Murari Kumar Jha

Murari Kumar Jha

Professional Summary

Is a Senior Consultant with Capgemini USA PLC During his NINE years stint at Capgemini, he has been involved in

Architectural Design and Application Development Management for the Business Applications servicing the Credit Cards

Domain.

He is a Subject Matter Expert in the SNAP, CDM & RAD systems for Bank & Retail credit cards. He has worked mainly

on CICS, VSAM, JCL and COBOL and tools like File-aid, change man, CA7, Expeditor, SAR etc. for Credit Card

Services and Retail Services under Financial Services on creating designs, analysis, planning, forecasting, estimating,

coding and testing for the enhancements. Currently he is playing a role of Senior Business Analyst for Credit UI – Front

End Product for Fiserv Card Services.

In addition to his technical skills, he has also been a Leading and Managing Application Development Efforts that have

successfully implemented numerous Business Application based projects in the Cards Domain.

He has handled responsibilities ranging from assisting development efforts to Managing and Controlling Development

efforts for over 15+ associates during this process. He has also handled SIX client facing roles during this period where he

aptly coordinated with the Business function and Technology groups to ensure seamless delivery of Application products

through the Offshore Delivery Model.

He holds a Master’s degree in Computer Applications.

Skills Profile

Technical

MVS, Windows

Operating System

OS/390 Mainframe (Client/Server)

Environment

VSAM, DB2

Database

None

Internet Tools

COBOL, JCL, CICS, EASYTRIEVE, ASSEMBLER, SAS, REXX

Languages

CHANGE MAN, EXPEDITOR, FILEAID, ABEND-AID,CA7, SDSF, SAR, MQ,

Other

File Manager, TWS

Functional

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• Forecasting and planning of activities.

• Aware of the processes needed to be followed in a CMM level5 company.

• Have taken part in project management activities like approving billing and

timesheets, preparing weekly status report, resource planning sheet and updating

the Metrics sheet, SLA dashboard etc.

• Prepare Project Closure Reports, QMR for the projects that are completed and

delivered.

• Issue and risk management – Timely escalation and action, Issue forecasting.

• Managed project schedules, milestones, and key deliverables

• Outstanding team player with an exceptional operational and technical knowledge

base, record of proven success in leading Project teams to long lasting and cost-

effective IT solutions.

• Proficient in collaborating between Business Partners, Customers, End-Users and

Technical Team members to develop and implement high quality IT projects.

• Escalate relevant issues and risks in accordance to the account specific Process.

• Track and escalate action items, tasks and issues

• Ability to design, develop, and effective implementation of plans as well as an

ability to suggest the changes in the project work

Management and

• Strong analytical and problem solving skills. Analytical approach and ability to

Leadership Skills

research as well as ability to comprehend the requirements of the project work

• Ability to maintain an excellent relationship with customers and team members for

better results

• Open to learn new things and a fast learner with high stress tolerance levels.

• Team Player with demonstrated ability to work in harmony with associates,

management, and customers

• Coordinated the successful simultaneous development of several projects.

• Work well independently as well as with teams

• Quality management by 100% effective reviews and process compliance

• Ensuring quality deliverables.

• Inculcate process values to the peers

• Successfully coordinated with 15 members offshore team from onsite

• Lead 18 members team from offshore as a Project Lead

• Take responsibility over the task assigned and keep updated about all the tasks

currently active in our subsystem that is developed.

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Murari Kumar Jha

• Completed the Mainframe training program which explains about the overview of

mainframes and trains upon the programming languages used in mainframes.

• Sufficient knowledge about technical matters as well as domain expertise in order

to get the new joiners to the team trained to align them to work comfortably in the

team.

• Conducted induction and training for new joiners into project, mentored fresher

who have newly joined the project.

• Have taken training sessions at organizational level (with L & C team). Conducted

various Technical and Functional trainings.

