Pankaj Kumar Ranjan
Jaipur
Summary
Dynamic finance professional with expertise in managing cross-border trade finance at AU Small Finance Bank. Proficient in SWIFT MT series and regulatory compliance, I excel in optimizing payment systems and enhancing operational efficiency. Strong analytical skills and collaborative approach drive successful outcomes in high-pressure environments.
Overview
4
4
years of professional experience
Work History
Assistant Manager VERIFIER
AU SMALL FINANCE BANK
JAIPUR
02.2025 - Current
- Managing cross-border trade finance transactions using SWIFT systems.
- Familiar with SWIFT messaging standards related to trade finance (MT series) like MT410, MT412, MT103, MT202, MT199 etc.
- Handling discrepancies and reconciliations in trade finance SWIFT messages.
- Collaboration with trade teams to ensure smooth SWIFT-based operations.
- Ensured compliance with international trade standards through SWIFT-enabled systems.
Senior Executive - Payment Systems
Utkarsh Small Finance Bank
Varanasi
08.2021 - 02.2025
- Analyzed various payment system applications, such as IMPS, UPI, ATM, and NEFT.
- Monitored operations of NEFT/RTGS, UPI, IMPS, ECOM, AEPS, etc., applications that include batch settlements, and performing assessments on BD/TD, and identifying areas to improve.
- Patching activities on SFMS and other applications and coordinating with CBS for troubleshooting and issue resolutions.
- Utilized knowledge of RRN, VPA, payment gateway, payment aggregator, etc.
- Accessed the NPCI portal to check transaction details related to UPI, IMPS, ATM, Ecom, raised chargeback, pre-arbitration, etc.
- Coordinating with the IT team for the implementation of functional and regulatory changes.
- Maintaining regulatory compliance and ensuring audit item closure.
Education
B-Tech - Electronics and Communication Engineering
Punjab Technical University
Mohali, Punjab06-2016
10+2 - Science
Kendriya Vidyalaya
Chandigarh04-2011
10th -
Kendriya Vidyalaya
Hyderabad04-2009
Skills
- Excel/Office
- CBS (Intellect & Oracle FCC)
- NPCI portal
- SWIFT MT Series
- SQL
- Networking
Timeline
Assistant Manager VERIFIER
AU SMALL FINANCE BANK
02.2025 - Current
Senior Executive - Payment Systems
Utkarsh Small Finance Bank
08.2021 - 02.2025
B-Tech - Electronics and Communication Engineering
Punjab Technical University
10+2 - Science
Kendriya Vidyalaya
10th -
Kendriya Vidyalaya
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