Bazmin شيخ

• Administrating payments business, global payments network, finalizing gap analysis document, digital initiatives and customer experience management as a senior product manager
• Ensuring the configuration of products and schemes in sync with regulations defined in bank policy
• Assessing the compliance of internal business processes with organizational policies, procedures, and RBI regulations and submitting the monthly/quarterly RBI regulatory compliances as a single point of contact
• Handling debit card transaction security enhancement project by developing a blueprint from granting customer permissions, implementing changes to user settings, managing escalations in bank branches, and customer service to embargos on main cards in-sync with RBI rules
• Managing monthly/quarterly debit card submissions and country/risk-based KYC/AML reporting
• Minimizing the cost/fraud rate of debit cards by organizing periodic reviews
• Coordinating with customer service, social media, and branch banking teams and analyzing the challenges, recommending hassle-free process flow for customers
• Associating with IT/BIU teams and strategizing data extraction process from the backup database for business analytics and MIS
• Supervising the fulfilment of ad-hoc requirements of compliance, RBI regulations, monthly RBI reporting of CIF/expenses for debit cards as a single point of contact
• Evaluating the functionality and providing UAT signoff for various digital projects
• Conducting data analysis, market research and developing products, and business strategies
• Collaborating with management and conducting a competitive analysis of key products, allied services
• Cooperating with the portfolio team and facilitating tailored communication with the clients
• Liaising with technical, and audit teams and managing regulatory oversight activities across the card business
• Extending technical expertise and recommendations to comply with specific business needs
• Establishing exceptional relationships with channel partners, concluding bills of lounge usage and ensuring a hassle-free process for customers/partners
• Leading revenue audits and developing a system to enhance cost savings from debit card fee recovery
• Implementing IT projects in DCMS, and EDW system and recovering more than sixty crore rupees of debit card fee
• Ideating and initiating token applications including in-app payments, token scan/pay for Google
• Recommending and implementing mobile banking and Internet banking facilities
• Spearheading the comprehensive management of master card embargo, customer communications, accessibility of toolkits at branches and blocking of master debit card activation after a specific date
• Analyzing forecast tracking/monitoring versus actual spending of debit card insurance, airport longue usage, co-branded cards, cashback redemption and utilization