Vijaya Bhaskar Kosuru
Vice President - Cards And Payments
Summary
Twenty Plus years of experience in consumer retail banking and payment processing solutions. Currently working as Vice President – Cards and payments processing projects for United Overseas Bank, Singapore. Demonstrated different roles as Project Manager, Payment Application analyst, Pre-sales consultant, Business Analyst, Global card network regulations product manager, Bank-Onsite Coordinator, and Production Support Analyst. Proficient in managing all phases of the software development life cycle, from requirement gathering through implementation and support, and the ability to perform as an independent as well as in a team, delivering under stringent timelines using Agile and standard project management methodologies.
Overview
22
22
years of professional experience
5
5
years of post-secondary education
Work History
Vice President – Cards Issuing and Acquiring
United Overseas Bank
07.2023 - Current
- Projects readiness for the new card’s enhancements and cards issuing and acquiring which caters end to end transaction life cycle
- Identifying and analyzing issues that merchants have pertaining to account onboarding, payment methods, merchant advice, settlement, processing discounts, fees etc
- Work closely with internal and external product teams to ensure smooth integration and implementation on the acquiring application
- Manage and work as a single point of contact between business users and product development team to handle the technical issues related to merchant payments, disputes, and settlement
- Lead cross functional teams to troubleshoot and resolve, communicate complex incidents and deep underlying issues for multi-regional card and merchant operations.
- Change Management / Problem Management / Capacity and performance management for Credit and Debit cards processing.
Manager-IT/Technical Lead
Fiserv (Formerly First Data Corporation)
06.2011 - 06.2023
- Accountable for delivery of Cards enhancement projects from estimates to delivery to ensure it is accurately and timely delivered as per DBS Bank Singapore and Hong Kong business requirements
- Accountable for end-to-end payments software development and support
- This includes pre-project initiation, requirement impact analysis, functional specifications to development, resource planning build, SIT, UAT and implementation
- Actively lead and collaborate in project meetings with business stakeholders to understand business requirements, development and provide consultation on solution and technology
- Identify and resolve issues and conflicts within the program, projects, and project management community and with other stakeholders
Product Manager
Fiserv (Formerly First Data Corporation)
06.2011 - 03.2020
- Accountable for Planning, Design, Execution, Review, and Delivery of Vision PLUS (Payment’s application) product updates according to the VISA/MC/AMEX/UnionPay/JCB Schemes Regulatory requirements
- Determine and Identify the Key impacts for MasterCard/Visa/Union Pay/AMEX/JCB Scheme Release changes and make sure all the changes are updated in Vision PLUS product (Payments Application) accordingly
- Engage in Functional and Technical teams to define, develop and deliver solutions to fit the business requirements for Transaction settlement, clearing process, Dispute handling, and Merchant Settlement and Authorization changes to the Vision PLUS Card product customers across the Globe
- Engage in Quality Assurance team to plan, test and execute the valid test scenarios hence delivering error free product to the clients
- Engage in delivering Vision PLUS product code for the Clients Globally both on Mainframe and Flex SDK Cloud environments
- Demonstration of the different process management tools like JIRA and Agile methodology
- Timely updates of twice a year of Card Scheme compliance upgrades to the Vision PLUS (Payment’s application) to be compliant with Network associations and regular product releases to the Bank production System
- Installation Procedure for the clients globally to migrate the product and Scheme Compliance updates
Senior Systems Analyst/ Project Manager
Tech Mahindra
06.2007 - 05.2011
- Delivery manager for both Budapest bank production support and RBTT banks Support and development projects
- Engaged and handled multiple projects simultaneously for GE Budapest Bank production support (24 X 7) and other Royal Bank of Trinidad and Tobago development projects
