Developed leadership and strategic planning skills in fast-paced corporate environment. Demonstrates expertise in Network Payment Recon, Settlement , Dispute, Automation and team development, with focus on delivering results and optimizing performance. Looking to transition into new field, bringing wealth of transferable skills and commitment to continuous improvement.
Hi, I’m
Avinash D Wangilkar
Chennai,TG
Summary
Overview
15
years of professional experience
1
Certification
Work History
Standard Chartered Bank
Senior Manager
11.2023 - Current
Job overview
- Working with Standard Chartered GBS as Senior Manager, For Network payment Settlement Management for Global Africa Market which Includes Standard chartered bank's Six countries, kenya, Uganda, Tanzania, Ghana,Botswana and Zambia.
- Managing Debit, Credit Card and Wallet Networks Settlement.
- VIBS and MCBS Fee and charges management.
- Finalizing the functional scope of the settlement related requirements and sharing inputs to internal development team for the implementation.
- Conduct regular review meeting with client to understand and address their concerns
- Risk management and contingency planning.
- Managing team to complete the task & understanding individual’sbehavior towards the process & Resource Management. Current team strength is 15 resources.
- To ensure that no non compliances are reported by any of the internal / external auditors during audits conducted both at respective country Bank.
IDFC First Bank Ltd
Manager
03.2023 - 11.2023
Job overview
- Working with IDFC First Bank Ltd as Manager, Managing Cards Payments Recon at CPU, Thane
- Managing Cards product Recon For Rupay, Visa, Master Card, AEPS, NFS, & Chargeback Monitoring
- Preparing BRD/FSD, UAT for Recon app development
- Monitoring Recon Payable/ Receivable GL'S
- Responding Concur Audit queries and Sharing data
- Handling vendor & IT related queries
- Key Role: Rupay, Visa, Master Card, NFS, AEPS Dispute, Recon, chargeback Monitoring BRD/FSD, Automation, UAT
Utkarsh Small Finance Bank Ltd
Deputy Manager
09.2021 - 03.2023
Job overview
- Working with Utkarsh Small Finance Bank Ltd as a Deputy Manager (Team Lead) managing Digital Payments Team at Central Processing Unit, Sanpada
- Leading a Team for UPI /UPI Lite /IMPS/BBPS/BILL DESK – Recon, Settlement, Dispute a, Automation at Central processing department
- Taking Care for Payment related Automation Task for Inhouse and External development
- Analyzing Gap between required Automations modules in recon systems
- Writing stories /BRD
- Successfully started a UPI UDIR System for TCC, DRC RET, RRC
- Successfully started UPI Merchant Transaction Recon and Dispute
- Successfully executed UPI Lite Recon & settlement process as USFB is first small finance bank to launch upi Lite
- UPI Merchant offline onboarding on mindgate admin portal, checking KYC related doc
- Generating VPA For UPI Onborded Merchant & Updating settlement Account
- Team is Processing End to end Three way UPI/UPI Lite/IMPS recon, manually on Excel
- Making RBI mirror Account Zero on T+1 by setting internal Beneficiary and Remitter Account
- Monitoring UPI /IMPS Flagging Transaction such DRC, RRC, RET, TTC, COMPLAINT RAISE etc
- Monitoring GL Justification for Remitter and beneficiary and making Zero on daily basis as well tracking disputes and adjustment GL
- Tracking CBS Failed Txns and reversing as per RBI Harmonization TAT
- Managing All Disputes of IMPS/UPI Txns as per NPCI TAT and providing resolution accordingly such as remitter chargeback, beneficiary chargeback Tracking, Acceptances or re-presentment, Deemed chargeback, pre-arbitration ETC
- Following UP with NPCI Team, and respective vendors if any issues or query
- Providing GL Substantial reports to Audit Team on Monthly basis for respective GL
- Answering to internal Auditors Txn related queries
- Functionally Assisting to IT Team to develop the Recon application with help of vendor
- Presenting monthly Txns Volume data with Fee and charges details to business Team
- Monitoring Dispute CRM for All Recon products
- Team is manually Onboarding UPI Merchant by validating respective documents
- Developing Tools from Vendor or Internal IT Team as per Agile methodology
- Providing BRD Documents for Under Developing recon related products as per NPCI and RBI Guidelines
- Tested UPI3.0 Version on UAT
- Presenting system requirement documents as per New Changes Circular from NPCI & RBI
- Checking UAT Sanity for CBS and other Tool
- Successfully Launch Accounts status checking Tool with the help of internal IT Team
- Which is very helpful for bank
- Key Role: Team Lead– UPI, UPI Lite & IMPS BBPS Recon Settlement & Dispute, BRD/FSD, Automation, UAT
Axis Bank Ltd.
