BALAM SINGH NAYAL
Virar
Summary
Seeking a challenging position to utilize my skills & abilities in areas of banking & finance which offers a professional growth while being resourceful, innovative, flexible to excel in my field through hard work. I have a strong determination to succeed in anything that may come with constant desire to learn & grow
Reliable Manager demonstrating high level of ownership and initiative. Possessing exceptional work ethic and desire to go above and beyond to exceed company expectations. Offering knack for building productive working relationships. Successful in fast-paced, deadline-driven environments to manage goals and team development. History of thriving in team-oriented environments.
Overview
13
13
years of professional experience
Work History
Manager Operations
AIRPAY PAYMENT SERVICES. ANDHERI
Andheri
02.2024 - Current
- Majorly involved in the process (AEPS, DMT, BBPS, AXIS CDM, CASHIN, EVALUE, UPI, COLLECT MONEY, INSURANCE, POS, RECHARGE, EMITRA, FASTAG, GOLD, MICRO - ATM)
- Bank Reconciliation Process (T+0 & T+1)
- Day to Day payout
- Monitoring Real-Time Transactions
- Monitoring refunds, Chargebacks, and Fraud Transactions
- Coordinating with Retailer and Sales Team
- Coordinating with Team to approve Request within the TAT
- Fund movement activity
- Preparing daily MIS to track the count of transactions of each retailer
- Processing Payout to the retailer for AEPS transaction via NEFT, IMPS, RTGS every two hours
- Resolving queries within the TAT
- Coordinating with banks for payout and other queries
- Coordinating with Tech team for process-related and automation
- Invoicing.
Assistant Manager
Worldline Epayment
12.2021 - 02.2024
- Managing the day-to-day operations for PG reconciliation and ensuring that the Merchant Payment Report received from banks are uploaded on time
- Ensure fund claim request is submitted on time with banks and should follow up for on time fund transfer
- Coordinating with banks with for bank recon files and processing refunds
- Customer grievance, issues and complaints should be resolved as per SLA and TAT
- Sharing MIS reports to Seniors as per defined timelines
- Report operational and system issues on time to your seniors and follow up with concerned
- Internal and external stake holders for earlier resolution
- Sharing monthly revenue MIS reports with all banks.
Operations Officer
INDIAIDEAS.COM LTD (BILLDESK)
10.2015 - 12.2021
- In Recon for back-end operations of firm
- Handling bank reconciliation of Payment gateway transactions
- Strategic approach towards clearing outstanding summaries SNR unreconciled
- Co-ordinate the activities with staff and getting things done
- Handling the escalation query which receives on the mail
- Updating of refund of PG transactions & solving the same
- Preparing Refund MIS
- Handling PG Transaction queries, Reconciliation of Inward file received through various banks
- Handling the escalation query which received on the mail & prompt action on all queries
- Handling queries related to Google pay transaction/HDFC UPI dispute reverted/interacted with acquirer proactively with relates to refunded transaction
- Preparation & Presentation of daily reports & MIS activities
- Validation & verification of all kind of documents pertaining to chargeback.
Support Executive Backend operation
Worldline (Atos Group)
12.2012 - 10.2015
- Handling of Various Bank Credit Card Issuance Process for PAN India Level for Bank such as IDBI Bank, Bank of India, Corporation Bank, Bank of Bhutan, Syndicate, Union Bank of India etc
- Of Pre issuance and post issuance process both
- Handling clients and customer escalations
- Coordination with the Data Entry Team for the Data Entry to be done in our Web service portal for the processing of KYC of the credit card application for various bank
- Coordination with the Embossing team like Morpho and Oberthur for card embossing after processing the cards
- Co Ordination with the Courier team for the Dispatch Related queries for the Cards and ATM Pin Dispatch to the Customer and bank
- Preparing Daily Reports for the various Operational activities for Vendors and Bank
- Preparing the Daily reports for the Back End Issuance team
- Preparing Dashboard and octopus for the different bank wise to update to the clients and vendors
- Preparing the Inward report and dispatch report MIS for the respective bank and vendors.
Sales Manager
Reliance life Insurance
09.2011 - 07.2012
- Acquiring the client for the Insurance
- I build company contacts and references by providing them after sales service and ensured that I get reference from Client
- I got the leads from Agents as well
- I was an outstanding performer and contributed significantly in term of numbers and Value to achieve the targets of the team.
Education
- BMS from Mumbai University in 2010
- HSC from Mumbai University in 2007
- SSC from Pune Board in 2005
- Computer hardware from Jetking
- NSE Training from ICA
Skills
- Financial Management
- Business Development
- Staff Development
- Strategic Planning
Extracurriculum
- Completed the Internship in Collegefest.in wherein was solely responsible for the coordination, implementation and promotion of the event management portal with various colleges in cities like Mumbai and project made in DNA News paper.
- N.S.S Leader for the academic year 2007 - 2009
Personal Traits
- Strong Team Player
- Time Management
- Sense of Responsibility
- Positive thinking
- Leadership skills to lead projects & handle work independently.
- Managing relationships & working efficiently with diverse groups of people.
- Good analytical, interpersonal, strong communication verbal & written& listening skills.
Personal Information
- Date of Birth: 08/12/86
- Gender: Male
- Nationality: Indian
- Marital Status: Married
Hobbies and Interests
Outdoor Sports, Music and Travelling
Languages
English, Hindi Marathi and Kumauni
Disclaimer
I declare that all the information above is true to the best of my knowledge.
Name signature
Balam Nayal
Timeline
Manager Operations - AIRPAY PAYMENT SERVICES. ANDHERI
02.2024 - Current
Assistant Manager - Worldline Epayment
12.2021 - 02.2024
Operations Officer - INDIAIDEAS.COM LTD (BILLDESK)
10.2015 - 12.2021
Support Executive Backend operation - Worldline (Atos Group)
12.2012 - 10.2015
Sales Manager - Reliance life Insurance
09.2011 - 07.2012
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