Bhushan Kulkarni
Mumbai
Summary
A skilled professional having more than 07 years of versatile work experience, ranging from payment services & ATM managed services in banking industry, Fin-Tech Operations management, Banking Alliances, customer support and general administration. A highly motivated, self-directed team player with proven abilities to take up challenges resulting in success to the organization.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Assistant Manager- Global Trade and Receivable Finance Mid Office, Commercial Banking
HSBC INDIA
Mumbai
06.2023 - 10.2023
- End to End process of Receivable financing to client by validating Merchant trade invoices, KYC and Risk profile pre-Disbursing the requested amount to clients account
- Maintenance of Suspense accounts Validations and differences, A-tred reporting and unsecured bill discounting MIS on daily basis
- Proper Allocation of disbursed amount on due date to be addressed systematically Audit reports and quality check every Week for seamless workflow Daily Maintenance and reconciliation.
- Assisted in the development of operational strategies to ensure efficient and productive operations.
- Coordinated with other departments to ensure smooth flow of operations.
- Ensured compliance with safety regulations and company policies.
Exe B3 Grade 9- Banking Alliance Analyst Payments Gateway Corporate Office
INGENICO E-PAYMENTS (WORLDLINE)
Mumbai
09.2021 - 04.2023
- Key responsibility is to enable payment options majorly Net banking, UPI, CC, DC through newly onboarded approved merchants and Co-ordination with major banks for procurement of approval/codes to enable the payment option on merchant’s website
- Conducting Risk and compliance check on merchants line of business, Category, KYC and additional parameters as a part of operational Process.
- Validating group invoices issued by banks and other partners Negotiation with banks for best pricing to generate fair revenue to the company Maintenance of monthly weekly reports MIS for references Working on UAT, Testing and API’s as a part of operational activity
- Cross border payments analysis and co-ordination with card network such as AMEX, VISA, MASTERCARD
- fulfilling Migration and Audit activities as per deadline.
- Performed cost-benefit analysis to evaluate project feasibility.
- Developed financial models to analyze data and identify potential risks.
- Analyzed large datasets using statistical methods and software programs.
- Auditing Internal Team MIS, Data and validating, addressing the loopholes.
Exe Grade 2-Payment Gateway /POS Corporate Office
ATOM TECHNOLOGIES LTD (NTT DATA LTD)
Mumbai
01.2019 - 08.2021
- Working with leading Payment gateway managing end to end merchant on boarding in POS/PG through Salesforce application
- Validation of Merchant KYC with Risk/Finance/operations and further procedure to link merchant with Atom POS device
- Publishing weekly MIS/reports to zonal managers and regional Managers to create transparency of merchant on-board
- Circulation on monthly revenue collection report in detailed manner by validating data through finance team
- Sharing invoicing data to accounts team on weekly basis for creation of merchant invoice validating and acknowledging NACH mandates of merchant and processing further to bank for rent recovery of rental POS plans Sharing monthly salary data to HR team on the basis of FOS generating revenue to company on sales perspectives tracking of daily tasks/queries raised by RM managing it and resolving at the earliest
- Leads sourced by bank for payment gateways needs to be channelized through various teams until the merchants payment gateway gets configured on atom platform
- End to end processing Payment gateway leads through partnered banks within the TAT Addressing transactions and KYC related grievances of RM/Merchants/Banks
- Merchant integration and website related services/discrepancies to be addressed Analysing Corporate pricing and subvention sharing to increase company revenue
Exe Banking operations (Corporate Office)
INDUSIND BANK LTD.
Mumbai
06.2016 - 12.2018
- Reconciliation of Nostro accounts on Daily basis
- General ledger Recon at EOD
- Counterfeit currency notes of branches ATMs to be reconciled, Arranging ATM fit Notes and cash control to different banks from available branches/Currency chest Conducting interviews, training and managing the teams
- Cheque Inward outward clearing to be recorded
- Reconciliation and alerting branch about deficit amount in Nostro accounts to avoid charges, Maintaining zone wise Reconciliation reports for Zonal heads
- Handling Queries and updating of KYC and compliance verifications
- Freezing/Unfreezing of accounts of individual customer due to incomplete KYC
- Conversion of Accounts to different variants
- Generation of Tatkal (Instant)account Number in System as per instruction further processed and dispatched by vendor to branch and cluster Hub
- Authorization of NACH mandate and ECS Updating of UID from various portals ie by branch, ATM, Contact center, SMS, Indus net portal.
Education
BMS
SMT PARMESHWARIDEVI TIBREWALA LIONS JUHU COLLEGE
Mumbai04.2016
Higher secondary education (Commerce) - Commerce
SRINIVAS BAGARKA COLLEGE OF COMMERCE AND SCIENCE
Mumbai06.2013
Skills
- Operations Management
- Project Management
- Business Development Understanding
- Customer Relationship Management (CRM)
- Payment Card Industry workflow
- Fin-Tech operations
- Financial Reporting and MIS
- Banking
- Payment and transaction monitoring
- KYC and compliance
- Product and Service Knowledge
Certification
- Professional Enthusiast BANKING, Infosys, 10/2023
- Fundamentals of Digital Marketing, Google, 03/2023
- PCI - DSS, Worldline E-payments, 11/2021
- Ecommerce Management, E-marketing Institute, 04/2023
Personal Information
Date of Birth: 10/24/1994
References
Will be available on request
Affiliations
Travel, Food, Culture, Language , Water Sports.
Languages
Hindi
First Language
English
Proficient (C2)
C2
Marathi
Proficient (C2)
C2
Timeline
Assistant Manager- Global Trade and Receivable Finance Mid Office, Commercial Banking
HSBC INDIA
06.2023 - 10.2023
Exe B3 Grade 9- Banking Alliance Analyst Payments Gateway Corporate Office
INGENICO E-PAYMENTS (WORLDLINE)
09.2021 - 04.2023
Exe Grade 2-Payment Gateway /POS Corporate Office
ATOM TECHNOLOGIES LTD (NTT DATA LTD)
01.2019 - 08.2021
Exe Banking operations (Corporate Office)
INDUSIND BANK LTD.
06.2016 - 12.2018
BMS
SMT PARMESHWARIDEVI TIBREWALA LIONS JUHU COLLEGE
Higher secondary education (Commerce) - Commerce
SRINIVAS BAGARKA COLLEGE OF COMMERCE AND SCIENCE
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