Deputy Manager
03.2020 - 09.2021
Job overview
- Worked with Axis Bank Ltd as a Deputy Manager in Centralized Recon & Settlement Department Airoli
- Processing Visa Network Debit Card3 Way ATM & POS Recon & Settlements for Axis Bank
- Downloading CBS File from Finacle for Visa POS On Us Payable, POS Off Us payable & ATM Payable GL & cross checking with Next Day Opening GL balance
- Downloading Visa Interchange Files from SFTP Server which are being received from Atos Team, checking all Received Files & modifying the same for recon processing
- Visa Debit card recon has been categorized in Four Type
- 1] Visa POS On us vs Recon ii] Visa issuing Recon POS & ATM iii] M Visa Recon iv] VFF Recon
- Extracting Switch TLF & PTLF File at DCRS Latest Application for all Debit Card Network
- Extracting Visa ATM & POS On Us, Off Us & VFF Transaction GL Files (HOST)
- Extracting Visa Debit Card Interchange Files (POS On us, POS EMV, MICS, IC FILES, M VISA)
- Processing Merchant Refund for all OFF US & ON US Atm & Pos Transaction on T+4
- Generating TTUMM File (Trickle Feed) & posting same to Finacle through DCRS App
- Checking Rejected Trickle Transaction due to inactive of Customer Account, for same posting a manually finacle batch to Branch account
- Processing3-way Recon between Switch VS Host VS Interchange for all ATM & POS Off us & On US, M VISA, VFF Txn
- Generating TIPS & Charges Trickle Feed & posting the same
- Processing FORCE MATCH transaction scenario for CTF, ILF & HST Transaction & According to scenario generating Trickle Feed on T+4
- Posting all CTF, ILF & HST Transaction ESB Batch (TTUM) to Finacle through DCRS application
- Checking Non posted transaction in posted TTUM Due to inactive of customer account, preparing manual trickle feed and posting same entry to branch network account
- For all Recon Generating GL Justification Report to match opening GL balances, Reconciled Transactions & Unreconciled transaction GL balances on daily basis
- Co coordinating with bank Dispute Team & Accounting Team for query pertained to Visa Recon
- Preparing various MIS Reports on monthly basis for VISA Debit Card Recon
- Successfully started Robotics recon- Raised BRD, Tested UAT sanity
- Robotics recon started together in all recon system enviorument like CBS, Switch, FSS recon Toll, interchange
- Key Role: Debit Card- Visa Issuing & Rupay Acquiring Recon
Financial Software System Pvt. Ltd
Sr. Technical Associate
06.2016 - 02.2020
Job overview
- Worked with Financial Software System Pvt
- Ltd as a “Sr
- Technical Associate” in Recon Operations – Team from20th June2016 to Feb2020
- Worked on site Project of State bank of India at Reconciliation & Settlements Department
- Processing ATM & POS3-way Reconciliation & Settlements for SBI Foreign Offices (11 country)
- Downloading CBS, Switch files, Interchange Raw files & Settlement files (Master card & visa) from SBI SFG Server (SBI Files Sharing System)
- Checking all Raw Files Before processing for reconciliation like date, Header Footer, country wise files etc
- Processing Finacle CBS Files Extraction & Switch Log Files (TLF & PTLF) Extraction in FSS DCRS system for recon purpose
- Processing Recon Between Finacle CBS Files & Switch Log Files (TLF & PTLF)
- Generating Switch Reports & Host Recon reports for SBGROUP Country
- Extracting Interchange Acquiring & Issuing files (Visa & Master Card) for respective Country in FSS DCRS Interchange System
- Switch data insert on DCRS interchange system to execute recon between Switch and Interchange
- Executing Reconciliation process between SWITCH and Interchange (Visa /Master Card) for Acquiring & Issuing Transactions of respective countries
- Checking MDU & MDS (Master Card) Extracted Transaction reports with Master Card Settlement (TT140 & TT461) reports
- Checking Visa issuing & acquiring Extraction Reports with Visa Settlements
- On Daily basis sharing FO Switch reports, Host ATM recon reports, Visa / Master Card Recon reports & Settlement files to respective Country (SB Group banks)
- Coordinating with SBGROUP Banks to solve recon & settlement related queries
- Executing basic SQL queries
- Checking productions logs if any error occurred and sending same to FSS Development Team
- Making BRD as per system requirement and sharing same to internal FSS Team
- Testing new requirement on UAT and providing feedback to development Team
- Checking UAT sanity
- Key Role: FO ATM Reconciliation (Visa & Master Card)
Shriram Transport Finance Co. Ltd.
