Detail-oriented individual with exceptional communication and project management skills. Demonstrated ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for proactive problem-solving, optimizing processes, and supporting team objectives.
Overview
14
14
years of professional experience
Work History
Assistant Vice President – Sr. Lead BSG Credit Cards
BANDHAN BANK
01.2024 - Current
End to end ownership of customer onboarding journey from lead generation to card issuance across all digital channels - DIY & Assisted for the successfully CUG launch
Benchmarking customer journeys for credit card application in Banking and FinTech industry to design seamless customer journeys in DIY & assisted channels for the customer launch
Built seamless DIY customer journeys for on boarding and issuance of instant virtual card to STP customers using Vahana (SaaS platform), integrated NSDL, CIBIL, UIDAI, Experian & BRE APIs
Created product roadmap, handled end to end product lifecycle of ETB & NTB credit cards including Addon & Secured card
Liaising with cross functional teams – Sales, Risk, Credit, Policy, Marketing, Operations, Legal & Compliance team for requirement gathering and 100% regulatory compliance
Assistant Vice President- Business Project Manager (CREDIT CARDS)
IDFC FIRST BANK
02.2023 - 01.2024
Led the strategic implementation of the ‘Conversational AI’ platform for Credit Card offerings, ensuring seamless alignment with BOT technologies and compliance with regulatory, privacy, and security standards
Collaborated with business and technology subject matter experts to assess requirements, define scope, create estimates, and prepare project plans
Gathered requirements and created project scopes from product teams, sales teams, third-party vendors, and other stakeholders
Analyzed the feasibility of requirements and converted them into business requirement documents (BRD) and functional specification documents (FSD)
Worked closely with cross functional teams during the SIT, UAT, Testing, CUG, and Go-live phases
Facilitated the closure of audit, security, and ARC-related points
Participated in requirement and architecture briefings to assess feasibility
Provided regular updates to the Bank’s top management on project status
Demonstrated strong understanding of API integration and encryption/decryption processes
Managed end-to-end API integration with all digital platforms
Hands-on experience with the Credit Card application – TSYS Prime
Actively participated in Disaster Recovery activities
Assistant VICE PRESIDENT- BUSINESS AND DIGITAL TECHNOLOGY SOLUTIONS GROUP (credit cards & BNPL)
YES BANK LIMITED
12.2019 - 02.2023
Devised project plans and engagement activities with key decision makers - credit managers, risk managers, UI/UX and compliance team for the digital acquisition platforms for Credit Cards & BNPL [Buy-Now-Pay-Later]
Collaboratively worked with fintechs/co-brand partners to drive end-to-end credit card acquisition programs
Analyze business client needs and document requirements
Working experience and understanding of digital sourcing covering customer onboarding, underwriting and risk management
While communicating with business and all stakeholders, to translate banks requirements into practical solution, ensuring to propose architectural functional design meet biz requirement, complies to internal architectural review committee (ARC) guidelines and regulatory requirements
Ensure digital initiative for pre and post acquisition experience with existing and new banking cobrand partners
Worked as part of legacy credit card application processing system migration and transformation strategy
Sr. software engineer –Project delivery
EURONET SERVICES INDIA PVT LTD.
