuring swift resolution.
- Oversaw process improvement initiatives for CTS cheque clearing operations.
- Prepared and presented various MIS reports for top management review.
- Coordinated with other banks to resolve claims and complaints effectively.
- Conducted training sessions focused on cheque clearing processes and fraud prevention.
Assistant Manager
Axis Bank
01.2014 - 05.2017
- Full proficiency in CTS (Cheque Truncation System) Clearing operations, including inward and outward clearing.
- Efficiently handled and resolved all branch queries within TAT.
- Ensured adherence to bank procedures, maintaining compliance with all regulatory standards and internal guidelines.
- Investigated customer-committed fraud in cheques and reported incidents to the RBI.
- Reconciled and identified erroneous credits and debits, collaborating closely with support teams for defect analysis and tracking.
- Identified areas for improvement and implemented strategies to enhance customer satisfaction while minimizing operational costs.
- Experienced in Finacle operations.
- Managed outward returns and processed credit uploads for payees within RBI-specified cutoff times.
- Conducted training sessions and exams for new hires, promoting a strong onboarding experience.
- Prepared and maintained MIS files according to branch compliance requirements, regularly updating the unit.
Education
MBA -
Viswa Viswani Institute of Management & Science-Osmania University
07.2012 - 05.2014
B.com - undefined
Sri Vyasa NSS College
08.2008 - 05.2011
Skills
- Ability to Multitask
- Communication
- Computer Skills
- Communication Skills
- Microsoft Office
- Project Management
- Leadership
Personal Information
- Date of Birth: 09/17/90
- Nationality: Indian
- Place of Birth: Kerala
Timeline
Senior Manager
Jana Small Finance Bank
12.2019 - 03.2025
Deputy Manager
Kotak Mahindra Bank
06.2017 - 12.2019
Assistant Manager
Axis Bank
01.2014 - 05.2017
MBA -
Viswa Viswani Institute of Management & Science-Osmania University
07.2012 - 05.2014
B.com - undefined
Sri Vyasa NSS College
08.2008 - 05.2011
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