- As a project Manager, Single point of contact for Budapest bank production support, Escalation point for any Production batch problems and level three support for the online problems
- Demonstrated Functional and Technical solutions to the business requirements and providing solutions
- Review and delivery of all the work around fixes and application issue resolutions to Budapest Bank
- Co-ordination with the Bank IT team and operations for day-to-day production and application Issues
- Single point of Contact for all Card Schemes Regulatory Change upgrades and regular product releases to the Bank production System
- Delegation and Supervision for all the Application changes and migrations happens to production system
Senior Systems Analyst/ Project Manager
Tech Mahindra
06.2007 - 05.2011
- Performed as a single point of contact for Royal Bank of Trinidad and Tobago for cards acquiring changes to the existing system
- Design and Estimation for the requested changes to the system
- Functional and Technical Analysis on the business requirements and providing solutions
- Review and delivery of all the code to the client, Create and implement merchant setup and processing multiple merchant settlement files
- Ensure level 2 and 3 support (application & production batches)
- Prepare business requirements pertaining to various enhancements & fixes
- Support for SIT, UAT and production move
Consultant
KANBAY Software (I) Pvt. Ltd
01.2006 - 06.2007
- Worked for First data DBS bank projects providing solutions to Singapore, Thailand, and Hong Kong
- Technical lead for Cards related projects and enhancements
- Review the technical Functional Specifications Document (FSD)/ User Stories with technology counterparts to ensure that these specifications are designed in accordance with business requirements
- SME to analyse and determine the estimates and solutions for banking requirements
Software Engineer & Senior Software Engineer
Satyam Computer Services Ltd.
01.2003 - 12.2005
- Accountable for all the Live Production batch Cycles and online CICS environments, Lead architect, and worked closely with all the business stakeholders, Bankcard Operations, and product teams for the smooth transition of software installations for the Budapest Bank Credit Card application systems
- Actively lead and collaborate in project meetings and discussions with business, designers, tech and testers, keen attention to details, accuracy, and time management to ensure quality and timely project delivery
- Handled major implementations like ECCSS to GCMS (MasterCard) in the year 2005, Postilion online interface installation for the Budapest Bank and Yellow Brick Road project (Mainframe Data Center Movement) for GE Budapest bank where in moved the Bank’s data from UK mainframe to Australia liaising with CSC
Education
Master of Business Administration - Management
Sri Venkateswara University
01.1998 - 01.2000
Degree of Bachelor of Science - undefined
Sri Venkateswara University
01.1993 - 01.1996
Skills
- payment systems
- acquiring models
- payment gateway technologies
- industry standards
- Vision PLUS
- Card link credit card payment applications
- end-to-end credit card processing
- issuing
- merchant acquiring
- authorizations
- settlement processing
- Merchant acquiring
- payments servicing
- settlement processing
- payment technologies
- card payments
- mobile payments
- digital wallets
- cards transaction management system
- clearing and settlement
- life cycle processing
- qualifying interchange programs
- Acquiring bank
- issuer
- settlement procedures
- cardholder management
- Financial Authorization system
- ISO8583
Real time transaction processing
Card holder dispute management system
COBOL, CICS, JCL,VSAM, IAM
- Payment application design
- Production support
- Application development
- Cloud Applications
Timeline
Vice President – Cards Issuing and Acquiring
United Overseas Bank
07.2023 - Current
Manager-IT/Technical Lead
Fiserv (Formerly First Data Corporation)
06.2011 - 06.2023
Product Manager
Fiserv (Formerly First Data Corporation)
06.2011 - 03.2020
Senior Systems Analyst/ Project Manager
Tech Mahindra
06.2007 - 05.2011
Senior Systems Analyst/ Project Manager
Tech Mahindra
06.2007 - 05.2011
Consultant
KANBAY Software (I) Pvt. Ltd
01.2006 - 06.2007
Software Engineer & Senior Software Engineer
Satyam Computer Services Ltd.
01.2003 - 12.2005
Master of Business Administration - Management
Sri Venkateswara University
01.1998 - 01.2000
Degree of Bachelor of Science - undefined
Sri Venkateswara University
01.1993 - 01.1996
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