Academic Qualifications And Certifications
Course Type Institute/
University Completion Year Validity License No
SAFe® 4 Agilist Certificate SAFe Jun 2019 Jun 2020 27557504-6083
Advance Diploma In Management Diploma ICFAI Tripura May-2015 Life Time
Project Management Professional (PMP)® Certificate PMI Jun 2012 Jun 2021 1510425
Advance Diploma In Computer Application (DOEACC A-Level) Diploma DOEACC 2004 Life Time
Mathematics Honours Graduation Degree Delhi University 1998 Life Time
Trainings
• Introduction to Big Data Certification Date Nov 2017 License GPDH64D7TVF7
• CompTIA Security+ (SY0-501) Cert Prep: 6 Cryptography Certification Date May 2018
• Oracle Database 11g Administration Workshop I Ed 2, 18-Nov-11
Technical Skills
Database: Oracle, FoxPro
Languages: SQL, PL/SQL
Tools: MS Office (Word, Excel, PowerPoint), MS Visio, MS Projects, JIRA, Tortoise SVN, PL/Sql Developer, Toad
Applications Managed/Developed/Worked
• PRIME and ONLINE (Credit Card Management and Authorization System). [TSYS Prime 3.x, TSYS Prime 4]
• FSS DCMS (Debit Card Management System)
• FICO Falcon (Fraud Manager to prevent, detect and resolve financial fraud across debit, credit, prepaid cards, UPI, RTGS, IMPS payment methods)
• YSE PCS and NARADA Switch (Prepaid card management and authorization system)
• PROCEED (Transit management and authorization system)
Techno Functional Experience
• Rewards and Campaign
• Card acquisition : De-dupe, AML, Scoring [Integration with Blaze, Posidex, Hunter]; Clearing and Settlement
• Collection Management
• Dispute Management
• Fraud and Risk Management
• Loan and Instalments, Payments, Fees, Interest
• Issuer Tokenization, Bharat QR, EMV and Contactless, AFT, MDES, Statements
• Security and Compliance (Scheme Mandate, Regulatory Mandate, Application Security)
• Merchant On-boarding
• Understanding of PCI-DSS and PA-DSS and its implementation
• Digital Banking [Cards Related Mobile and Web Applications]
• GST, General Ledger
• Clearing and Settlement
• Understanding of ISO messages
• Working experience with Payment Associations like Visa, MasterCard, Discover, NPCI
• Corporate Card Management
• Issuer and Acquirer Hierarchy Module
• Authorization Module
• User Access Management
• Card Operation Automation
• Reconciliation Module
• Data Migration
Organisational Experience
Organisation Name : Axis Bank Limited
Organisation Detail : Third largest private sector bank in India offering entire spectrum of financial services for personal & corporate banking.
Location : India, Mumbai
Designation : Deputy Vice President
Period : Dec-2016 – Till Date
Role and Responsibility:
Portfolio:
• Prepaid Cards: Single and Multicurrency Forex Card. Closed and Open Loop.
• Transit Systems: Bangalore Metropolitan Transit Corporation, Kochi Metro and Bus, Raipur Smart City
• Transaction Risk Monitoring: Credit Cards, Debit Cards, Prepaid (Forex and INR) Cards, UPI, IMPS, EPH, Mobile and Internet Banking, NEFT and RTGS.
• Managed Debit and Credit Cards: Authorization and Management Applications
General Management & Strategy Development:
• Work with senior leadership to improve service quality, gain efficiencies, and reduce operating costs. Act as a change agent in conjunction with management to improve card services initiatives, IT and Business operation automation.
• Annual Operating and Long Range Planning.
• Responsible for executing business and IT Strategy.
• Preparation and management of Opex and Capex Budget.
• Responsible for development & continuous improvement of existing processes & workflow. Engage organization in introducing ideas for improving client services.
• Involved in analysing present-state, developing alternative/future-state approaches, and facilitating prioritization decisions.
Business Solution:
• Oversee business solution for launch of cards and transaction risk monitoring related products.
• Approver for change management committee from cards related products and projects.
• Lead discussion with Visa, MasterCard, Discover and NPCI for a product solution.
• Responsible for technical and function solution of business requirements.
