Pankaj Pandey
Mumbai
Summary
Focused project manager bringing several years of developing continuous improvements throughout planning and implementation phases of projects. Demonstrated history of establishing and enforcing adherence to standards of excellence. Well-versed in mentoring and guiding associates to exceed client and stakeholder expectations. Accustomed to cultivating innovative ideas and encouraging new ideas that drive company growth.
Overview
14
14
years of professional experience
1
1
year of post-secondary education
Work History
Project Manager
IDFC FIRST BANK
Mumbai
11.2024 - Current
- Designed solutions for credit card variants,including corporate, cobranded and EMI-based cards, managing product enhancements from ideation to implementation
- Led the resolution of system issues and addressed high-priority ad hoc requests by coordinating with relevant stakeholders,maintaining system stability and meeting urgent business needs.
- Developed operational automation processes for card closures,fee reversals, and over-limit setups, significantly improving compliance with RBI mandates.
- Engaged with various internal and external stakeholders to understand and document requirements for credit card-related solutions. Used in-depth knowledge of the TSYS PRIME creditcard management system to assess and finalize optimal solutions.
- Partnered closely with testing teams, contributing to test case development and actively participating in test cycles to ensure high-quality output. Managed the sign-off process, ensuring all deliverables met specifications and regulatory standards.
- Drafted comprehensive BRDs and guided the IT team with detailed walkthroughs to ensure alignment and understanding of project objectives. Facilitated clear communication channels to keep projects on track.
Manager (Product manager)
Axis Bank
12.2022 - 10.2024
- Company Overview: Digital Banking and Transformation
- ETB FD through Web portal – Managing development of product, front end and back end along with UI and API
- UPI on OD through web channel for NTB customer, front end, back end and API development
- Managing and developing Retail sector API for bank, for open banking
- Digital Banking and Transformation
Manager (Product manager)
HDFC Bank
04.2021 - 12.2022
- Flexipay (Buy Now Pay later) – Product setup, system development live in system
- EMI on net-banking product development and live
- No Swipe EMI – Product development
- Developed with new Product Paylater on UPI
Deputy Manager (Product manager)
HDFC Bank
09.2018 - 04.2021
- Enforced adherence to company policies and procedures to boost team efficiency and strengthen operational standards
- Product manager in Consumer Durable loan (CD / DC / CC)
- Contribute meaningfully and constructively as an member of retail products management team
- Handling Product and customer services for CDL
- Work with Collection, Operations and RIC team to get an update on product
- Posting cash back for all eligible customer by bringing an Merchant / OEM contribution under scheme/ offer in CDL
- Handling Senior Management complaint/ RBI / BO and Consumer Forum
- Capturing and maintaining details of the CD/DC loans and cards related in Vission+ DPC and Cosmos site for the updation of card
- Interacting with all Brands and Merchant for Scheme offer running
- Developed an CHATBOT for CDL were in offer, customer services and led to be locked
- Working with sales team for new process implementation and Improvement
- ECS/ACH Mandate Management
- Handling ACH mandate verification for smooth functioning of ECS/RECS banking
- Having a fair knowledge of ACH mandate processing for smooth functioning of ECS/RECS banking
- Handling customer issues relates to ECS/RECS banking and representation for south and east location
- CRM and Banking Ombudsmen complaints
- Tracking Product Budget and Scheme offer budget with payments team
- Handling customer issues arising out of RBI/ Banking Ombudsmen/ Consumer Forum/ Court etc with relate to Retail assets and Consumer Durable products
- Liase with Concurrent/ Internal/ Statutory/ RBI Audits - periodically; monitor compliance and bring in agreed process changes towards improving compliance levels Process Reviews
- Investigate Credit and OPS process weakness if any, suggests suitable methods to plug the issues and change processes accordingly
- Prepare various Controls and Analytical MIS - to the Top Management - periodically and on event basis
- Leading team size of 5 members for complaints and product
Asst Manager
HDFC Bank Ltd
02.2016 - 09.2018
- Managing service operations for rendering and achieving quality services; providing first line customer support by answering queries & resolving their issues, ensuring minimum TAT
- Setting out quality standards for various operational areas, ensuring a high-quality customer experience, while adhering to the SLAs and work processes
- Team Management
- Leading, training and monitoring performance of the team members for maintaining excellence in the process operations
- Creating and fostering a healthy environment which facilitates high performance of team members and accomplishments of organisational goals
Senior Associate (CCOD)
Wipro
Mumbai
09.2011 - 01.2016
- Responsible for end to end planning, direction and co-ordination of all the manufacturing processes
- Handling budget, expenditure and ensuring whether project deadlines are met
- Analysis of the data found in charts, graphs and other forms of measuring information
- Analysis of operational issues and installation of new equipment
- Providing team with technical support and training
- Improve the production efficiency and providing training to other workers who are in the production department of the organization
- Production efficiency and reporting to the organization
- Calculating the workspace requirements and design strategies to utilize the workspace effectively
- Calculating the production cost, time involved, existing production resources, human resources and do a proper estimate and recommend it to the organization and also estimate upcoming manufacturing requirements and help the management to take right decisions
Education
MBA - Business Management
NMIMS
Mumbai 06.2024 - 09.2025
Bachelor of Computer Applications - Computer And Information Sciences
Integral University
Lucknow04-2010
Skills
- Credit card Product and service knowledge
- Internal and external customer relations
- Payments monitoring and status updation
- Development of Payment products
- Retail Operations Management
- Credit cards and Debit cards payments monitoring
- Wide knowledge in card payment systems
- Vision Credit card and debit card payment
Timeline
Project Manager
IDFC FIRST BANK
11.2024 - Current
MBA - Business Management
NMIMS
06.2024 - 09.2025
Manager (Product manager)
Axis Bank
12.2022 - 10.2024
Manager (Product manager)
HDFC Bank
04.2021 - 12.2022
Deputy Manager (Product manager)
HDFC Bank
09.2018 - 04.2021
Asst Manager
HDFC Bank Ltd
02.2016 - 09.2018
Senior Associate (CCOD)
Wipro
09.2011 - 01.2016
Bachelor of Computer Applications - Computer And Information Sciences
Integral University