MUKESH JUYAL
Ghaziabad,U.P
Summary
Results-driven Financial Operations Professional with 8+ years of expertise in credit card lifecycle management, team leadership, vendor operations, and customer verification. Proven track record of optimizing processing workflows—reducing delivery TAT from 20 days to 7 days and cutting client complaints by 45%. Adept at managing large teams, vendor relationships, and regulatory compliance while maintaining strict SLAs in fast-paced banking environments.
Overview
2
2
Languages
8
8
years of professional experience
Work History
Team Lead
In-Solutions Global Ltd
Noida, Uttar Pradesh
04.2021 - 03.2026
- Role and Responsibilities
- Team Leadership & Performance: Led and mentored a 20-member team in managing end-to-end credit card printing, dispatch, and delivery operations for PNB Credit Cards.
- Turnaround Time Optimization: Streamlined vendor coordination and dispatch routing, reducing card delivery Turnaround Time (TAT) from 20 days to 7 days.
- Vendor & Supply Chain Management: Managed relationships and daily operations across 7 vendors; optimized card plastic and stationery inventory, driving a 15% reduction in supply costs.
- Escalation & Complaint Reduction: Reduced client complaints by 45% by implementing proactive tracking mechanisms for Return to Origin (RTO) cards and statements.
- New Product Launch Operations: Partnered with IT, senior leadership, and bank officials to successfully launch and operationalize 15+ new credit card variants.
- Financial & Data Reconciliation: Audited daily dispatch data and vendor invoices to ensure billing accuracy, transparent reporting, and audit compliance.
- Cross-Functional Collaboration: Served as the central liaison between bank officials, internal tech teams, and management to implement system updates and policy enhancements related to Credit Card and Statements production, Dispatch and Delivery.
Sr. Processing Officer
In-Solutions Global
Delhi
05.2018 - 02.2021
- Role and Responsibilities
- High-Priority Card Operations: Managed end-to-end processing of bank-approved credit card requests, including card closures, credit limit enhancements, card upgrades, and account amendments.
- SLA & TAT Adherence: Processed daily application and service requests within strict 24-48-hour turnaround times (TAT), ensuring optimal SLA compliance and zero operational escalations.
- Direct Stakeholder Coordination: Served as a key liaison for PNB Credit Card officials, directly receiving, prioritizing, and executing high-priority email requests and urgent escalations.
- Bank Approval Management: Coordinated regularly with bank authorities to validate authorization details, resolve discrepancies, and obtain secondary approvals for system changes.
- Audit & Compliance Control: Maintained meticulous tracking logs and documentation of all processed card adjustments to comply with strict banking risk and governance standards.
Processing Officer
In-Solutions Global
Delhi
10.2017 - 04.2018
- Role and Responsibilities
- High-Volume Verification Calls: Conducted outbound verification calls to 100+ customers daily to authenticate credit card application forms, confirm applicant details, and validate identity documents.
- Document Authentication & Compliance: Reviewed submitted KYC documents, proof of income, and financial records against banking guidelines to maintain strict regulatory compliance.
- System & Data Management: Logged call outcomes, verification statuses, and customer data accurately into the GENIUS system, ensuring real-time database updates and data integrity.
- Risk Mitigation: Identified data discrepancies, missing documentation, and potential red flags during verification calls, escalating high-risk cases to prevent fraudulent applications.
- Turnaround Time Optimization: Managed high daily call volumes while maintaining accuracy, helping reduce overall credit card application processing turnaround time (TAT).
Education
Bachelor in Arts -
Delhi University (School of Open Learning)
10.2018
12th Passed -
Govt. Boys Sr. Sec. School
06.2013
Skills
- Functional Skills:
- Vendor Management and Logistics
- Decision-making & Problem-Solving
- Credit Card Operations and Lifecycle Management
- SLA & TAT Optimization
- KYC & Regulatory Compliance
- Data Analysis & Reconciliation
- Team Leadership and Operations
- Service Operations
- Technical Skills: MS Office / Advance Excel
- Power BI (Dashboard & Metrics)
- SQL
- GENIUS System (Core Banking Application)
Accomplishments
- Enhanced Client Satisfaction: Increased client satisfaction rate by 20% through effective issue resolution techniques.
- Cost Reduction Efforts: Reduced stationery costs by 15% with strategic suggestions and process improvements.
- Vendor Management Success: Successfully managed 7+ vendor relationships, ensuring seamless service delivery.
- Improved Delivery Efficiency: Achieved a 95% on-time delivery rate of credit cards and statements.
Languages
English Proficient
Hindi Fluent
Training
Data Analysis — Antrix Academy and Simplilearn
Timeline
Team Lead
In-Solutions Global Ltd
04.2021 - 03.2026
Sr. Processing Officer
In-Solutions Global
05.2018 - 02.2021
Processing Officer
In-Solutions Global
10.2017 - 04.2018
12th Passed -
Govt. Boys Sr. Sec. School
Bachelor in Arts -
Delhi University (School of Open Learning)