May 2010 – Jul 2013 · 3 yrs 2 mos · Mumbai Area, India

• The objective of NPCI is consolidation and integration of the multiple payment systems with varying service levels into nation-wide uniform and standard business process for all retail payment systems as as to facilitate an affordable payment mechanism to benefit the people across the country and help financial inclusion. As COO, my responsibility was to exectue this vision..by building a team first and then working with various stake holders in a colloborative way.
• Highlights:
• NFS ATM Network - member ship expansion and capacity expansion - can now process over 30 million transactions a day, have over 200 direct and indirect memebrs, reduced the number of disputes, initated the steps for settlement guarantee, added new transactions ...
• IMPS - transitioned Interbank Mobile Payment System to the one and only immediate/instant payment system in India. Made it channel agnostic and also created IFSC code and account number based transfer capabilty. Promoted usage as well.
• Implemented an innovative National Unified USSD Platform ( NUUP) for India - which allows all customers of any participating bank and having a connection with any telco to carry out common banking transactions in a standardised menu driven way.
• Cheque Truncation System (CTS) in Southern Grid at Chennai and Western Grid at Mumbai. My efforts made it possible to have 3 CTS centres - reduced cost of CTS implementation
• Rolled out Express Cheque Clearing System - a standardiesd cheque clearing system in 1100+ locations - Added speeed clearing to allow local clearing of outstation cheques and it efficient.
• Implementedof a National ACH system fo debits and credits with a good mandate managemen system with innovative approaches.
• Implemented AADHAAR (UID) based payment infrastructure for India.
• Helped the launch RUPAY Cards Scheme - India's domestic cards scheme
• Have worked to improve financial inclusion aspects as well. Prime Ministers JDY scheme uses all these capabilities.

Mar 2009 – Apr 2010 · 1 yr 1 mo

• Heading the technology Division for the bank and responsible for all applications ( including FINACLE core banking system) of the bank, the infrastructure and the Data Centre.
• Managed all the applications for the bank - FINACLE and other sub systems used in the bank
• Managed the Data Centre - did some consolidation to reduce the overall cost of DC operations
• Relocated and improved the Disaster Recovery Systems for the Bank
• Implemented the MPLS based network to achieve reliability and resiliency of applications.
• Developed and implemented many innovative features - mobile alerts, improved the performance, created an internal we based query system with 360 degree view of customers - helped better customer relationship management
• Guided the team on banking concepts and related aspects.
• Managed the budget for the technolgy division of the bank

Jun 2008 – Mar 2009 · 9 mos

• Was responsible for managing the technology Application platform for Wealth management Division.
• Successfully completed the source code buy out of the core wealth managemnet platform used in India from the service provider to reduce risk for the organisaiton
• Ensured proper knowledge transfer and built a combinaiton of inhouse and oursourced expertise to manage this platform
• Carried out many functional and performance enhancements in the system
• Managed other associated applications for the wealth management division
• Implemented a new trading platform for Relationhip Managers to carry out trading on Equity market on behalf of customers.
• Manged the technology budget and intiated several cost save measures by optimising the usage, and alocaiton costs from Head office/Regional Office.

Jun 2007 – Jun 2008 · 1 yr

• Managing the Banking Platform Implementation for Barclays India
• Flexcube implementation for consumer and corporate bank
• Added a few operational efficiency related enhancements on retail platform - for eample, the abilty to open accounts through upload based on oursourced data entry and file generation; instant card capability etc..
• Also, worked on the Cash Management System implementation for India - for collections and disbursements.

Aug 2000 – Jun 2007 · 6 yrs 10 mos

• Was part of the Global consumber Bank technology team managing the liability, investments and Non-Resident Indian Systems. Did many projects for product launches, service excellence, cost reduction without diluting the quality and supported business well with functonally rich, efficient and scalable platforms.
• HIGHLIGHTS
• Implemented of first ever 30 seconds online-real time cross border funds transfer facility from any Citibank Account abroad and transfer funds to any Citibank Account India. Nourished that channel to USD 200 Million+ a year channel.
• Enhanced OASIS - the largest software project on the Core Banking – a consolidation of multiple databases and branch level applications and functional enhancement project – one of the largest ORALCE database migration in India – 2.4 TB of data – Over 300 man months projects delivered within time w/o cost or time overruns. This project provides phenomenal benefits to the entire bank and its customers and ensures that the bank has a scalable architecture and system for the future.
• Provided the strategic technology direction for the 3 businesses –Banking, Investment and NRI businesses. They contributed to over 50% of the Citibank India revenue and have a book size of over 10 Billion USD and over 3 million customers and accounts.
• Implementation of a Wealth Management Programs and many other initiatives on the Investment system – like Auto batching, Straight Through Processing of instructions, etc to provide operational efficiency and customer experience - Resulted in Citibank India winning CBNC-TV18 Financial award 2006 for Best performing bank on wealth management and advisory in India.
• Implementation of new age payment systems for the bank – Global transfers, EFT& RTGS, NEFT, CTS for Consumer Bank – In EFT-SEFT, Citibank India is the main user in India and Central Bank (RBI) appreciated our efforts. .
• Have managed the multiple releases in various systems in Banking, NR and Investments streams .

Oct 1995 – Feb 1999 · 3 yrs 4 mos

• Project Manager at GCB Technology and part of the Banking Systems Management team. Managed the core banking applications of the bank. Was instrumental in setting up the systems for Suvidha Business at Bangalore - A hugely successful initiative and a fully digital platform initiative that is back so many years ago before it became fashionable - apart from may other product launches and initiatives like Payable At Par Cheques, Differentially Priced Deposit products, Relation Ship Based Banking capabilities, Customer Profitability Model for RM, etc.. Also did the Y2K compliance of the applications managed.

Feb 1999 – Aug 2000 · 1 yr 6 mos

• As RIM for Middle East and Africa Region and Based out of Dubia, was responsible for implementing the consumer banking systems for the region. Helped ABN AMRO, UAE to launch consumer banking business by quickly getting a consumer loan system implemented. Initiated the same system implementation in Romania and Morocco. Also invovled in the Cash Management solution Implementation for ABN AMRO Bank, UAE

Jan 1992 – Jan 1995 · 3 yrs

• Managed the in house developed core banking system and treasury system for the bank. I developed the most popular banking product in UAE - 'The Mashreqmillinnaire' in a very short time.. Did a number of new modules, and performance improvements to avoid investments on hardware upgrade.. Also wrote an article on Unisys World on how to develop efficient systems using LINCII - the 4th Generation Language on Unisys A series Mainframes.. Learned a lot about banking from this institution - retail, commercial, channels ( ATM & POS then), treasury, trade finance etc.. A great place to learn and work..

Jan 1985 – Jan 1992 · 7 yrs

• Was part of the team that did pioneering work on computerising the Central Excise Revenue collection system - called COMERS - Computerised Excise Revenue System.. Did a lot of analysis of data on central excise revenue collection for one of the larger collectorate in India and provided a lot of reports to Dr Raja Chelliah Committee that was working of tax reforms in India.. Became an expert on Unisys A series mainframe system, LINCII the 4GL and other utilities... And that helped me to move Mashreq Bank, which was using same Unisys A series systems for the Bank...