Abhijit Naik

Experienced Product Manager with a strong background in banking and financial services, specializing in product development, requirement gathering, business documentation (BRD), reconciliation processes, and digital transformation. Passionate about developing customer-centric solutions and streamlining processes through effective SDLC management and collaboration with stakeholders.

• Progressed from Phone banking officer to higher ranks such as Customer Service Manager in ICICI Bank
• Received an appreciation as “Rising Star “for contribution towards setting new Standards in Customer Service from Ms. Chanda Kochar ( Executive Directive ICICI Bank Ltd)
• Played lead role in the Implementation of Axis Bank In-house Payment Gateway
• Played core team lead in the development & implementation of Axis Bank Centralization project of 4000+ATMs from decentralized set up & putting on the Automation mode in 2010
• Played core team lead role in implementation of new concept called IAD which included the outsourcing of ATM reconciliation to different vendors thereby increasing the count of AXIS Bank ATMs to 8000+ in 2011
• Effectively completed the migration of Master Card Secure ID token, Master Card File Express (MFE) client from 5. 6 to 6.0 which is used in daily settlement of Master Card Channel for both Acquiring as well as Issuing Business in 2012 & further upgrade from 6.0 to 7.0 in 2018
• Prepared Process Documents including SOPs for reconciliation, accounting & customer disputes for all products in 2013 & worked as EGRC coordinator to implement SOX documentation for chargeback unit in 2014
• Successful migration from Master Com to Master Com pro which is used in staging the documents for the disputes handling regarding transaction happened through MDS for Both Acquiring & issuing business in 2014-15
• Enhancement of the Customer Dispute Resolution system in 2014
• Successful production movement of Euronet Mini Statement, Pin Change Fees for Acquiring & Issuing Transaction, VISA Access Fess, Master Card Access fees, IMPS, IMT, ATM Recon, CCRS, ATM Billing from 2011-2015
• Completed SAP-BO implementation in daily dashboards which is used for various internal & network reporting so as to bring one reference point for all the stake holders in Jan-2018.

Expertise in Customer Service, MIS, Team Management & Product Design

System awareness comprises of Banking solutions such as UBS, Finware along with reconciliation systems such as MBCRS,

DCRS, card blocking application as I-View,Base-24.

Hands on experience in NICS, MasterCom, VROL, Visa online, VISA Edit package, MFE, Euronet & NPCI DMS.