Consultant
Cognizant Technology Solutions
مجموع سنوات الخبرة :15 years, 4 أشهر
Cognizant Technology Solutions (headquartered in the USA) is a global, leading services company that offers a unique,
industry based consultative approach to help clients (in banking & financial services, healthcare, insurance, retail and many
other industries) build and run more innovative and efficient businesses. Services offered include reshaping business
models, reinventing and managing essential business processes with new ways of working and simplifying, modernizing and
securing the IT infrastructure and applications that are the backbone of clients’ businesses. Worldwide, the company
employs about 250, 000 people. In my current position, I have carried out the following assignments for clients of Cognizant
In my current assignment, I am working on process documentation for new security modules.
Main responsibilities:
•Analyze and document the processes that are involved in the use of T24 security software.
•Compare new processes and modules to the old versions to ensure complete coverage.
•Provide consultation on improving processes and upgrades to new technology.
•Finalize streamlining of processes and modules.
•Make processes, documents etc. ready for user implementation and train new staff.
•Provide solutions to realize cost saving.
Results:
•Delivered complete documentation on the new security modules.
The project Wholesale Credit Analytic Solutions (WCAS) focused on creating a consolidated data and analytics platform that
enables accurate measurement of credit portfolio risk & profitability and capital requirements for BASEL and CCAR models.
A strategic solution to collect and aggregate historical performance and default data needed to be implemented to enhance
granularity and accuracy of credit risk parameters. Specifically, this project focused on mortgage loans to both personal
clients and business clients.
Main responsibilities:
•Analyze the loan IQ data model to build understanding of this model.
•Create a variety of SQL queries for data extraction for different feeds.
•Test and validate data via the loan IQ user interface.
•Perform gap analysis between DAC and Interface Control Document (ICD) feeds.
•Prepare and compile the requirements document to process data extraction.
Results:
•Completed the analysis and delivered the queries to carry out the required data extraction to populate the specified report.
Axis Bank (56, 000 employees) offers internet banking services, personal banking services including accounts, cards, loans,
and investment options to personals, corporates and Non-Indian Residents (NRI). As business analyst, I was member of the
core management team for development, implementation and adherence of various processes and systems in retail banking.
Main responsibilities:
•Develop (from scratch) the loan process by interfacing with commercial lending teams for commercial loans, loans against property, loans for commercial equipment etc. to gather information and input.
•Analyze the consumer lending / personal loan process (for home loans, education loans etc.) including monitoring of loan accounts in the system.
•Contribute, as team member, to improving and streamlining the overall loan process.
•Create software to provide insight to employee productivity and other KPIs.
•As Manager Operations:
•Handle a variety of activities including clearing of cheques (MICR technology), outstation clearing, clearing funds mobilizations, ATM reconciliation, vendor management etc.
•Provide working capital finance through cash credits and overdrafts.
•Process overdrafts on fixed deposits (opening of overdraft in the system, set limits, interest calculation etc.)
•Provide Letters of Credit and Bank Guarantees.
•Handle inward and outward remittances.
•Input lockers (safe deposit boxes for clients) in the Finacle system.
•Handle statutory compliance and returns.
•Assume responsibility for inspections and internal and external audits.
Results:
•Developed and implemented an improved and streamlined loan process.
•Reduced the processing time of loan applications from 20 days to 1 week.
•Improved customer engagement and profitability as a result of improved employee productivity tracking.
HDFC Bank (84, 000 employees) offers a wide range of personal banking services including savings and current accounts,
credit cards, loans, mortgages and insurance to meet the needs of personal clients.
Main responsibilities:
•Set up and manage branch operations and technical support for this new branch.
•Implement and oversee strict adherence to all parameters and procedures related to the audit process.
•Ensure compliance with the KYC (Know Your Customer) procedure (checking KYC and keep track of revenue leakage).
•Coordinate between the Cluster and Zone to effectively implement the bank’s policies.
•Handle corporate and Non-Indian Resident (NRI) clients and remittances.
•Authorize teller and personal banker system entries.
•Enhance customer wallet size by using bank and third-party products.
Results:
•Implemented all operational processes and procedures for this branch.
ICICI Bank is India's largest private sector bank with a network of 4, 850 Branches and 14, 164 ATM's across India.
Main responsibilities:
•Set up, streamline and monitor all operations in this newly started branch or ICICI Bank.
•Manage training activities for all staff members.
•Implement and oversee strict compliance with all banking policies and procedures.
•Manage cash operations (payments, deposits, transfers, demand drafts, pay orders) at the cash counter.
•Cash management (remittances, receipts handling and custody).
•Analyze and monitor daily cash flow (in/out), implementing proper checks and monitor anti-money laundering.
•Replenish cash money in the ATM.
Results:
•Contributed to setting up and successfully running this branch.
Lage Landen, acting on a request from their dealers, launched a feasibility study on a so-called Lease Origination Platform to bridge the gap between De Lage Landen and the customers (dealer clients) related to information about car lease, machinery lease etc. This involved analysis of integration points and field level mappings with different interfaces for lease origination. The idea was to build a generic lease origination platform called PEGA.
Main responsibilities:
•Build insight and understanding about the lease origination process and integrations through different vendor and bank channels.
•Assess the overall requirements for the generic lease origination platform.
•Analyze the integration points and field mappings.
•Perform a GAP analysis and identify missing information
•Consult with (internal) clients to improve processes and provide solutions for cost saving
•Write a report to document the integrations and field mappings.
Results:
•Delivered a full report and a blue print to build a generic lease origination platform.
founded in 1985 and has since grown to become one of the largest financial institutions in India
today offering a range of modern banking services to both personal and business clients across India.
Main responsibilities:
•Manage the branch operations team (8 FTE) to provide support to all branch operations.
•Monitor strict compliance with the KYC (Know Your Customer) process for all new bank customers.
•Analyze and monitor all (potential) risks for branch operations for a variety of issues.
•Handle inward and outward remittances to ensure timely payments for time bound activities including fund transfers, National Electronic Fund Transfer (NEFT), Real Time Gross Settlements (RTGS) and FDR.
•Examine issuance of Letters of Credit and Bank Guarantees and provide import financing services.
Results:
•Improved and streamlined all operational processes.
•Improved team output and quality of services by teaching and coaching team members on the
In this assignment, ING identified 4 departments for which to examine the possibilities of robotizing operational processes carried out by these departments.
Main responsibilities:
•Analyze and document existing processes and workplace instructions.
•Provide consultancy on the processes and indicate possibilities for optimization.
•Lead the team (and an offshore team) in executing the analyses and provide training to new staff members.
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