People Management:
• Leading team of 15 on-roll staffs. 2 Assistant Vice President, Senior Managers and Managers with role of project management, delivery management, programmer/developer, business analyst.
• Managing 20+ sub-contracted team member with role of 24/7 production support, UAT, software development activities, IT operations, Business Operations.
• Managing team in direct and dotted reporting line.
• Responsible for staff development which includes individual and team goals, coaching and counseling, training plans, mentor and career planning.
• Resolving conflict through expert collaboration and broad decision-making.
Vendor Management:
• Negotiate pricing and contract terms.
• Ensure SLA are meet by vendor.
• Weekly and monthly meeting to resolve issues related to vendors and deliveries.
• Ensure timely issuance of purchase order, invoice approvals and payment.
Project and Program Management:
• Steering committee meeting for cards related projects.
• Project and change request prioritization.
• Manage and direct overall project team activities and monitors progress, including project health, capacity planning, developing and mentoring staff, and internal process improvement activity.
• Managing end to end 100+ Change Requests in pipeline along with a minimum of 3 programs of 6 to 12 months of duration.
Regulatory and Compliance:
• Proactively identify issues/potential compliance issues and regulatory breaches. Ensure appropriate actions are taken to resolve issues.
• Provide quality interpretation and advice on new regulations, ensure effective implementation of the same for cards business.
• Ensure timely response to RBI/Internal Auditor
Organisation Name : TSYS International
Organisation Detail : TSYS is an American credit card processor, merchant acquirer and bank credit card issuer. TSYS provides payment, processing, merchant, and related payment services to financial and nonfinancial institutions in the United States, Europe, Canada, Mexico, and internationally.
Location : India, Mumbai, Noida
Designation : Manager Distributed Technologies
Period (Role) : Jul-2005 - Dec-2016
Role and Responsibility:
During the tenure of 11 years in the company, worked with various roles and responsibility. The responsibility started as support analyst for credit card application (Prime and Online, Issuing and Acquiring) then proceeded as team lead, technical manager, manager distributed system, project managers, resource manager and business system specialist.
General Management & Strategy Development:
• Lead Software Development in the area of Credit Cards (Issuing and Acquiring).
• Streamlined client support, post migration of credit card (issuer and acquirer) portfolio for banks such as ICICI Bank, Axis, Eco Bank, AIDB, Al Rhazi Bank, Royal Bank of Trinad and Tobago by implementing Develop Once - Use Multiple times strategies.
• Act as Process Manager and oversee various functions entailing business process management studies related to existing processes &improving them to automate/digitise the key processes which brings operational efficiency as well as increasing the internal & external customer experience
• Manage the overall service delivery/ performance of the accounts, as regards to the SLA contracts and escalation management with key focus on improving the quality and response times of the team’s delivering capabilities, having proper contingency plans in place and efficiently handling crisis situations.
• Work on queries, escalation of the team members and ensure that all SOP’s are updated with new updates, shared and implemented by the team.
• Identifying the opportunity areas to save cost and run operations in efficient and effective manner and thereby helping the process in reducing operational cost.
• Lead three region (India, Middle East and Affrica) Banks 24/7 production support team.
Business Analysis and Solution:
• Lead the discovery and deep dive session during requirement gathering phase of projects of multi Country Clients viz. India, UAE, Africa, Cyprus, UK, US, Russia, Philippine.
• Presented the TSYS Prime (Card Management and Authorisation system), Issuing and acquiring solution, to various Banks to fulfil the business and operational requirement.
• Provide responses to the pre-sale team for RFP queries.
• Work as subject matter expert for Cards and Payments system.
• Responsible to provide solution for the banks requirement to customise/enhance/get it fulfilled with existing product.
Project and Program Management:
• Managed 300+ Projects with 100+ programs.
• Manage multiple projects from small (10-20 man-days) to major project (1,000+ man-days) in card domain (issuer and acquirer) with payment associations like VISA, MasterCard, CUP and Amex.
• Liaise with various stake holders such as Development Team, Project Managers, Project Leaders, Product Managers, QA team, UAT Team, Card Business team to gather requirement, propose solution, resolve issue and queries.