• Attended the following training programs

Base I (Vision Plus)

Training &

Base II (CMS)

Development

Base II (TRAMS)

Base II (FAS)

• Completed Banking Stage 1 training

• Completed Payment Stage 1 training

• Completed 32 PDU’s required to appear for the final PMP exam conducted by

Project Management Institute

• Attended Leadership Development Program “Evolve” conducted by L&C team

• Completed SIX Sigma Yellow Belt certification in month of April 2012

Professional Experience (In Reverse Chronological Sequence)

Fiserv Global Services August 2014 – Till Date

Fiserv Global Services,

Senior Business Analyst Capgemini, Lake Mary, USA

Project Description:

Credit UI (Fiserv Credit UI – Front End Product): Credit UI is front End product for Banking and Cards business. This

Product will help to create user friendly front end for the entire user to serve for Card and banking customer. The

application will serve as the front end of the VisionPLUS credit platform. The data to create the workflows will be

independent of the VisionPLUS Mainframe screens and this will be achieved by using Web Services calls.

The goal of this project is to create an application that is intuitive, appealing, and efficient for the user. It also aims at

increasing client satisfaction and productivity. The new UI system will be introduced as an upgraded release. It will

eventually replace the current Credit Management 2.0 (CM2.0) user interface. This project is intended to increase the

prospects of Fiserv’s offering to its clients. The project will help overcome the limitations of current UI application, which

is primarily based on screen scraping.

Following are the responsibilities of mine –

• Analysis of requirement document and architecture vision document provided by CS(Card Sevices team) and

create the User Stories

• Have a meeting with product team to design the user interface screens

• Maintenance and management of a daily query log for use case clarifications

• Iteration-wise maintenance of a use case tracking catalogue with functional and non-functional requirements for

all iterations

• Prototyping for technology components/user experience

• Design Use Cases and Functional Specification.

• Analyze Back-end (Vision Plus) Functionality and propose the business solution.

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• Analyze the Web services requirements for Vision Plus

Capital One Cards Services – Rapid Application Development (RAD)/TEM February 2014 – July 2014

(Test Environment Management)

CAPITAL ONE, Capgemini,

Technical Specialist/Scrum Master (Agile Process) Pune, India

Project Description:

Card Scheme 3 Project:

“Card Scheme” denotes the card numbering scheme that determines the card numbers assigned to Embosser records

associated with an account. For Card Scheme 3, account numbers and Card Numbers are unique. Currently in CRS other

than Costco all other portfolios are with Card Scheme 0 (Non-relationship account in which account number and card

numbers are same).

This project covers the functional and technical design changes required in the system to make sure that the code is card

scheme 3 compliant; and the basic CMS functionalities specific to Card scheme 3 are available. This will make the system

ready (with some development effort) for new portfolios with Card Scheme 3 to be implemented in CRS platform, in

future.

Long Term Cell Phone Dialing Strategy Project:

The legacy COF card area has initiated a project to identify cardholder phone numbers that are cell/mobile phones. The

goal is to identify whether or not the number belongs to the cardholder in order to use it for collections activity.

With this project RAD is impacted for Third Party validation Process. In this process RAD will Extract Data for accounts

which are coming from CTA and then after applying qualification criteria these account will be sent to third party for

Validation i.e. Neustar.

Direct Merchant Conversion:

Capital One shall convert eligible Metris customer data to Capital One's collection tools as part of the overall HSBC -

Metris conversion project.

Specifically, Capital One shall convert customers' data to the debt management tool (3PDM), Peregrin, through a one-time

only conversion window scheduled for April 2014. The customer's rates through FDR shall be maintained at Capital One

and customers should see little to no impact on their current workout plans.

Once converted, former CRS customers shall be flagged in Capital One systems and their account history shall be

available for agents to view. The terms and conditions for the collections accounts shall also be treated the same as

Capital One legacy customers' accounts. CRS RAD will send the Workout program data file include historical and active

workout data for customers to DDE on the day of conversion. DDE process will do the file and field validation and will

publish the clean file. The Workout program clean file will be used to create the tickler file which will be sent to Peregrin.

Workout program file along with CDW tables (to extract account related information) will be used to create conversion

refresh file and send to Peregrin. After sending the one-time conversion refresh and tickler file, Peregrin will send four

conversion decision files as per BAU layout and name. These files will be used to fulfill the required actions as it happens

today in the BAU code.

