Role & responsibilities The role holder is responsible for executing day-to-day operational activities with accuracy, efficiency, and adherence to defined policies and procedures. The role ensures timely processing, compliance with regulatory guidelines, and supports the unit in achieving service level commitments and operational excellence.

Plan and prioritize daily processing tasks to ensure timely completion of all assigned activities within defined SLAs.

- Organize work queues, allocate time effectively, and maintain a disciplined workflow to manage high-volume operations efficiently.
- Anticipate operational bottlenecks by reviewing incoming workloads and proactively preparing for peak volumes.
- Support process planning by highlighting recurring issues, delays, or dependencies to Team Leaders for timely intervention.
- Follow prescribed process plans, checklists, and schedules to maintain consistency, accuracy, and compliance in day-to-day tasks.
- Contribute to team planning discussions by sharing insights on process gaps, improvement opportunities, and workload patterns.
- Maintain readiness for audits, reviews, and business continuity requirements through disciplined documentation and adherence to SOPs.
- Identify areas where work distribution, timing, or coordination can improve operational flow and share suggestions with supervisors.

Adhere strictly to all bank policies, Standard Operating Procedures (SOPs), regulatory guidelines, and internal compliance norms while executing daily tasks.

- Follow established workflows, makerchecker controls, and verification checkpoints to ensure accuracy and consistency in processing.
- Execute all tasks in accordance with RBI regulations, data security guidelines, and audit requirements, ensuring zero deviations.
- Ensure proper documentation, filing, and version control of all records, forms, applications, and process-related documents.
- Perform regular self-checks and internal quality reviews to minimize errors, rework, and process gaps.
- Escalate any process deviation, exception,



or system issue promptly to supervisors for timely resolution.
- Maintain audit-ready documentation and support process adherence during internal/external audits or inspections.
- Contribute to process improvement by identifying inefficiencies, gaps, or recurring issues and suggesting practical enhancements.
- Ensure disciplined execution of tasks by following daily checklists, quality standards, and operational guidelines.

Merchant onboarding, document verification, risk checks • MID/TID creation, terminal deployment & activation • Merchant settlement configuration and reconciliation • Handling chargebacks, disputes, and retrieval requests • Coordination with sales teams, technical teams & vendors • ATM EJ reconciliation, dispute verification, cash tally • Handling dispense errors, chargebacks & disputes • Coordinating with custodians, vendors & cash replenishment teams • Monitoring ATM downtime, incident resolution & escalations • Ensuring accuracy in switchhost reconciliation • Processing chargebacks as per VISA/Mastercard/Rupay guidelines • Daily reconciliation of GLs related to Cards, Acquiring & ATMs • Identifying breaks, exceptions & raising corrective entries • Tracking unresolved items and ensuring timely clearance • Processing repayments, part-prepayments & closures • Resolving mismatches in EMI posting and interest calculations • Processing settlement files from VISA/Mastercard/Rupay/NPCI • Validating interchanges, fees, chargebacks & settlement entries • Preparing MIS, daily trackers, dashboards & settlement reports • Maintaining audit-ready documentation for all activities

Support Team Leaders and Unit Managers by guiding junior processors in day-to-day operational tasks and process understanding.

- Help manage escalations by coordinating with team members and providing support to ensure issues are resolved efficiently and within defined timelines.
- Maintain a positive and skilled environment that fosters productivity, engagement, and continuous learning.
- Serve as a role model in demonstrating ownership, work ethic, accuracy, and adherence to operational excellence standards.

📌 Processor-Card Operations- Chennai
🏢 Yes Bank
📍 Chennai