04.2016 - 11.2019
Responsible for delivering changes in the application (ITM – Integrated transaction manager) as per the scope
The change delivery portfolio was responsible for the end-to-end development and configuration changes in the application
The changes included coding in RPG, COBOL programming languages
Responsible to maintain the team morale in order to maintain their focus on the quality of the delivery
Catering to post migration issues / defects raised by client during the user testing round
Supporting the card schemes (VISA, Mastercard, Rupay) testing with certifications as scoped
Supporting the client testing with quick resolution of the issues/ observations raised
Maintain the application by initiating, executing the required upgrades as issued by the global development team
Deputy manager-functional analyst
HDFC BANK
12.2015 - 03.2016
Gathering Business Requirements, Analysis and preparing Business Requirement document and discussion with the vendor
UAT (User Acceptance Testing) Test Cases Finalization
Execution of UAT as per plan defined
Defect reporting with IT / Vendor and getting it fixed to ensure quality
User Demo / Audit Demo / BPRG Internal Review for Sign-off
To conduct PVT (Production Verification Test) post go-live of an enhancement or a project
To provide Post Go-live Support to the User w.r.t
Functional Queries
SOFTWARE ENGINEER
EURONET SERVICES INDIA PVT LTD
05.2014 - 12.2015
Implementation Web CMS – Online Card Management Portal interfacing with SCB Core Banking Unit EBBS
Managed SIT / UAT issues, User clarifications onsite at Malaysia and Singapore, worked on the solution with SCB business team/ higher management
Guided team to implement the changes/ fix to close the issues
Planned and managed production roll out activities of Web CMS / Web Services for SIMCO
Handled post-production roll out and BAU issues
Worked with EN team, SCB Team and higher management for the resolution of issues
Interacted with SCB Singapore, Malaysia, DBS Singapore & Doha bank business team for capturing the end users’ needs and drafting the business requirement documents
Production support for services deployed on hosted service such as Web Card Management System & Web Services for clients
Proposing feasible solution, design and clarification to the client requirement for Biometric Authentications (UIDAI)
Acting as a Single Point of Contact between client, development team and QA team
Documented, designed and implemented Digital Banking Payment for DBS Bank
Finalizing JIRA flows for new projects and participation in Change Advisory Board
Responsible for migrations from UAT to production, bug fix and normal operational changes
SR. EXECUTIVE-TECHNICAL OPERATIONS
WAVECREST PAYMENT TECHNOLOGIES Pvt. ltd
06.2013 - 05.2014
Credited for the contribution in Operational & Support process for the successful launch of Jio Money pilot phase
Liaise and work closely with Business team, Sales team, Software Development team and other departments as required to achieve required objectives
Assistance with development of test cases, testing and analysis to reduce instability & conducting User Acceptance Tests (UAT)
Mapping the requirements to the AS-IS Base Product and segregating the requirements for customization
Coordination with Technical team and end users to determine patches/updated logic and application upgrades implementation and track functional upgrades in PPI
Provide frequent reports and presentations to management on business unit’s status and areas for improvement
Reconciliation of Bank Summary Report and daily transactions like NEFT, P2P, P2M etc
On daily basis
Rendered assistance to AVP – Crafted & Developed Domestic Remittance process
Maintained a current understanding of money laundering and terrorist financing issues, including policies, procedures, regulations, industry best practice, criminal typologies and developing trends
SR. CARD MANAGEMENT EXECUTIVE
Advait Techserve India PVT.LTD
08.2010 - 06.2013
Involved in end-to-end testing and requirement gathering for new bank on-boarding for Card Issuance, Pin Mailer Printing & Audit Reports
Liaising with Bank & Visa for new card design and approvals
Handled embossing and encoding of cards
Inventory Control of physical plastics
Managing complete undelivered card stocks and MIS
Handled the complete end-to-end processing of Loyalty operations for Deutsche Bank
MIS Management
Processing of Positive Balance File for Middle East Banks (Use of AS400)
ATM TMK configurations
Handled customer queries related to transactions, card & account maintenance (Use of Web CMS tool)
Acted responsible for P&L Management for card team
Education
Bachelor of Computer Science -
Patkar College
Skills
Digital Customer Onboarding
Technicalcompetencies
COBOL, RPGLE, JCL, CL, SQL, JIRA, Waterfall, Agile, MS Office – Word, Excel, PowerPoint
Awards
Y-STAR OF THE MONTH, 08/2021
Key Result Areas
Project Planning - creating a comprehensive project plan including milestones and accountabilities
Process Orientation - ability to perform within existing systems and processes, while managing project for process improvement
Problem diagnosis and troubleshooting techniques
Timeline
Assistant Vice President – Sr. Lead BSG Credit Cards
BANDHAN BANK
01.2024 - Current
Assistant Vice President- Business Project Manager (CREDIT CARDS)
IDFC FIRST BANK
02.2023 - 01.2024
Assistant VICE PRESIDENT- BUSINESS AND DIGITAL TECHNOLOGY SOLUTIONS GROUP (credit cards & BNPL)