Assistant Executive
02.2010 - 06.2016
Job overview
- Company Overview: Shriram Transport Finance Co
- Ltd
- (STFC), India’s largest player in the transport financing business
- It is a (NBFC) Non-Banking Finance Company with a large network covering more than620 branches and service center
- Checking and processing of all payment requests related to employee and vendor
- Scrutiny & Verification of Expenses Supporting To see that payment to be made is as per Company’s norm
- Approving Expenses in respective GL Codes
- Preparing cheque/DD/NEFT/Fund Transfer Payment in excel as per respective banks uploading format
- Passing all payment entries related to employee payment and vendor payment in various Bank GL Codes
- Interact with BRS team and solving queries
- Reconciliation of the payments and monitor accounts to ensure payments are made up to date and resolve any discrepancies
- Interacting with Internal Auditor and solving audit queries
- Preparing Various MIS Report (Bank wise payment Report, Cheque/DD cancellation Report, NEFT rejection Report.)
- Key Role: Account Payable for45 branches
Education
Sikkim Manipal University
MBA
01.2012
University Overview
GPA: 58.00%
M.P.A.S.C College, Panvel
B.COM
01.2008
University Overview
GPA: 52.00%
V K Junior College, Panvel
HSC
01.2005
University Overview
GPA: 60.9%
V K Highschool Panvel
SSC
01.2003
University Overview
GPA: 52.26%
Skills
Team management
Training & Development
Streamlining Process
Process documentation
Client interaction
Accomplishments
Accomplishments
- Honored by Axis bank Elite RNR Award -2021 For successfully implementation of robotics Recon (Rupay Acq/Visa Issuing debit card ) Axis bank is the first in industry to implement a robotics recon.
- Honored by Best Team Leader award -2022 at Utkarsh small Finance bank to make error free and smooth work and internal system developments.
- Received a Best Team Award -2022 at Utkarsh small Finance bank
Disclaimer
Disclaimer
Date of Birth:21st March,1988 Marital status: Married. Permanent Address:1101, Krishna Darshan apartment, opp. bhagwati hospital, Badlapur West-421503. Languages Known: English, Marathi & Hindi Location Preference: Navi – Mumbai / Mumbai I do hereby declare that the particulars of information and facts stated herein above are true, correct and complete to the best of my knowledge and belief.STRENGHTS
STRENGHTS
Dedicated, Creative, Enthusiastic, Good Communication, Ability to Adapt to New EnvironmentCertification
- Lean Management: Certification
- Fintech-practitioner course on payment gateway and QR code.
- How to manage and influence your virtual team.
- Root cause analysis: 5 whys diagram
- Business Analyst : project management Technique and Tools.
- Digital Banking and information Technology (IT) in bank
- Fintech Governance and inclusion
Languages
Marathi
Bilingual or Proficient (C2)
English
Bilingual or Proficient (C2)
Hindi
Bilingual or Proficient (C2)
Tamil
Elementary (A2)
Timeline
Senior Manager
Standard Chartered Bank
11.2023 - Current
Manager
IDFC First Bank Ltd
03.2023 - 11.2023
Deputy Manager
Utkarsh Small Finance Bank Ltd
09.2021 - 03.2023
Deputy Manager
Axis Bank Ltd.
03.2020 - 09.2021
Sr. Technical Associate
Financial Software System Pvt. Ltd
06.2016 - 02.2020
Assistant Executive
Shriram Transport Finance Co. Ltd.
02.2010 - 06.2016
M.P.A.S.C College, Panvel
B.COM
V K Junior College, Panvel
HSC
V K Highschool Panvel
SSC
Sikkim Manipal University
MBA
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