Sep 2012 – Jul 2013 · 10 mos · Mumbai Metropolitan Region

• 1) Research and Analysis on the new trends and technology within the payments domain and write white papers on the same.
• 2) Innovating solutions in the Cards and Payments arena. Create strategy and presentations for the solution and pitch to different clients for the same.
• 3) Relationship management
• 4) Ensuring high quality deliverables to the clients for the projects won.
• 5) Providing RFP responses for the new projects to be acquired.
• Project Specific Experience:
• 1) Payment Gateway One-click-solution
• As per the Indian regulations, 2 factor authentication (2FA) for internet and IVR transaction is a mandate. This ensures high level of security but also leads to increased transaction processing time and customer inconvenience.
• We helped create a one-click solution for internet transactions ensuring the adherence to the guidelines but still reducing the overall transaction processing time and increased customer convenience. The solution was successfully sold to one of the major Indian retail clients and is pipeline with couple of others.
• 2) Leading Football Federation's E-Money strategy: Working as a consultant to build a multiple application EMV card for the federation. The task included creation of a an open loop EMV payment application integrated with the loyalty and e-ticketing systems. The delivery included writing the technical and functional specifications for the vedors to execute on the strategy. Participated in the pre-bid meeting bringing in the clarity to the bidders on the scope of work.
• 3) Domestic Scheme strategy: Working as a consultant to a domestic payment scheme in India. We helped in providing consultancy services to strategize different product launches, pricing strategy, operational strategy and technology strategy.
• Currently, working on the strategy for EMV contact, EMV contactless and NFC product launches for the scheme. Also, helped developing various operational documentations for the scheme.

Nov 2008 – Sep 2012 · 3 yrs 10 mos

• Project execution responsibilities included:
• 1) Estimating the work within workbook
• 2) Producing clear choice containing the solution design and business benefits
• 3) Getting the budgetary approvals
• 4) Participation in the Stakeholder Working Group meetings to assess if the business requirements are fruitful enough to be globally deployed.
• 5) Interaction with the development & testing team
• Production support responsibilities included:
• 1) Analysis of critical defects and advice on the strategy to fix and test the same.
• 2) Interaction with VISA/MC/Local Networks over issues pertaining to schemes and represent HSBC for the issues.
• 3) Advising business on the timeline to fix the issues and prioritize any critical production ticket to other existing issues.
• Project Specific Experience:
• 1) Created the business and IT cards strategy for the merger of HSBC Oman and HSBC UAE with Oman International bank and other leading international bank respectively. Completed the strategy for data conversion and IT integration for cards acquiring and issuing.
• 2) Local Network Launch – GCC POS transactions for HSBC Middle East debit cards were implemented. Also, many other local networks’ POS, ATM and Payment Gateway transaction support was deployed in the 10 Middle East countries like UAE Switch, Qatar Naps, Bahrain Benefit, etc.
• 3) Tawaraqq Cards – Created the IT strategy for an Islamic banking product to be launched, in which there would be no interest charged to the credit card customers.
• 4) Chip & Pin Launch for HSBC Middle East – Successfully completed full chip launch for Visa, Master Card and local network products.
• 5) Pin on IVR launch – This project is to support pin change and update functionality through IVR thereby eliminating the need of paper based pin mailers.
• 6) Debit card conversion for Oman – Successfully completed the conversion. This was a conversion project to migrate ATM cards from legacy system to Vision Plus platform.

Mar 2008 – Nov 2008 · 8 mos

• Worked from March 2008 to November 2008 in HSBC Technology Centre in Sheffield, UK for HSBC Middle East development projects.
• 1) Worked as an analyst and developer in implementing new products in various HSBC Middle East countries, amending changes to frequent shopper programs in UAE within HSBC Middle East cluster. Also worked as an Onsite coordinator managing resources and pipeline for the project.
• 2) Worked as an analyst and developer in implementing new debit card platform for HSBC Middle East which has 9 business units within the cluster. As part of analysis team, was extensively involved in migration of debit cards from legacy system to Vision Plus platform, making changes to account receivable and authorization system, implementing new loyalty management and chip card personalization systems, etc. Was also involved in getting plastic certifications done from Visa for the debit card products.
• 3) During this entire phase, I was involved in analyzing the requirements coming from business and implementing functional & technical solutions.
• 4) Interacted with business to clarify and understand the requirements

Jul 2006 – Mar 2008 · 1 yr 8 mos

• Worked as a developer for VisionPlus platform.
• Deputed at Kanbay (now CapGemini) as a developer on various Visa and MasterCard Compliance programs.
• Was part of the development team responsible for developing Amanah product for HSBC Middle East
• Was also part of the development team responsible for launching partial grade EMV cards for HSBC Middle East