Rahul Ravindra Chavan
Vikhroli (W) Mumbai, Maharashtra
Summary
Banking professional with 5.5 years of experience in managing the end-to-end credit card lifecycle. Skilled in credit card operations, with a strong focus on accuracy, teamwork, and problem-solving.
Overview
6
6
years of professional experience
Work History
Associate- Credit Card Operation
Zeta
Mumbai
07.2023 - Current
- Transaction Validation: Validated daily posted transactions against correct transaction codes and general ledgers, ensuring consistency and accuracy in financial reporting.
- Onus Transactions Recon: Conducted detailed reconciliation for transactions routed through the Payzapp app, verifying accuracy and completeness of transaction data.
- Balance Sheet & Settlement Reconciliation: Prepared balance sheets and performed settlement reconciliations to ensure accuracy and completeness of financial statements.
- GST Reconciliation: Validated and prepared GST recon, ensuring compliance with tax regulations and accurate reporting.
- Rewards Recon: Managed and prepared reconciliation reports for reward transactions, ensuring accurate tracking and reporting of reward distributions.
- Merchant EMI Validation & Conversion: Conducted validation and conversion processes for merchant EMI transactions for PAYU, PAYTM & PINELABS aggregator. Card Inactivity
- Closure MIS: Prepared MIS report for card inactivity closures in compliance with RBI guidelines, ensuring timely and accurate account management.
- Freshdesk Ticket Management: Processed and resolved Freshdesk tickets related to balance transfers (IFT/NEFT), fee reversals, manual reward issuance/reversals, limit adjustments, and card block/closure requests.
- End of Day Activity Management: Executed end-of-day activities for HDFC ensuring all daily financial operations were accurately completed and reported.
Assistant Manager
Axis bank Ltd
Mumbai
11.2022 - 06.2023
- The job involves Handling Lien, refund and payment processing activities
- Refund of Excess payment to customer account via NEFT, DD or account Transfer as per request received from customer
- Refunding the excess amount to customer as per Axis Bank credit refund policy
- Solving various credit card payment related cases within TAT
- Follow up with the Branches on phone call & Mails for the Physical copy of the return TAT on regular basis
Assistant Manager
Kotak Mahindra Bank Ltd.A
05.2021 - 11.2022
- Balance outstanding to EMI (Converting customer credit card o\s to Emi)
- Excess Refund process (Customer make excess payment on card & we refund the as per policy within TAT)
- Payment Posting (We receive Transaction data through different channels like Bill desk, PAYU, Collection team, LCC, NEFT team for payment posting on card)
- System Knowledge – FINACLE, VISION PLUS for card maintenance, DOT NET for NEFT bulk upload, SIBIEL for service request
- Cheque/Cash payment status (We resolve queries like customer made payment on card through so & so account but payment not reflecting on card, we coordinate with teams as per mode of payment, Payment rectification – one card to another card transfer)
- Reward Points redemption (Customer raise request to redeem the points which earns against transaction & also we credit points)
Operations Executive
Teamlease Pvt. Ltd. (Axis bank)
Mumbai
10.2020 - 05.2021
- Refund of Excess payment to customer account via NEFT, DD or account Transfer as per request received from customer.
- Solving daily customer related queries from customer service via emails. (outlook, OTRS)
- Keeping daily track on delinquent customer to check whether the customer has made the payment against credit card outstanding.
- Reversing amount to customer’s account by passing entries in Finacle.
- MULTI Accounting (Multi cards issuing to customer against their primary cards).
Operations Executive
Quess Corp Pvt.Ltd. (Axis bank)
Mumbai
09.2019 - 09.2020
- Refund of Excess payment to customer account via NEFT, DD or account Transfer as per request received from customer.
- Preparing of daily vouchers.
- Update of memo in the system
- MULTI Accounting (Multi cards issuing to customer against their primary cards).
- Follow up with the Branches on phone call & Mails for the Physical copy of the return TAT on regular basis.
- Solving daily customer related queries from customer service via emails. (outlook, OTRS)
Education
M.com - Accounting And Finance
Mumbai University
Vikas college05-2023
B. COM - Accounting And Finance
Mumbai University
Sandesh College 09-2017
H.S.C. -
Maharashtra Board
Vikas college ,Mumbai06-2014
S.S.C. -
Maharashtra Board
06-2012
Skills
- Microsoft Office - Word, Excel, Power Point, MS Outlook
- Knowledge of Internet surfing
- Tally ERP-9
- Typing speed (English (30 WPM) Marathi (30 WPM)
- Flexible Problem-Solving
- Analytical Problem Solving
- Collaborative Teamwork
- Team Collaboration Follow-Up
Languages
- English
- Hindi
- Marathi
Hobbies and Interests
- Listening to Soft Music
- Playing Cricket
- Watching Web Series
Disclaimer
I hereby declare that the above- mentioned information is correct up to my knowledge and I bear the responsibility for the correctness of the above - mentioned particulars.
Personal Information
- Date of Birth: 16-09-1996
- Gender: Male
- Nationality: Indian
- Marital Status: Single
- Religion: Hindu
Father's Name
Ravindra Tukaram Chavan
Accomplishments
- I was awarded an outstanding award for the 2023-24 year because of my dedication to reconciliation work and following up with the engineering team to resolve bugs and incidents for instant resolution. This involved working weekends and late nights, as well as sending MIS reports to the bank without any failures.
- Shining Star Award (OND 23 & OND 24) - I was also awarded the Shining Star Award for the first time, for OND 23. This was because we closed all CUG-related work, including closing repayments, rewards, and fee-related work. Additionally, I was given the award for OND 24 for identifying and resolving over 300 records for inactive cards beyond the 37-day limit. I raised incidents and successfully closed them, as the bank was escalating the issue.
Technical Skills
- Banking Sofware used • CTL ( Axis Bank production system) Software specially designed for credit cards.
- • FINACLE – is widely used banking software for maintaining date of Saving and current accounts.
- • MIS SITE – for extracting the data from system
- Core / Siebel / Vision Plus
- Freshdesk / Operations Center / Support Center / Basic SQL
Timeline
Associate- Credit Card Operation
Zeta
07.2023 - Current
Assistant Manager
Axis bank Ltd
11.2022 - 06.2023
Assistant Manager
Kotak Mahindra Bank Ltd.A
05.2021 - 11.2022
Operations Executive
Teamlease Pvt. Ltd. (Axis bank)
10.2020 - 05.2021
Operations Executive
Quess Corp Pvt.Ltd. (Axis bank)
09.2019 - 09.2020
M.com - Accounting And Finance
Mumbai University
B. COM - Accounting And Finance
Mumbai University
H.S.C. -
Maharashtra Board
S.S.C. -
Maharashtra Board
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