Responsibilities

• Capital One will implement project using AGILE methodogy going forward. Hence I have been identified as an

Scrum Master for TEM (Test Environment management).

• Participitation in S2(Scrum of Scrum) meeting to raise any impediments which might impact deliverables.

• Engage in discussion with team in daily stand up meeting to get the status update from each associate

• Schedule meetings with business stake holders, IT development teams, solution architects etc. for requirements

elicitation.

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Murari Kumar Jha

• Drive the meetings, keeping everyone at par, answering the queries of all the different parties present in the

meetings.

• Engage in discussion with business stakeholders regarding what they want to be developed for the migration to

be successful

• Understand the needs of the business and capture the requirements that is deemed as essential and important for

the migration

• Document the requirements in the standard template used by the client

• Engage in discussion with technical architect and IT developers to identify the solution to meet the requirements

• Was actively involved in Requirement Breakdown through the Requirement Traceability table that ensured

coverage of impact was optimum.

• Was involved in Estimation reviews for projects and ensured that the estimation covers the complete impact and

size of the project.

• Was actively involved in reviews of Test Scenarios of complex functions. This took care of adequate span of the

scenarios during the test phases.

• Actively participated in all code walkthroughs throughout the year ensuring appropriate translation of Impact /

Requirement to design.

• Answer any questions from the development and testing team on the requirements

• During the course of the project if business identifies any new requirements or need to change any requirements

already approved by stake holders then that will have to done through Project Change Request process

• Upload all the project documentation to central repository used by the client

• Am responsible for delivery of various application development phases to the client and translating business

requirement to a technical need for the offshore application development delivery.

• Am responsible for discussion of various technical initiatives that were triggered at Offshore / onsite and come

up with a plan / decision for its implementation

• Am actively involved in various Performance tuning opportunity discussions with the Client and Infrastructure

group in order to implement Cost Saving Initiatives.

• Am activitly involved in the discussions and testing with vendors like OSD&A, AIS, Sound Bite and with

Associations like Master Card.

• Prepare and send weekly & monthly status report to client as well as Capgemini higher management

• As a Technical specialist responsible to ensure a better health for the Technical and Functional designs of the

Application projects.

• Daily Defect tracking and reporting during System Integration and User Acceptance testing phase.

• During the period took steps which ensured a high Quality Load of 99.5% in SIT, 99.8% in UAT and 99.8% in

Production. This exceeded the business account goals for the entire year.

• Handled the scheduling and monitoring of the project as well in terms of Effort and Schedule Variance. All the

variance for the project was within permissable limits.

• Ensured that all Root Cause Analysis of Defects are implemented and tracked them to closure.

• Provided regular tracking on all delivery front to the Offshore Manager.

• Played a significant part of the Cost Saving Initiative process

• Took active participation during implementation planning and actual implementation phase.

• Tracking of all Client SLAs and taking steps to ensure all critical or non critical SLA are met

Environment: Operating Systems: MVS, Hardware: Mainframe Related, Software / Special Tools: CICS, DB2, JCL,

CA-7, TWS, WHIRL, Easytrieve, IBM Utilities, Expeditor, Changeman, Endevour, Fileaid & Abend-Aid

Languages: COBOL

Capital One Cards Services – Rapid Application Development (RAD) October 2012 – January 2014

CAPITAL ONE, Capgemini,

Onsite Coordinator/Lead Mettawa, IL, USA

Project Description:

As part of acquiring HSBC’s North America cards business, Capital One Finance signed many Transition Service

Agreements (TSA) with HSBC to provide continued connections such as services, operations and technology

infrastructure to support the acquired card business until it is integrated with legacy Capital One cards system. These

TSAs also cover the services Capital One Finance would be providing to HSBC to support parts of their cards business

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which was not acquired by Capital One. These are temporary agreements until both HSBC and Capital One can achieve

full separation in all aspects such as services, operations and technology infrastructure. These separations are planned in

phased manner in regular releases. All the TSAs are to be completed by Q2 2014.

