CAREER OBJECTIVE

Seeking a responsible and rewarding career in the Financial Services/Card Payment industry.

PERSONAL VITAE

USA Status: Green Card/Legal Permanent Resident

Home Address: F14 AVON Drive, East Windsor, NJ 08520 USA

Language Proficiency: English, Hindi, Malayalam and Tamil (speak only)

SUMMARY OF WORK EXPERIENCE

Expert in Scheme based Credit/Debit Cards/Prepaid & Retail Card products Management

Credit analysis, Risk evaluation and underwriting, Limit sanctioning.

Regulatory Compliance implementation and due diligence policy implementation.

Fully knowledgeable in End-to-End Card Business, Life Cycle Management and Back-end Operations

Defined and Successfully launched Various Credit and Retail Prepaid Card Products

Managed Sales Agents to achieve targets

Successful project Manager, managed and connected internal teams with project stake holders to timely meet project milestones.

Expert trainer, trained new incumbents

System and IT manger, testing and implementation of Applications

Software trainer.

EDUCATION

BSc -Bachelor of Science with Mathematics (main), Statistics & Physics from M G University, Kerala, India.

Post Graduate Honors Diploma in Systems Management from NIIT, Bangalore, India.

Diploma in Relational Database Management Systems - Oracle 10G & D2K, SSI, Chennai, India

Certificate in Fundamentals of Card Business from Visa Business School, Mumbai, India

Certificate in Advanced Fraud Management by Academy of Risk Management, MasterCard, Mumbai, India

Now pursuing Certificate Program in Quantitative Finance & Risk Management, IIQF, Mumbai, India

PROVEN SKILLS

Oral and written Communication, Organization and time management, Multi-tasking, Analysis & Attention to Detail, Leadership and team management, Prospecting & Planning, Build Relationships & People Skills, Initiative, Customer Focus, Emphasis Excellence, Due Diligence, User Training, Numeracy skills, Ability to interact and coordinate effectively with internal and external Technology partners, Ability to effectively direct and manage multiple functions, Good listening and learning.

TECHNICAL SKILLS

MS Excel, MS Word, Power Point, Oracle SQL, Unix, C, DOS, COBOL

AWARDS / REWARDS

Received “Award for Excellence” from M/s NIIT LTD, for superior performance

Received two promotions in BOBCARDS LTD on account of superior performance.

Rewarded for writing and publishing Credit Card Manual.

Received Honorarium from IBA (Indian Banks Association) for editing manuscript of Credit Card Manual.

CAREER PATH:

From Jun 15th 2016 To May 15th 2018

Senior Account Manager –Banking Financial Services & Insurance at GEMINI SOFTWARE SOLUTIONS PVT. LTD (A Kanoo Group Company) at Trivandrum, India

MAJOR RESPONSIBILITIES:

Support the definition of processes and policies, supply business rules and procedures, and communicate the contexts in which the rules, processes and polices are applied.

Represent Client’s business units’ needs to the project team.

Validate the requirements and deliverables.

Bring information about the project/program back to the Clients.

Provide input for the design and construction of test cases and scenarios, and validate executed test results.

Provide input /create and execute client user documentation and training material

Test the end product and provide feedback to the project/program team

Identify market trends and match product features.

Marketing support, Tender analysis and response.

From Aug 26th 2000 To Dec 12th 2014

Senior Vice President at BANK OF BARODA CARDS LTD at Mumbai, India

MAJOR RESPONSIBILITIES:

Head of Card Issuance Division: Manage overall activities within the Card Issuance Unit to ensure timely and quality services to internal and external customers. Ensure high-level cardholder satisfaction and minimize cardholder attrition and increase Cad usage and profitability. Credit analysis, Underwriting and Credit sanctioning.

Responsible for developing, maintaining and constantly improving processes relating to Pre and Post Card Issuance activities in accordance with Bank’s standards and by following best practice guidelines of Central Bank.

Maximize profitability by ensuring that Pre-Issuance operations with maximum efficiency, security & control. Proper logging and effective customer complaint management. Business planning, Channel and Team management in accordance with business plans.

Head of Card Acquiring Division: POS & E-commerce Merchant onboarding and Business Management.

Devised and implemented Merchant /Loyalty Reward Programs.

Transaction Risk Management. Merchant Fraud Control, MSF Analysis, Deployment and redeployment of POS.

IT Project Manager: Card Application Project Management. VAP-EAS & MIP DC/DR set up PCI DSS, PIN at POS Implementations.

Others: Profitability Analysis and Product remodeling, Risk Analysis, Implementation of Statutory and Regulatory Compliance, Due-diligence policy making, Managed business and IT Audits & PCI Compliance implementation, Internal staff training programs to enhance and upgrade the operational and technical skills, organized countrywide customer Meets & Merchant education programs.

From Nov 1st 1999 To Aug 18th 2000

Systems Executive, PEPE JEANS LONDON (I) PVT Ltd, Mumbai, India

MAJOR RESPONSIBILITIES:

Identifying business requirement and order and procure Hardware and software.

System Up-keeping and Maintenance.

Monitor IT Application projects. End User support and training.

From Jan 2nd 1995 To Sep 24th 1999

EDP In-Charge, SKANSKA CEMENTATION (I) LIMITED, Chennai, India

MAJOR RESPONSIBILITIES:

Identifying & fulfilling system hardware and software requirement.

User training. Application Testing and implementation.

Application development in FoxPro.

From Mar 5th 1991 To Dec 31st 1994

Faculty, NIIT LTD, Kochi, India

MAJOR RESPONSIBILITIES:

Imparting Computer Training. As faculty, computer training imparted to about 1,200 students during the tenure with NIIT.

Instrumental in organizing the library, system practice sessions, and also organized various cultural events, tours & picnics.

REFERENCE:

1.Ex-Colleague - Ms. Berly Varghese, Senior Executive at Trans Union CIBIL. Contact: ac7ol9@r.postjobfree.com, +91-992*******

2.Ex-Colleague - Ms. Sneha Rajput, Vice President, Bank Of Baroda Cards Ltd. Contact: ac7ol9@r.postjobfree.com, +91-704*******

3.Sister- Ms. Sujatha Manoj, Head of Engineering at Fugro Middle East ac7ol9@r.postjobfree.com, +971-*********

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