VIMAL RAJ K
Associate Vice President
Chennai
Summary
Associate Vice President with expertise in fintech, specializing in payments settlement operations and automated reconciliation. Proven ability to manage complex projects, focusing on card processing, audit and risk controls, and chargeback processes. Demonstrated success in delivering strategic initiatives to senior stakeholders, ensuring compliance and operational efficiency. Strong background in management information systems and reporting, driving process automation and regulatory adherence.
Overview
10
10
years of professional experience
Work History
Associate Vice President
M2P Fintech
06.2019 - Current
- Spearheaded end-to-end recon360 implementations for banks and financial institutions across Europe, Middle East, Asia, and India, delivering automated reconciliation solutions across prepaid debit, credit, forex, BBPS, AEPS, fleet, PPI, and NBFC products.
- Managed global payment networks, including Mastercard, Visa, and NPCI, ensuring regulatory compliance. Oversaw ATM, CDM, and BNA transactions, facilitating onus/offus processing and cash tally reconciliation.
- Spearheaded visa vcx migration for 50+ banks, collaborating with visa and multiple banking stakeholders to ensure project delivery within aggressive timeline without operational disruption.
- Facilitated core banking system (CBS) and reconciliation tool migration initiatives, ensuring seamless transition and precise data mapping
- Proactively develop and execute comprehensive reconciliation frameworks before new application go-live, ensuring flawless processing of credit card, debit card, POS, and forex card transactions across multiple clients.
- Engineered and executed zero-touch reconciliation frameworks utilizing advanced SQL procedures to eliminate manual intervention and ensure seamless transaction matching prior to tool deployment.
- Spearheaded global reconciliation programs for clients across UAE, Bahrain, Oman, New Zealand, Singapore, Philippines, and India, ensuring seamless integration with payment networks and banking systems.
- Oversaw RBI and PCI-DSS audit engagements, enhancing compliance controls and ensuring adherence to regulatory and security standards.
- Create SOP and FSD documentation for new client onboarding and project delivery to ensure clear process documentation.
- job role: associate vice president oct’25 – present
- Job role: Senior Operations Manager Apr’23 – Oct’25
- job role: operations manager April 2021 – March 2023
- job title: senior operations engineer jun’19 – apr’21
Processing Officer
In-Solutions Global Pvt Ltd
05.2016 - 06.2019
- Oversaw end-to-end debit card transaction reconciliation and daily settlement across NPCI (NFS, RuPay, IMPS, UPI), Visa, Mastercard, and Maestro networks, ensuring precise transaction matching and break resolution.
- Managed complete dispute lifecycle encompassing chargebacks, good faith pre-arbitration, re-presentment, and arbitration while collaborating with network partners for prompt resolution.
- Processed and reconciled IMPS and UPI transaction files, ensuring accuracy in settlement reports
- Addressed transaction processing challenges, file-level discrepancies, and operational queries in conjunction with internal teams and payment network stakeholders.
- Project 1: Debit Card Reconciliation System IMPS and UPI (Client: Karur Vysya Bank)
- sector: bfsi transactions and payment processing
- role: processing officer
Education
Higher Secondary Certificate (12th) & Secondary School Certificate (10th) - undefined
St. Joseph Higher Secondary School
CuddaloreBachelor of Engineering (B.E) - Electrical & Electronics
PGP College of Engineering & Technology
01-2014
Skills
Banking operations and payment processing Fintech operations and strategies Transaction reconciliation
Settlement oversight Credit card auditing
Lifecycle transaction oversight
Payment processing systems
Regulatory adherence RBI compliance
Conflict resolution Financial oversight
Customer support and engagement
Leadership and development
Disclaimer
I do hereby declare that all the above provided information is true and authentic to the best of my knowledge.
Timeline
Associate Vice President
M2P Fintech
06.2019 - Current
Processing Officer
In-Solutions Global Pvt Ltd
05.2016 - 06.2019
Higher Secondary Certificate (12th) & Secondary School Certificate (10th) - undefined
St. Joseph Higher Secondary School
Bachelor of Engineering (B.E) - Electrical & Electronics
PGP College of Engineering & Technology