RMS Migration to RECAP Project:

Recovery Management System (RMS) is a system provided by the vendor Fair Isaac to house and process delinquent

accounts that become delinquent over an extended period of time due to non-payment of credit card bills and later on

making them charge off. This system also manages the link between agencies, attorneys, internal work flow, bankruptcy

tracking, deceased tracking, internal recoveries and reporting to recover the pending payments from the customers after

the internal collection team tries to collect the debt and fails to do so.

RMS is under a TSA and needs to be exited before the expiry in Q2 2014. As part of the TSA exit strategy Capital One

decided to migrate the recovery processing from RMS to RECAP system which is the recovery system used by Capital

One for its legacy credit card recovery processing. The scope of the project is to

• Execute COF exit of all collection & recovery activity through the RMS platform used by HSBC

• Manage migration off and decommission of the RMS platform for both IT and related operational elements

related to collection and recovery activities

The TSA Exit for RMS includes (but not limited to)

• Capability gap investment from RMS to RECAP systems and processes.

• Consumption of credit card portfolios converted away from HSBC systems or remaining but supported through

RMS

• Archival / retention of required data

TFS Exit WHIRL Project:

TFS (Taxpayer Financial Services) is a card portfolio which Capital One Finance did not buy from HSBC as part of card

acquisition. Capital One is servicing these accounts on behalf of HSBC in WHIRL system, which Capital One acquired,

under a reverse TSA with HSBC. As part of the TSA exit, there is a need for HSBC to remove the TFS portfolio from the

WHIRL system onto a system owner/supported by HSBC for continued operational and financial support.

The scope of the project is to Transfer all TFS accounts onto an HSBC supported system, including the conversion of the

data, management of the data and supporting feeds and interfaces, as well as establishing operational and finance

reporting, training and administration.

Consent Order Project:

Capital One is making updates to policy/procedures that support some of the Cross Sell/Enhancement Services products.

These changes are designed to keep us current and compliant with recent regulatory changes.

The aim of the project is to update Cross Sell/Enhancement Services policy and procedures to ensure adherence to

regulations and business strategy. The project includes Enhancement Services owned products including Credit

Monitoring and Debt Protection.

Responsibilities

• Schedule meetings with business stake holders, IT development teams, solution architects etc. for requirements

elicitation.

• Drive the meetings, keeping everyone at par, answering the queries of all the different parties present in the

meetings.

• Engage in discussion with business stakeholders regarding what they want to be developed for the migration to

be successful

• Understand the needs of the business and capture the requirements that is deemed as essential and important for

the migration

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Murari Kumar Jha

• Document the requirements in the standard template used by the client

• Walk through the documents with Business stakeholders

• Obtain approval from different business stake holders

• Engage in discussion with technical architect and IT developers to identify the solution to meet the requirements

• Answer any questions from the development and testing team on the requirements

• During the course of the project if business identifies any new requirements or need to change any requirements

already approved by stake holders then that will have to done through Project Change Request process

• Upload all the project documentation to central repository used by the client

• Am actively involved in the User Acceptance Testing of all HSBC-COF transition projects and am a single point

of contact for both Business and Technology interfaces.

• Am involved in all Client and business discussions and during implementation walkthroughs.

• Had rigorous discussions with business for any requirement / scenario clarification. Represented the Technology

wing in various discussions with business.

• Am responsible for delivery of various application development phases to the client and translating business

requirement to a technical need for the offshore application development delivery.

• Am responsible for Offshore Coordination including query resolution, business references,

• Am responsible for discussion of various technical initiatives that were triggered at Offshore / onsite and come

up with a plan / decision for its implementation

• Am actively involved in various Performance tuning opportunity discussions with the Client and Infrastructure

group in order to implement Cost Saving Initiatives.

• Am activitly involved in the discussions and testing with vendors like OSD&A, AIS, Sound Bite and with

Associations like Master Card.

