Harshith Babu

Managing E-commerce gateway portfolio (Qpay, Mastercard Payment gateway & CyberSource)
− Solving complex merchant feedback actionable data to the relevant stakeholders for resolution or encasements
− Reviewing and maintaining payment gateway portfolio to avoid risk and human errors.
− Contributing towards process streamlining and quality enhancement initiatives across the section.
− Managing and analyzing risk rules from an acquiring perspective to mitigate risks
− Preparing policies and procedures for newly created processes to establish better controls
− Managing merchant settlement and reconciliation to ensure timely and accurate payments
− Conducting regular audits of merchant accounts and transactions to identify and address any irregularities or
potential fraud
− Collaborating with cross-functional teams, including risk management, compliance, and IT, to develop and
implement robust risk mitigation strategies

Leading a team of 8-12 members in cards, merchant and loans services to consistently meet and exceed
performance targets and KPI’s
− Establishing and revising all related regulations; policies, guidelines, manuals and SOP’s.
− Ensured all customer complaints are recorded and responded promptly well before the provided SLAs and
ensured no repeated complaints occur along with cardholder satisfaction, strengthening brand image and
maximizing profitability.
− Initiating and assisting in credit card/Loan product launches like preapproved loans, Small Finance loans, prepaid
corporate cards, supplementary cards and other process improvements in line with banks strategy
− Measured and reported the operational risk associated with in the process, including its identification,
assessment, mitigation and control, loss identification and reporting
− Assisting managers and channels (product managers, IT) to implement projects according to banks strategy.
− Maintained internal control standards in compliance with KRI & RCSA, including the timely implementation and
continuous review of all audit issues relating to the process
− Timely submission of monthly MIS / AOVR & any internal reporting requirements.
− Regular review and follow the project management policies and procedures. Ensure that all the business
requirements are handled in accordance to the policies and procedures in an efficient manner.
− Analyzing new projects and implementation support to banks business, meeting deadlines by coordinating with all
stake holder’s system integration testing and user testing support for new initiatives and Bug fixes.
AREAS OF EXPERTISE
Banking operations
Internal controls
Credit cards Retail loans
Mortgage loans
Merchant acquiring
Risk management and Compliance Public speaking
Team work
UAT testing Team management
Deposits
Project management Reports & dashboards
Microsoft Office/VBA
− Reviewing drafted, new product programs, policies, procedures, proposed memos, in order to highlight gaps in
controls & inefficiency in process flows.
− Ensuring staff are fully trained and competent in their roles and that they have the requisite management
supervision on a daily basis; Ensure all staff are following policies and procedures and complying with all
regulations and processes
− Expertise in increasing team productivity including reducing processing turnaround times.
− Maintaining track of CR and BRD and pushing them towards closure well before the expected time frame.
− System used - EQUATION/KAPITI/Banking Solutions (Core Banking), CRM, LOS, TSYS PRIME, TMS

supervising a team of 10 to 30 members to execute a event successfully