• As a project manager, successfully Implemented multiple Major Credit Card Projects ranging from 20 Man-day to 1,000+ man-days) in card domain (issuer and acquirer) with payment associations like VISA, MasterCard for below mentioned clients
o ICICI (Issuing and Acquiring), Axis
o Royal Bank of Trinad and Tobago (Issuing), Eco Bank (Issuing EMV and Acquiring): PDP for 30 African Countries, Implemented for 10 Countries in Phase-I with go-live for 3 Countries.
o National Bank Of Zimbabwe (Issuing EMV and ATM Acquiring), Commercial Bank Of Zimbabwe (Issuing EMV and ATM Acquiring)
o QIIB Qatar, ADIB Abu Dhabi
o Metro Bank, Philippine. Union Bank Of Philippine Philippine
• Credit of making card projects live, which was getting extended for years, by convincing senior management stake holders with key decisions
Vendor Management:
• Managed key accounts such as ICIC Bank, Axis Bank, Capgemini Sub-contract
• Manage sub-contractor. Conduct Quarterly Business Review meeting with the sub-contractor manager. Manage effort utilisation and payments to the vendor.
• Prepare the overall service delivery/performance of the accounts, as regards to the SLA contracts and escalation management with key focus on improving the quality and response times of the team’s delivering capabilities, having proper contingency plans in place and efficiently handling crisis situations.
• Contributed for drafting a win-win contract with subcontractor vendor in line with company’s resource demand and minimum financial impact during dynamic ups and down phase of resource demand along with quick availability of fit for purpose technical and project management team members that helped the company in saving 33,600.00 UK Pound.
• Liaise with legal team for Contract preparation.
• Approve work and ensure that billing is done accurately based on work deliverables. Prepare monthly accrual report for accounts. Prepare and monitor the budget for available and required resources.
People Management:
• Lead multiple locations team viz. India, Russia, Malaysia, Cyprus.
• Lead 24/7 Application Support Team responsible to provide support for global major banks.
• Successfully built a resource pool of 80-113 sub-contracted Team Members to provide fit for purpose team members to different departments such as Service Desk, PMO, Software Development, Project Deliveries, Payment Scheme Compliance implementation that helped the company in 2012.
• Facilitate demand based skill set growth and product (Prime Issuing and Acquiring, EMV, Visa, MasterCard) Knowledge.
• Provide monthly forecast to business, Monitor Revenue recognition, ensure resource utilization within project. Build effective team to meet project needs, manage scope, Plan, and Risk.
• Credit of building a growth development process for technical team members to reduce attrition rate.
• Adopted key strategies such as Resource Ring Fencing, Core – Ramp-up – Ramp-down strategies to build business.
Organisation Name: Reliance Energy Ltd. (BSES) (on Behalf of Felxione), New Delhi
Location: India, New Delhi
Designation: Programmer
Period (Role): Apr-2003 – Jul-2005
Roles and Responsibility:
• Lead team of programmers for the development of various modules for analysis, billing and recovery need of power distribution functionality.
• Electricity Billing Analytic Report
• Corporate Reports
Organisation Name: Beetal Financial and Computer Services (P) Ltd
Location: India, New Delhi
Last Designation: Programmer
Period (Role): Apr-2002 – Apr-2003
Roles and Responsibility:
• Responsible for Design, Development and Data Processing of Fixed Deposit system for Non-Banking Non-Financial Institution.
• Functionally managed Fixed Deposit processing for 5 clients of the company.
• Developed Fixed Deposit Processing system with existing data migration from FoxPro to Oracle.
Key Projects
? Android Pay Support and HCE Base mobile application [Token and Alternate PAN method]
? Instant Card Issuance: Virtual (via Mobile, Tablet and Web Application); Physical (Kiosk and Branch)
Organization: Axis Bank Ltd.
Detail: Develop new mobile application which can act as digital wallet using HCE and NFC technology for card transaction in a secure ways. The project involved new android based application which is able to consume Visa and MC APIs for card provisioning for tokenization and token based transition. It involved new BIN procurement, key exchange and integration with core banking system, base24 switch, credit card switch, enhancement in credit card management system, credit card authorization system, base 24 to support tokenization life cycle. Project involved co-ordination with network team, server team, firewall team, centralised procurement team. The project also involved internal development.