• Prepare and send weekly & monthly status report to client as well as Capgemini higher management

Environment: Operating Systems: MVS, Hardware: Mainframe Related, Software / Special Tools: CICS, DB2, JCL,

CA-7, TWS, WHIRL, Easytrieve, IBM Utilities, Expeditor, Changeman, Endevour, Fileaid & Abend-Aid

Languages: COBOL

HSBC Cards Services – Credit Management System (CMS), Rapid Application

Development (RAD) and System For New Account Processing (SNAP) September 2011 – October 2012

CAPITAL ONE, Capgemini,

Project Lead

Pune, India

Project Description:

Verona Project:

As part of a strategic deal, Capital One Financial Services has acquired HSBC North Amercia Credit Cards business

and in order to have a smooth transition between HSBC and Capital One Financial Services, several infrastructure

requirements are being worked upon under HSBC-COF transition project.

There are certain systems and credit card portfolios which Capital One Finance did not buy from HSBC as part of the

acquisition. Verona Legal Day 1 involved projects to achieve the separation of the systems and data prior to the sale of

HSBC NA credit card portfolio to Capital One Finance.

ES Systematic Enhancement:

The goal of this project is to develop a systemic resolution for refunding the appropriate product fees, finance

charges, applicable over limit fee (InHouse Products) and interest accumulated associated with adjustments and

refunds of Debt Protection and In-House Products for Bankcard, PLCC, and Metris/FDR accounts.

Best Buy One Card Project:

Best Buy Once Card project is to enhance the originations process at POS by integrating the Private Label and

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MasterCard applications into the electronic application process. Following are the objectives of this project –

Customers will not pre-select a credit product, instead once the credit application is submitted; HSBC

will determine the best product (RZCC or RZMC) to offer to the customer.

Greater simplicity and efficiency

Better customer experience

Responsibilities as Project Lead

As a Project Lead for 15 professionals, addressing the Scheduling and Management aspects for the

projects being conducted through the year.

Also, doubled up as a Technical Lead to ensure a better health for the Technical and Functional designs

of the Application projects.

Played an integral role for the design of all the project and was the responsible approver of the final

design of the project.

Was actively involved in Requirement Breakdown through the Requirement Traceability table that

ensured coverage of impact was optimum.

Was involved in Estimation reviews for projects and ensured that the estimation covers the complete

impact and size of the project.

Was actively involved in reviews of Test Scenarios of complex functions. This took care of adequate

span of the scenarios during the test phases.

Actively participated in all code walkthroughs throughout the year ensuring appropriate translation of

Impact / Requirement to design.

Daily Defect tracking and reporting during System Integration and User Acceptance testing phase.

During the period took steps which ensured a high Quality Load of 99.5% in SIT, 99.8% in UAT and

99.8% in Production. This exceeded the business account goals for the entire year.

Handled the scheduling and monitoring of the project as well in terms of Effort and Schedule Variance.

All the variance for the project was within permissable limits.

Ensured that all Root Cause Analysis of Defects are implemented and tracked them to closure.

Provided regular tracking on all delivery front to the Offshore Manager.

Played a significant part of the Cost Saving Initiative process

Took active participation during implementation planning and actual implementation phase.

Tracking of all Client SLAs and taking steps to ensure all critical or non critical SLA are met

Environment: Operating Systems: MVS, Hardware: Mainframe Related, Software / Special Tools: CICS, DB2, JCL, CA-

7, TWS, WHIRL, Easytrieve, IBM Utilities, Expeditor, Changeman, Endevour, Fileaid & Abend-Aid, Languages: COBOL

HSBC Cards Services – System For New Account Processing

Feburary 2011 – August 2011

(SNAP)& credit Decision Management (CDM)

HSBC, Capgemini, Mettawa, IL, USA

Onsite Coordinator

Project Description:

ONE HSBC Cards Project:

The biggest project (200MM) for the team with an average of 12 associates translating the Business Requirements to

the Technical Solution. One HSBC is focused on having a single framework across HSBC applications with common

code base (global) and minimal regional layer codes. This would be cost efficient for the application maintenance and

enhancements. Following are the objectives of this project –

Designed to rigorous business and technical standards

Scalable to all countries

Implemented in Group-wide releases

Multi X 4 (Channel, Currency, Language and Product)

