Karthick P

• Enhanced overall team performance by providing regular coaching, feedback, and skill development opportunities.
• Conducted regular progress reviews with individual team members to identify areas for improvement and provide guidance on career development opportunities.
• Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging sk
• Reviewed, implemented and updated company records related to team activities for future reference.
• Held weekly team meetings to inform team members on company news and updates.
• Managed leave requests and absences and arranged covers to facilitate smooth flow of operations.
• Monitored team performance and provided constructive feedback to increase productivity and maintain quality standards.
• Worked with team to identify areas of improvement and devised solutions based on findings.
• Trained freshers into document checking and in UCP/ISBP/Country practice
• Responsible for Managing end to end DOC CHECK/ADVISING/LC PAYMENTS/TRANSFER LC DOC CHECK/TRANSFER LC ISSUANCE/TRANSFER LC PAYMENTS/IMPORT COLLECTION/IMPORT COLLECTION PAYMENTS process
• Ensuring control activity / Audit controls and TAT are well maintained.
• Handling and Managing IMPORT COLLECTION/IMPORT & EXPORT LC process

• Worked for markets -Australia, Philippines, South Korea, and Japan
• Scrutinizing document under UCP – 600 Checking import and export documents under UCP, ISBP and according to market standard
• Handling doc check related queries
• Accomplished multiple tasks within established timeframes.
• Established team priorities, maintained schedules and monitored performance.

• Worked for markets -EAST AFRICA,UK,US,ASIAN and GULF countries
• Scrutinizing document under UCP – 600 Checking import and export documents under UCP, ISBP and according to market standard
• Handling doc check related queries

TRADE FINANCE - EUROPE PAYMENTS

• Worked markets -UK and Czech republic
• Responsible to process Import & Export collection Payments,Loans,Pre & Post shipment Financing,Open Account and Import LC Payments
• Good in swift handling such as MT103 and MT202

CARD OPERATIONS – AUTHORISATIONS

• Providing Manual Authorization of Onus & Offus card holder
• Handling calls from merchant on their queries with regard to complaints
• Testing of EDC terminals
• Monitoring Credit Card transactions and alert the Risk and Fraud team if any suspicious transaction noticed
• Handling authorization related queries from Internal Departments
• Blocking Credit Card on suspicious transactions
• Processing payments for PAN India Merchants thru Funding, Batch authorization
• Transferring of Statement files thru secure mode to vendors thru SFTP [Secured File Transfer Protocol]
• Processing NEFT payments for PAN India Merchants
• Cancellation of Pre-auth transaction received from Acquirer
• Training the new joiners and conduct assessments in regular basis
• Managing the Team in absence of Supervisor.

CONTACT CENTER SALES AND SERVICES – INBOUND PROCESS

• Ensure quality and accurate customer service is provided at all times
• Adhere to local regulations, TCF [Treating Customer Fairly] program, applicable TAT’s and procedures with respect to Maintenances, Enquiries, Feedbacks, Internal Quality Control guidelines and Code of Conduct
• Experience in objection Handling
• Handling queries and objections received from customer end towards their Credit Card and personal loan application from initial to approval status
• Followed escalation matrix wherever applicable and restrict the complaints within 1 percent of total calls handled
• Cross sell or up-sell different personal banking products such as Credit Cards, Personal loan, Home loan, Cash on EMI, Loan on phone, Balance transfer and Balance conversion.

OUTBOUND COLLECTIONS – CREDIT CARD AND PERSONAL LOAN

• Handling Credit Card and Personal loan delinquent customers who missed out to make payments within due date
• Ensure effective calling, timely field referrals to maintain the risk and restrict the net flow
• Ensure effective and Optimum use of dialer for resolving the accounts to reduce delinquency level and flow rates
• Ensure all relevant MIS and reports are viewed on daily basis
• Handling various delinquency level of customers such as Past due[due date to Bill date], Frontend [One billing cycle] Midrange[Greater than 30 days] and NC [Non contactable] cases thru field follow up and procure new contact numbers from available database.