KIRUTHIGA Subramanian

credit card maintenance and closure specialist – Standard Chartered Bank (AME regions)

core responsibilities:

• assisting new and returning customers with inquiries and issues regarding credit card accounts for AME markets.
• Handled requests for credit limit adjustments, replacement cards, and dispute resolutions in accordance with SCB policies and RBI regulations.
• analyzed customer account to identify products and services beneficial to needs.
• Exhibits strong decision-making skills when addressing customer questions.
• Managed backend operations for credit card maintenance encompassing account updates, card activation and deactivation, and customer profile modifications.
• Provided high-quality service to SCB customers, enhancing overall client satisfaction. Ensured data entry accuracy and timely resolution of service requests via workflow management systems.
• Collaborated with cross-functional teams, including customer service, fraud detection, and compliance, to enhance card-related processes.
• Oversaw daily credit card maintenance requests received through multiple channels, ensuring precise and prompt processing.
• Executed customer and card-related maintenance activities adhering to SCB policies, procedures, and SLA requirements.

credit card account closure:

• Executed customer requests for credit card closure in alignment with SCB policies and AME regulators.
• Validated outstanding balances, guaranteeing settlement of dues and commencing closure procedures via workflow systems.
• Partnered with collections, customer service, and compliance teams to verify closure eligibility.
• Updated customer records, deactivated cards, and ensured accuracy in reporting within core banking systems.
• Managed escalations regarding closure disputes related to pending charges or service dissatisfaction.
• establishing auto debit requests and closure clearance processes and eliminating duplicate statements
• ensured strict adherence to confidentiality and security standards during account termination.

• Managed [number] complaint cases per shift, logging portal updates and acknowledging customers promptly.
• Applied quality checking and root cause analysis to review each complaint, including loan decisions and closures.
• Handled PBA queries for current accounts and overdrafts, using process compliance and escalation management as needed.
• Completed KYC verification, eligibility checks, and account creation through portals for loan and customer records.
• Maintained cash transactions, EMI collections, petty cash, and accounting entries through internal portals.
• Produced MIS reporting, employee data updates, and other backend process records for head office review.

• Handled the liquid cash
• Customer's Credit File Verifications (KYC), Eligibility measures(Tele verification of Nativity, Repayment Capacity, Nominee details)
• ATM Card activation with JFS&DCB
• Maintaining customer cash transactions on daily basis & Accounting in Portal
• Played vital role on the basis of customers Loan A/C creation to Loan Closure.