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Murari Kumar Jha

A strategic component of Group Systems with a vision that all Group Systems will become One HSBC

when ready

UDAP(Unfair or Deceptive Acts or Practices) APR & Penalty Pricing:

The goal of this project was to become compliant by modifying our processes and/or practices in a manner that

corresponds with HSBC Legal and Compliance’s interpretation of the new rules and modifications of the existing rules, as

they apply to Annual Percentage Rate(APR) and Penalty Pricing increases. HSBC must comply with the amendments to

Regulation AA (Unfair or Deceptive Acts or practices (UDAP)) and Regulation Z (Truth in Lending) as established by the

Federal Reserve Board On December 18, 2008.

The project was very critical project as the set of rules implemented by US government needs to be implemented without

any miss in any functionality, as this miss can directly result into a non compliance activity against the business.

Responsibilities

• Was actively involved in the User Acceptance Testing of this project and was a single point of contact for both

Business and Technology interfaces.

• Resolved many design issues in stringent timelines for UDAP/One HSBC that too in a very critical window (user

acceptance testing and UDAP retrofit to One HSBC phase)

• Was activily involved during implementation and provided round the clock support during Post Implementation.

• Was involved in all Client and business discussions and during implementation walkthroughs.

• Had rigorous discussions with business for any requirement / scenario clarification. Represented the Technology

wing in various discussions with business.

• Was responsible for delivery of various application development phases to the client and translating business

requirement to a technical need for the offshore application development delivery.

• Was responsible for Offshore Coordination including query resolution, business references,

• Was responsible for discussion of various technical initiatives that were triggered at Offshore / onsite and come

up with a plan / decision for its implementation

• Was actively involved in 8 Performance Tests with the Infrastructure groups for the applications developed by

offshore to ensure its health in Production.

• Was actively involved in various Performance tuning opportunity discussions with the Client and Infrastructure

group in order to implement Cost Saving Initiatives.

• Was activitly involved in the discussions and testing with vendors like MARS,R2DS etc.

• Was responsible for weekly delivery updates to the Client Manager for high visibility Flagship project – ONE

HSBC.

Environment: Operating Systems: MVS, Hardware: Mainframe Related, Software / Special Tools: CICS, DB2, JCL,

CA-7, TWS, WHIRL, Easytrieve, IBM Utilities, Expeditor, Changeman, Endevour, Fileaid & Abend-Aid

Languages: COBOL

HSBC Cards Services – System For New Account Processing (SNAP) and

Credit Decision Management (CDM) December 2009 – Feburary 2011

Project Lead HSBC, Capgemini, Pune, India

Project Description:

ONE HSBC Card Project:

The biggest project (200MM) for the team with an average of 12 associates translating the Business Requirements to

the Technical Solution.

One HSBC is focused on having a single framework across HSBC applications with common code base (global) and

minimal regional layer codes. This would be cost efficient for the application maintenance and enhancements.

K-Mart Loyalty Pre-Approval project:

This project is to provide an ability to HSBC bank to take a fresh look to review Citibank's turndowns and extend pre-

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approved offers to qualified customers. Currently HSBC has a pre-screen of one second look application process with

Kmart. Kmart is working closely with Citibank to set up a pre-approval of one process to extend credit offers to

customers enrolling in the Kmart loyalty program. The objective of this is given as follows –

Increase the ability to offer credit at Kmart locations through the Kmart Loyalty program.

When a customer enrolls in the Kmart loyalty system, Kmart will send the customer’s information to

Citibank for a first look pre-approval.

If the Kmart loyalty customer does not meet the Citibank criteria, HSBC has the opportunity to offer

credit during the loyalty program enrolment process.

RAPUP Database integration:

CDM (Credit Decision Management) is the originations system for bank cards (BC) and SNAP (System New

accounts processing) is the origination system for private label credit cards (PLCC). Before the project was

implemented SNAP and CDM were using two different RAPUP D/B based on the application (PLCC or Bankcard)

that is processed and the MAGNUM Components were separately integrated in the SNAP and CDM regions.

The objective of this project is to make single data elements in Legacy Card Services

Contact this candidate