J BABU
Chennai
Summary
Dynamic professional with extensive 25 years of experience in Retail Banking operations, Lending Operations, Cards issuance and acquiring operations, and AML transaction monitoring.
Demonstrated leadership in managing large teams and achieving operational excellence.
Expertise in Business Finance and P&L management, consistently enhancing efficiency and compliance in financial services.
Overview
27
27
years of professional experience
Work History
AGM / Delivery Head
TCS
Chennai
01.2015 - Current
- Managing AML-Transaction Monitoring function for a large US Bank with ~300 FTEs since July 2023
- Managed Commercial Cards Operations of Citi Bank, viz. Customer onboarding, issuance, maintenance, and payments processing.
- Chargeback Operations for a large Canadian bank.
- Business Finance function for UK & Europe Geo;
- Risk and Compliance for the Operations Unit.
Senior Manager
Standard Chartered GBS
Chennai
07.2011 - 12.2014
- Managed Consumer Banking Operations of Standard Chartered Bank in the UAE.
- Account opening, Periodic Review, Maintenance and Payment processing of CASA, Auto Loan, Personal Loan, and Credit Cards.
Senior Manager / Unit Head
HDFC Bank
Chennai
11.2005 - 06.2011
- Managed merchant acquiring operations, onboarding, payment processing, and chargeback.
- ATM cash and GL reconciliation of over 5,000 ATMs in India.
- Bill-pay registration and payments processing.
- Prepaid cards, viz. Forex cards and gift cards loading and refund processing.
- Direct Banking customer query resolution
Team Lead
ICICI Bank
Chennai
12.2003 - 10.2005
- Led credit card customer onboarding, issuance, and acquiring operations, and KYC verification.
- Retail Assets operations of Personal Loan, Auto Loan, and CV Loan processing and disbursement.
Team Lead
P&O Nedlloyd IT Services (P) Ltd
Chennai
01.2002 - 12.2003
- Led Export Documentation and Financial Operations Unit.
Team Lead
Bank of America and ICICI Bank
Chennai
01.1999 - 12.2000
- Led a marketing team at ICICI Bank for Home Loans.
- Business development of BoA - Loans against Property.
Education
Master of Business Administration - Finance
University of Madras (Regular Campus Program)
Bachelor of Commerce -
D.G. Vaishnav College
Certified Associate -
Indian Institute of Banking and Finance
Honors Diploma - Ecommerce
National Institute of Information Technology
Skills
- Retail Banking operations
- Lending operations
- Cards issuance and acquiring
- KYC, Periodic Review, SDD and EDD
- AML transaction monitoring
- Business Finance
- P&L management
- Leadership
- Operations management
Noteworthy Contributions
- Implemented a data normalization tool in the AML function and saved around 30 FTEs
- Identified automation opportunities and saved 40 FTEs from credit and debit card dispute processes
- Augmented business opportunities in the unit increased the revenue and gross margin
- Ensured compliance with internal and external regulatory requirements, such as SOX, FATCA, etc
- Managed the ISO audit for the unit and ensured ISO certification in 2023
- Timely update and submission of document deliverables pertaining to both TCS and Client Banks with respect to the Statement of Work, Standard Operating Procedures, Capacity Plan, etc
- Ensured no disruption to business during disaster recovery with an effective BCP in an alternate location
- Developed an efficient second-line leadership and an effective team with cross-training by providing guidance and development opportunities
Languages
- English
- Tamil
- Telugu
Timeline
AGM / Delivery Head
TCS
01.2015 - Current
Senior Manager
Standard Chartered GBS
07.2011 - 12.2014
Senior Manager / Unit Head
HDFC Bank
11.2005 - 06.2011
Team Lead
ICICI Bank
12.2003 - 10.2005
Team Lead
P&O Nedlloyd IT Services (P) Ltd
01.2002 - 12.2003
Team Lead
Bank of America and ICICI Bank
01.1999 - 12.2000
Master of Business Administration - Finance
University of Madras (Regular Campus Program)
Bachelor of Commerce -
D.G. Vaishnav College
Certified Associate -
Indian Institute of Banking and Finance
Honors Diploma - Ecommerce
National Institute of Information Technology