Balaji Gunashekaran
Bangalore
Summary
Dynamic and results-oriented professional with extensive experience in payment processing and operations at HSBC. Excelled in Swift Payments and problem-solving, significantly improving payment efficiency and customer satisfaction. Skilled in financial management and customer service, adept at fostering team cohesion and driving process improvements.
Overview
3
3
years of professional experience
Work History
Payments Processor
HSBC
Hyderabad
11.2022 - Current
- Process Non-STP Payments & Manual SWIFT Transactions: Handle incoming and outgoing payments that require manual processing, including creating SWIFT payments based on instruction sets and mapping MT202s to related MT103s.
- Investigate Payment Issues & Collaborate with Teams: Work with the Payments Investigations team to resolve payment issues and clarify discrepancies before processing payments.
- Handle High-Value Payments & MT199 Responses: Process high-value payments based on MT199 responses, ensuring due diligence is performed before execution.
- Manage Communication with Stakeholders: Communicate with Relationship Managers and other parties to resolve conflicts of interest or payment-related issues.
- Support Customer Service & Resolve Complaints: Assist customer service executives with payment inquiries, investigate complaints, and provide quick resolutions for incorrect or delayed payments.
- Develop Efficiency Strategies & Improve Payment Processes: Implement strategies to enhance payment processing efficiency, reduce costs, and improve customer service through streamlined operations.
Payments Operations
CRED
Bangalore
09.2021 - 11.2022
- Resolve Transaction Issues: Address user-related transaction issues through effective communication and resolution.
- Coordinate with Stakeholders: Communicate daily with merchants, payment gateways, and banks regarding loading, settlements, and refunds.
- Monitor Transaction Funds: Track funds used for loading and settlements between merchants, payment gateways, and banks.
- Reconcile Statements & MIS: Validate and reconcile statements and MIS reports from merchants, payment gateways, and banks.
- SQL Query for Data Retrieval: Fetch transaction data from the backend using SQL queries for validation and reconciliation.
- Ensure Transaction Accuracy: Oversee transaction flows to ensure accurate settlements and resolve any discrepancies promptly.
Education
BBA - Finance
Jain University
Bangalore07-2027
Diploma - ECE
MVJ College of Engineering and Polytechnic
Bangalore05.2021
SSLC -
Domlur Higher Secondary School
Bangalore04.2016
Skills
- Payment Reconciliation and Disputes
- SWIFT Payments and Messaging
- Banking Operations and Transaction Processing
- Payment management
- Dispute Resolution
- Customer Service and Support
- Process Improvements
- Critical Thinking and Problem Solving
- Microsoft Office and Excel
- Teamwork and team bonding
- Financial Management
- Payment posting
- Investigative research
- Design and Creativity
- Communication
- Computer Software and Application Knowledge
Accomplishments
- Superstar of the Month (June & July 2024) : Recognized twice for surpassing monthly goals and operational excellence at HSBC Hyderabad.
- Team of the Quarter (Q3 2023 & Q4 2024) : Awarded for exceptional performance by the HSBC Hyderabad to UK Manuals/Repair Team.
- Final Year Project (2019) : Represented the college for Final Year Project presentation at PES University, Bangalore.
- Film Making (2018) : Secured Second Place in Short Film Making at the Inter-College Cultural Fest.
- Poster Presentation (2017) : Won First Place in the Inter-College Poster Presentation for Electronics and Communication components.
Projects
Forest & Wildlife Monitoring (11/01/19) : This project was built using Raspberry Pi and RFID Technology's which was designed to locate, monitor and secure a wildlife it or to build a secure surrounding for them.
Hobbies and Interests
- UI/UX
- Web Design
- Film Making
- Content Writing
- Video Editing
- Photography
- Travel
- Music
Languages
Tamil
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
Kannada
Proficient (C2)
C2
Telugu
Advanced (C1)
C1
Malayalam
Upper Intermediate (B2)
B2
Timeline
Payments Processor
HSBC
11.2022 - Current
Payments Operations
CRED
09.2021 - 11.2022
BBA - Finance
Jain University
Diploma - ECE
MVJ College of Engineering and Polytechnic
SSLC -
Domlur Higher Secondary School
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