BUSHRA AKHTAR
Mumbai
Summary
- Responsible for providing customized and innovative payment solutions across modes/channels and services for banks
- Supporting stakeholders in improvising processes by undertaking improvement projects and implementation of quality assurance
- Daily interaction with merchants to support and analyze their issues and develop Business solutions for them.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Associate - Payment Strategy, Business Analyst- CIB
JP Morgan (India Corporate Centre, Mumbai)
Mumbai
04.2022 - Current
- Real Time Payments enablement for SARIE IPS for credit transfers along with payment and receipt migration
- Made UKFPS from 24 5 to 24 7 real time along with payment and receipt migration from old legacy platform iPay to new Graphite application for London and Euro Hub branches i.e Luxemburg, Dublin & Frankfurt
- Experience of JP Morgan Cross currency solutions help to automate cross boarder payments
- Defined model market requirements for all live RTP initiatives along with market specific Jira
- Eliciting requirements on Online Banking wallet for Malaysia Retail Payment Platform.
Manager - Merchant Integration & Product Development (UPI/Digital Payments)
Axis Bank (Corporate Office, Mumbai)
Mumbai
12.2017 - 12.2021
- Providing payment solutions to merchants & aggregators with UPI as payment method powered by Axis Bank
- New product development for 1.0 & 2.0 UPI and creating new solutions and with merchant partners
- Providing cash backs to the customers for our acquired merchant on UPI such as IRCTC, Amazon, Nykaa etc
- Collaborating with internal teams such as IT, Ops on product enhancement and improving customer experience
- Assisted merchants on-boarding on Axis UPI platform by resolving their technical & functional queries
- Created Merchant Front End (MFE) portal for raising refund and tracking transaction status on daily basis
- Introduced new use case merchant and aggregators such as pay by VPA, collect, QR bases payments by UPI
- Expert in digital payment space like UPI, IMPS, and provided online refund via API base solutions
- Product expert to handle merchants & aggregators queries - PayU, Ola, Amazon, Razorpay, GPay, Cred, etc
- Resolve merchant refund issues & complaints within TAT with help of NPCI, internal IT/ops and member banks
- Tracked daily call center volume and worked upon increasing CX and MX score for UPI
- Drive business development activities with some key merchant opportunities.
Assistant Manager - Product Development (IMPS/UPI/BHIM/*99#)
National Payments Corporation of India (NPCI, Mumbai)
Mumbai
06.2015 - 11.2017
- Providing customized payment solutions to various entities to shift from cash to digital transactions
- Prepared Product document & FAQ on BHIM / UPI / IMPS transaction
- Expansion of UPI ecosystem to 55+ banks, BHIM to 52+ banks & IMPS to 239+ banks across all product variants
- Updating all banks with UPI specification and procedural guidelines as per their use cases and requirements
- BHIM up gradation of application last 14 Apr 2017 – new languages, blocking / unblocking features, etc
- Assisted in making seamless payments experience through IMPS by standardizing account narration
- Created IMPS IFSC-NBIN mapper for correct routing of sub-member transaction
- Foreign Inwards Remittances through IMPS
- Introduced new use case in IMPS: Credit Card payment through IMPS
- Key role in product management, process management, pricing strategies & product portfolio development
- Product campaign planning, costing and benefit for better customer education and customer awareness
- Develop and maintain strong external (Banks, Switch, Corporate, Vendors) and internal (Business, Operations, Technology, Risk) partnerships for successful deployment of payment solutions
- Serve as a product expert to resolve bank query, conduct workshop and training to support in business
- Preparing MIS and presenting to senior management on the business visibility for complete financial year.
Education
B.Tech (CSE) + MBA (General Management) -
Kalinga Institute of Industrial Technology, Bhubaneswar
B.S.S.N. Inter College, Aurangabad
St. Xavier's School, Sahibganj
Skills
- Product Development
- Process Management
- Business Solutions
- Transform Design & Delivery (TDD)
Websites
Certification
- Open embedded software foundation certified android application (2013)
- Database administration fundamentals from Microsoft technology associate (2012)
- Java SE6 programming certified by Oracle (2012)
City
Prabhadevi, Mumbai
Street
Mumbai 400013
Personal Information
Real-Time Payments | Product Manager & Business Analyst
Timeline
Associate - Payment Strategy, Business Analyst- CIB
JP Morgan (India Corporate Centre, Mumbai)
04.2022 - Current
Manager - Merchant Integration & Product Development (UPI/Digital Payments)
Axis Bank (Corporate Office, Mumbai)
12.2017 - 12.2021
Assistant Manager - Product Development (IMPS/UPI/BHIM/*99#)
National Payments Corporation of India (NPCI, Mumbai)
06.2015 - 11.2017
B.Tech (CSE) + MBA (General Management) -
Kalinga Institute of Industrial Technology, Bhubaneswar
B.S.S.N. Inter College, Aurangabad
St. Xavier's School, Sahibganj
- Open embedded software foundation certified android application (2013)
- Database administration fundamentals from Microsoft technology associate (2012)
- Java SE6 programming certified by Oracle (2012)
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