Role: Solution Architect, Cost Negotiation, Project Management, Delivery Management, Vendor Management, People Management, SME
Team Size: 5 Vendors, Infra Team, 6 technical team members, 3 tester, Card Business, Operation
Technology Involved: PL/SQL, Oracle, Linux, Java
? Multilingual IVR
Organization: Axis Bank Ltd.
Detail: Whenever there is suspected fraud transactions identified by Falcon, based on predefined rule, automated call to be initiated on the registered mobile number of the customer. The option message to be run in English or 8 Indian languages depending on the preferred language selected in previous call. Based on the customer feedback option selected the appropriate automated action to be performed like temporary card blocking.
Role: Business Analysis, Solution Architect, Cost Negotiation, Project Management, Vendor Management
Team Size: 2 Vendors; Infra Team, Fraud Monitoring Business, 2 Tester, 2 technical team member
Technology Involved: PRI Line, Oracle, Linux
? GST Implementation (Credit Card And Forex Cards)
Organization: Axis Bank Ltd.
Detail: Implemented the GST requirement of the government for credit and forex cards by enhancing the exiting Credit Card Management System and Pre-Paid Card Management System. The system has been enhanced to levy required rate on the identified transactions and integrate it with centralized invoice generation system.
Role: Business Analysis, Solution Architect, Cost Negotiation, Project Management, Vendor Management
Team Size: 2 Vendors; Infra Team, Fraud Monitoring Business, 2 Tester, 2 technical team members
Technology Involved: PRI Line, Oracle, Linux
? Bangalore Metropolitan Transport Corporation Transit System
? Kochi Metro: Mobile App, Open Loop Card Issuance and Acceptance on ETM, POS, e-com, Bus and Metro Ticket.
? Raipur Smart City: Mobile App, Open Loop Card Issuance and Acceptance on ETM, POS, e-com.
Organization: Axis Bank Ltd.
Detail: BMTC, Kochi Metro and Raipur Smart City are the strategic government projects where by mobile application, web application developed as per the requirements of three different projects. The application to be integrated with core transit card management systems PayCraft Card Management System and Proceed management system for card funding, statement view and transaction view as a major requirement. The project involve three different product of open loop chip and pin and contactless card certified with NPCI, Visa and Master Card. The project involved integration of metro and bus services for card as well as cash ticketing using hand held terminals and terminals installed at metro stations. The project also involved terminal management.
Role: Solution Architect, Cost Negotiation, Program Management, People Management, Vendor Management, Oversee Terminal Key Exchange
Team Size: 6 Vendors; 7 technical team members; 40+ support staff; 2 Business Verticals; 10 testers
Technology Involved: Oracle, Linux, Java
? Bharat QR Implementation
Organization: Axis Bank Ltd.
Detail: This is Indian government strategic project where by a unified QR was introduced for RuPay, Visa and Master Card. This is issuer initiated transition rather than acquired initiated transaction. This project involved new mobile application development which was latter ported to exiting mobile banking application under scan and pay option. It also involved new BIN setup, certifications with NPCI, Visa, Master Card, server procurement, application security, and firewall.
Role: Solution Architect, Cost Negotiation, Project Management, People Management, Vendor Management
Team Size: 3 Vendors; 3 technical team members; 4 testers
Technology Involved: Oracle, Linux, Java, Tomcat
? Centralised Prepaid Instrument Management (Dedupe and Limit Management)
Organization: Axis Bank Ltd.
Detail: Build dedupe and limit management application which is integrated with YSE, Proceed, PayGo, Fast Tag, PayCraft Card Management Systems. It involved new core application development, API building, API integration via Enterprise Bus Service, Open API, One Time data de-duplication, H/W procurement, Firewall and other infra management.
Role: Solution Architect, Cost Negotiation, Project Management, People Management, Vendor Management
Team Size: 4 Vendors; 3 Technical Team Members; 4 Business Vertical; 10 tester
Technology Involved: Oracle, Linux, Java
? Debit Card Management System Upgrade and Migration
? Credit Card Authorisation System Upgrade and Migration
? Falcon 6.3 to 6.5 upgrade
Organization: Axis Bank Ltd.
