Bindu K•••

About

On the record

Aspiring for career enriching assignments as Product Portfolio or Financial Operations Head in the Cards Business Division of banking sector or Cards Processing Companies Profile Summary: • Banking / Cards Industry professional with an overall 18 years multi-functional experience in Retail banking in areas of Cards Performance Analytics Financial / Business Operations Products system set up & UAT Card Accounting & Reconciliation MIS Pricing Financial Modeling and Process Improvement. • Highly goal & detail oriented motivated and able to learn and adapt quickly within complex functions and environments. • Enjoy working in a team and possess a pro-active approach to problem solving with a proven track record in initiating and implementing many challenging process changes / Pricing metrics which resulted in financial savings for Cards Business. • Quick learner and strategic thinker with effective communication mentoring leadership organizational and analytical skills. Core Competencies: - • Cards Portfolio Management: In-depth knowledge of the portfolio set up Segment behavior pattern Seasonality trends etc • Cards Product Development: Ability to develop business cases on new Product / Feature and involve in all the stages of the product set up including design Pricing testing training and P&L monitoring. • Cards Process Improvement: Detailed knowledge of Cards Ops and system set up with proven track record of process improvements and related financial savings • Cards P&L Management: Expertise in Issuing and Acquiring pricing metrics Payment Scheme Charges Accounting and Profitability models. • Assets / Liability Management: Expertise in balance reconciliation and related accounting of Cardholder receivables Partner / Processor Payables suspense accounts reconciliation etc