Girish Jade

Reconciliation and Dispute Management Specialist

A. Reconciliation Services

• Performed daily reconciliation for 15 bank accounts, ensuring accuracy of all digital transactions.
• Conducted transaction-wise reconciliation for various payment channels including ATM, POS, IMPS, UPI, NEFT, RTGS, and AEPS.
• Generated detailed Income & Expenditure reports for digital transactions, covering ATM, POS, IMPS, UPI, NEFT, and RTGS.
• Managed Dispute Management System, handling chargebacks, pre-arbitration, arbitration, and PRD case presentment for ATM, POS, IMPS, UPI, NEFT, and RTGS.
• Implemented effective customer service strategies, resulting in a notable increase in customer satisfaction.
• Maintained daily MIS reports to track and assess reconciliation progress and discrepancies.
• Managed NEFT & RTGS reconciliation processes to ensure financial accuracy.

B. Income & Expenditure Reporting

• Prepared income and expense reports for all digital transactions, including ATM, POS, IMPS, UPI, with cyclical reporting (e.g., ATM settlements processed in two cycles, POS in two cycles, IMPS and UPI in eight cycles).
• Coordinated the generation of bank-wise GST reports for submission to banks and clients, ensuring compliance with financial regulations.

C. Dispute Management System

• Managed and resolved disputes generated by bank clients, such as non-withdrawal, non-functioning cards, and transaction-related issues.
• Utilized BCS-NFS, BCS-RGCS, BCS-IMPS, and BCS-UPI to track and resolve disputes promptly.
  C Dispute Management System
  As per bank client generate dispute for his customer’s like non withdrawal, non-working cards and also attached with BCS-NFS, BCS-RGCS, BCS-IMPS, BCS-UPI,

• Company Overview: This Organization is also Providing Nano (Personal) Loan & Home Improvement Loan etc
• Pass daily GL entries in CBS (Core Banking Solution)
• Cash Reconciliation
• Open and close the registers, monitoring cash limits and ensuring quality customer service at all times
• Implemented new customer service strategies successfully, increasing customer satisfaction
• Responsible for solving customer complaints and providing information regarding products
• Calculate total payments received during a time period, and reconcile this with total sales
• Solve billing problems and handled customer inquiries
• Responsible for balanced cash flow at close of shift
• Responsible for accepting payments from customer, and giving change and receipts
• Operate a POS cash register, handling 75 transactions daily on average, and count money in drawers to ensure the amount is correct
• Check all credit files submitted by CRES, Ensured that the all customer KYC documents are truth and update in SFDC for data entries
• Handel all operational activity in branch and co-ordinate with sales team
• Work in Nano Loan Check CIBIL and HM
• NACH process on Personal Loan
• Preparing and maintaining daily & monthly MIS report
• Check KYC Document
• Credit files Checking according to Company Norms
• Taking follow up for Credit File_ login to disbursements
• To handle backend collection i.e
• Collection posting, collection demand list
• To coordinate with IT to solve the collection related issues
• To maintain collection MIS
• Knock Off, PAR, Fresh OD, Collection demand vs actual collection
• Reconciliation of all GL Accounts
• Management Branch Audit & Compliance
• Responsible for loan Disbursal through smart card/Prepaid Card and documentation
• Manage and coordinating with front office staff
• Responsible for CMS Management
• Helpdesk handling in issue related on DB and cash collection GL Reconciliation
• This Organization is also Providing Nano (Personal) Loan & Home Improvement Loan etc

• FD, RD Opening & Closing
• Maintain FD & RD records file
• Saving Account & Current Account Opening
• Preparation 15G, 15H Forms and TDS return
• Managing statutory compliances like TDS deduction & remittance, TDS return filing and likewise

• Disbursing loans, verifying creditworthiness, and ensuring all agreements and documentation are complete.
• Handling customer queries, building relationships with customers, and providing financial solutions.
• Identifying prospective customers, setting sales targets, and conducting market research.
• Preparing reports on loan applications, disbursements, collections, and other operational metric.
• Handling cash management, coordinating with regional offices, and performing day-to-day back office activities.
• Planning and executing activities to achieve budgeted targets, and analyzing competitor activities.
• Evaluating creditworthiness and performing viability analysis of products and customers.
• Managing a portfolio of products, and compiling and updating information on the customer base.
• Maintaining and developing relationships with commercial vehicle operators and dealers.