Lekha Mhadnak
Mumbai
Summary
Banking operations professional with over 8 years of experience in domestic payment transaction processing, reconciliation, and client servicing. Expertise in ACH, NEFT, IMPS, RTGS, and NPCI systems, with a strong focus on corporate payments and operational risk management. Proven ability to manage high-volume transactions with precision and ensure timely resolutions. Results-driven senior associate with several years of experience and a proven track record of success in project management, client relations, and team leadership. Adept at driving initiatives from conception to completion, while ensuring adherence to quality standards and timelines. Strong communicator with a talent for building and nurturing productive relationships.
Overview
1
1
Certification
12
12
years of professional experience
Work History
Senior Associate – Payment Operations
HSBC Bank India
Mumbai
11.2018 - Current
- Managing multiple domestic payment products including ACH Debit Inward, ACH Credit Inward, ACH Credit Outward, NEFT Bulk, IMPS, Direct Debit (IAT Transactions), and daily operational activities.
- Process IMPS transactions including file uploads, reconciliation, and issue resolution.
- Handling chargebacks, credit adjustments, and good faith claims.
- Ensure accurate transaction processing and timely resolution of operational issues.
- Support the Treasury team in predicting and funding bank cash positions.
- Process ACH Credit Outward and NEFT Bulk payment files for corporate clients, including salary, dividend, bonus, GST, and tax payments.
- Process ACH ECS Debit & Credit requests through the NPCI system.
- Responded to client queries regarding ACH mandates and SIP. and cancellation requests related to ACH mandates and SIP.
- Processing utility bill payments for BillDesk and PayU vendors.
- Prepare GST charges and irrecoverable charges data.
- Perform daily reconciliation of RBI RTGS accounts.
- Generated user codes for NPCI access for corporate clients. and names for corporate clients.
- Coordinate with Relationship Managers for audit requirements.
- Collaborate with various departments for clearing account holds and resolving CGST-related issues.
- Process Direct Debit Requests (Internal Account Transfer) and share status reports with clients.
- Prepare return charges files and GST invoices for clients.
- Provide product-related training and monitor GSC Team activities for Credit Inward files.
- Validate account numbers for CBDT, DGFD, GSTD, and AV files received from NPCI.
Senior Mail Executive
Talent Pro Pvt. Ltd. (HDFC Bank – Payment Gateway)
03.2017 - 11.2018
- Handled online payment-related queries from merchants regarding nonreceipt of payments.
- Processed refunds, good faith claims, and manual processing requests.
- Managed rental reversal, rental activation, and MDR repricing requests.
- Resolved merchant complaints through emails, CRM software, and calls related to PG and POS services.
- Shared merchant payout reports on registered email IDs.
- Processed account linkage, delinking, and name change requests.
- Provided FIRC certificates, service tax certificates, and GST invoices to merchants.
- Maintained salary files and processed reactivation cases.
Admin Assistant – Payment Department
Microcom Data Centre (HSBC Bank)
06.2015 - 12.2016
- Received customer fax requests for RTGS, NEFT, and IAT transactions.
- Updated single requests in LA (Light Automation) system and bulk requests in Web Tracker.
- Performed transaction reconciliation.
- Maintained MIS reports and submitted transaction details to supervisors.
Clerk
Punjab & Maharashtra Co-operative Bank
07.2014 - 12.2014
- Managed inward and outward clearing activities.
- Performed passbook printing and cheque book printing.
- Assisted customers with return outward cheques, Visa cards, and Visa PIN-related queries.
- Updated and maintained 15G and 15H forms.
Education
B.Com -
University of Mumbai
H.S.C -
University of Mumbai
S.S.C -
Maharashtra State Board
Skills
- Payment processing
- Transaction reconciliation
- Data validation
- Risk assessment
- Problem solving
- Attention to detail
- Timeline estimates
- Training and mentoring
- Adaptability and flexibility
Languages
- English
- Marathi
- Hindi
Personal Information
Date of Birth: 10/23/93
Certification
- MS-CIT Certification: Grade 80%
Timeline
Senior Associate – Payment Operations
HSBC Bank India
11.2018 - Current
Senior Mail Executive
Talent Pro Pvt. Ltd. (HDFC Bank – Payment Gateway)
03.2017 - 11.2018
Admin Assistant – Payment Department
Microcom Data Centre (HSBC Bank)
06.2015 - 12.2016
Clerk
Punjab & Maharashtra Co-operative Bank
07.2014 - 12.2014
B.Com -
University of Mumbai
H.S.C -
University of Mumbai
S.S.C -
Maharashtra State Board