Detail: This program involved development on new DCMS application in-line with existing debit card management system. For credit card it was new version implementation and data migration for Falcon it was new version implementation and profile building. The project involved in-house development, H/W procurement, s/w installations, firewall, integration with UPI application, prepaid card, debit card, credit card application. It also involved New BIN setup, key exchange, data migration.
Role: Cost Negotiation, Project Management, People Management, Vendor Management
Team Size: 3 Vendors; 8 technical team members; 5 Business Verticals; 8 testers
Technology Involved: PL/SQL, SQL, Oracle, Linux, AIX, Java, Couch Base Database
? Prime 4 Migration [Multiple Migration for multiple clients]
? Prime 4 Implementation [Multiple Bank and Countries]
Organization: TSYS Card Tech Services India Pvt. Ltd.
Detail: Projects was upgrade from legacy card management application to latest card management system with issuer and acquirer modules for card processing and authorisation. The project involved RFP response (for green field projects), gap analysis (for upgrade project), and scheme certification. One of the project was implementation of the application for 30 Countries in 3 phase-1, 10 countries in each phase. The projects was for ICICI (Issuing and Acquiring), Royal Bank of Trinad and Tobago (Issuing), Axis (Contact Less), Eco Bank (Issuing EMV and Acquiring), 30 African Countries, National Bank Of Zimbabwe (Issuing EMV and ATM Acquiring), Commercial Bank Of Zimbabwe (Issuing EMV and ATM Acquiring)
Role: Business System Specialist, Project Management, Solution Architect, Cost Negotiation, Project Management, People Management, Vendor Management
Team Size: 5 team member project team with one team lead, QA resource pool, Core Development resource pool, BA resource pool. The individual project was of minimum 1200 Man Days
Technology Involved: PL/SQL, Oracle, Linux, Java
? 24/7 Support Team Setup
Organization: TSYS Card Tech Services India Pvt. Ltd.
Detail: The project was to setup 24/7 production support team for Middle East, Africa, India and Sri Lanka Clients. The support structure was built with 4 region team with day time team lead and out-off office hour support team in rotation.
Role: Project Management, People Management
Team Size: 25 Analysts; 4 Team Leads
? Fit For Purpose Resource Pool [120 Technical Resources]
Organization: TSYS Card Tech Services India Pvt. Ltd.
Detail: Finalisation of vendor who could be capable of quick ramp-up and rap down the resources as per project pipeline. Prepare the win-win contract, Liaoning with legal team. Have ring fencing modal in place to minimise the knowledge transfer loss due to attrition. Have on boarding plan in place starting from resource finalisation based on interview, back ground check , NDA sign-off, formal training, task under supervision and the make the resource productive with minimum supervisions. Resource allocation based on project manager demand and other resource pool request. Make sure 80%+ resource utilisation is maintained annualy.
Role: Project Management, People Management, Vendor Management
Team Size: 4 Team Leads and 120 sub-contracted staff located remotely
? Electricity Billing System
Organization: Reliance Energy on Flexione Pay Roll
Detail: The application consist of various modules for customer registration, meter reading, billing and recovery need of power distribution functionality. The application was used to generate various reports and bill printing in printer/ printing file for bulk printing.
Role: Lead team of programmers for the development PL/SQL packages, SQL queries
Team Size: 20
Technology Involved: Oracle, Linux, FoxPro
? Fixed Deposit Processing System For Non-Banking Non-Financial Institutions
Organization: Beetal Financials and Computer Services Pvt. Ltd.
Detail: Develop Fixed Deposit Processing system with existing data migration from FoxPro to Oracle. This application consists of customer on boarding, interest rate setup, Interest rate calculation, FD certificate issuance and renewal, Form 15H issuance, cheque printing, report generation. The application was used to manage Fixed Deposit processing for 5 clients of the company.
Role: Responsible for Design, Development and Data Processing of Fixed Deposit system for Non-Banking Non-Financial Institution.
Team Size: 2 Operators
Technology Involved: Oracle, FoxPro
Personal Details
Date of Birth : xx-xx-1976
Gender : Male
Marital Status : Married
Languages Know : English, Hindi
Mailing Address : B-1402, Claremont B Wing, Lodha Luxuria, Majhiwada, Thane (W), Maharashtra