Shivani Tendulkar
Banker
Mumbai,MH
Summary
A BFSI professional with 9 years of work experience in merchant acquiring operations and driving digital payments, collaborating with various stakeholders to develop and manage partnerships, banking alliances and product management.
Overview
11
11
years of professional experience
Work History
Senior Manager-Operational Risk
Axis Bank Ltd
6 2023 - Current
- Operational Oversight: Manage processes related to digital payments (UPI, IMPS, Mobile Banking) and merchant acquiring, including FASTag.
Ensure smooth functioning across operations, technology, product, vendors, and partners (PA/PG), while mitigating internal risks. - Risk & Control Reviews: Conduct regular risk and control reviews to provide end-to-end transparency for stakeholders.
Monitor Key Risk Indicators (KRIs) to ensure operational risk is within acceptable thresholds. - Process & Control Improvements: Constantly work on improving processes, enhancing control measures, and increasing efficiency within products.
Perform regular reviews of digital payment products and merchant acquiring systems. - Risk Mitigation: Engage with business units to assess, prevent, and mitigate risks associated with various payment products.
Make critical decisions by identifying risks, escalating when needed, and proposing appropriate solutions. - Fraud and Operational Loss Management: Regularly review and maintain fraud/operational losses at acceptable levels.
Conduct root cause analysis and launch corrective actions. - Stakeholder Reporting: Publish periodic dashboards and reports on the business unit's performance.
Engage in meetings with heads of business, product, and CARO
Senior Associates
National Payment Corporation of India
08.2022 - 06.2023
- Strategic Relationship Management: Built and maintained relationships with key partners, large NBFCs, and cooperates.
- Product Lifecycle Leadership: Led the complete product lifecycle Product like Credit card, UPI Autopay, EKYC, NACH, AEPS, focusing on development, adoption, and customer success.
- E-KYC Product Development: Managed the development and execution of E-KYC products for NBEs.
- Collaboration with TSPs/ASPs: Worked with technology service providers to strategize and ensure seamless product rollouts.
- Use Case Development: Created and commercialized use cases from concept to execution.
- Synergy Strategies: Developed strategies to foster synergies between NPCI and financial institutions.
- Event Management: Played a key role in organizing major fintech events, including GFF 2022 and the G20 Fintech Summit.
Assistant Manager
Pine Labs Pvt Ltd
08.2021 - 08.2022
- Merchant Lifecycle Management: Oversee the complete lifecycle of merchants, from onboarding to ongoing support.
- Onboarding Coordination: Collaborate with merchants and the alliances team to ensure smooth onboarding processes.
- KYC Compliance: Collect, verify, and securely maintain statutory KYC documents for merchants.
- Timely Payments: Ensure merchant payments are released accurately and on time.
- Issue Resolution: Liaise with various departments (finance, legal, tech, and product) to resolve escalated issues quickly.
- Operational Metrics: Manage key performance indicators like SLA for query resolution, onboarding timelines, and KYC verification.
- Risk Management: Establish a maker-checker system for critical processes and control operational risks.
- Process Documentation: Create and update process documents regularly.
- Merchant Risk Assessment: Supervise merchant onboarding and assess risk based on the merchant's business model and credentials.
Senior Executive
Worldline India Pvt Ltd
06.2017 - 07.2021
- Internal Operations Management-Onboarding Requests for PSUs, domestic & international Banks
- Activation Requests Handling: Managed activation requests for the Internet Payment Gateway from the sales team and various banks.
- KYC and Documentation Maintenance
- Project Management: Oversaw critical and live project of bank related to POS & PG, ensuring successful implementation and operation.
- Coordination with Banks and Aggregators: Collaborated with various banks and aggregators for the activation of net banking services, wallets, and payment schemes including Visa, MasterCard, RuPay, American Express, Maestro, BQR, and UPI.
- Transaction Monitoring and Integration
Customer service officer - Branch Banking
Axis Bank Ltd
09.2013 - 01.2016
- Portfolio Management: Managed a diverse portfolio of active customer accounts, including NRI, Priority, and retail customers.
- Clearing Operations & Branch Accounting: Handled branch accounting activities, including Fixed Deposit Accounts, SL Transit, Clearing Accounts, and Internal Clearing Accounts.
- Payment Gateway Management: Managed payment gateways for Income Tax, Service Tax, and Insurance Policy payments.
- Internal Operations & Reporting of internal office account
- Team Leadership: Led a team of 4 personnel for clearings, addressing payment-related queries, and managing tax payments.
Education
MBA (finance) -
Jamnalal Bajaj Institute of Management Studies
M.Com - undefined
M.L. Dahanukar College of commerce
B.CAF - undefined
M.L. Dahanukar College of commerce
Skills
- Knowledge of regulatory frameworks
- Product lifecycle management
- Relationship Management, Bank Alliances & Partnerships
- Experience in digital payments systems
- Strategic Thinking
Profile
SHIVANI TENDULKAR, B3, 101, Jay-Vijay, Siddharth nagar, Behind IDBI quarters, Goregaon west, Mumbai, Maharashtra, 400104,
Languages
English
Hindi
Marathi
Konkani
Timeline
Senior Associates
National Payment Corporation of India
08.2022 - 06.2023
Assistant Manager
Pine Labs Pvt Ltd
08.2021 - 08.2022
Senior Executive
Worldline India Pvt Ltd
06.2017 - 07.2021
Customer service officer - Branch Banking
Axis Bank Ltd
09.2013 - 01.2016
Senior Manager-Operational Risk
Axis Bank Ltd
6 2023 - Current
MBA (finance) -
Jamnalal Bajaj Institute of Management Studies
M.Com - undefined
M.L. Dahanukar College of commerce
B.CAF - undefined
M.L. Dahanukar College of commerce
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