Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Sandeep Chhikara

Doha,Qatar

Summary

  • Goal Oriented and self-driven professional seeking Senior level assignment in Payments and Card industry to utilize my experience, skills and contribute effectively to synergize both, the success of organization and acquire new personal skills. Professional Summary:
  • Accomplished professional with 20 years of leadership experience in implementing large scale projects for Payment and card industry, Product management & Consulting, IT Infrastructure Integration in a Fortune 500 Financial Services(Banking) Organization.
  • Managing Vendor relation for Cost finalization of Projects and finalizing the technical scope along with timeliness with multiple Vendors and inhouse teams. Involved with Vendor for Contract finalization of any consultancy.
  • Projects Status and effective Communication to Stakeholders. Risk Management monitoring of projects and updating stakeholders in case of risk which impacts project timelines using agile methodology and ensuring regulatory compliance of banking and country are followed during implementation.

Overview

20
20
years of professional experience
1
1
Certification
1
1
Language

Work History

Senior Manager

Qatar National Bank, QNB
06.2011 - Current

Merchant

Qatar National Bank
05.2011 - Current
  • Pricing: - QNB offers innovative POS and e-commerce acquiring product services with blended commission rate to our merchants and the current pricing is having limited standard options
  • Business observes that Due to standard pricing offered to merchant, sustainable profitability could not be achieved
  • So to capitalize on the opportunity of charging dynamic rate based on card classifications of Payment schemes and enhance the acquiring profitability of QNB, business requested commissions based on card type details provided by schemes
  • Prime3 to Prime 4 Migration: To adopt the changing technology and as part of Internationalization QNB decide to migrate credit card system from Prime3 to Prime4
  • Newly designed product support latest Database, Front end and OS for server and also come with new enhanced features like JCB EMV support, RAC enabled, Payment free Holiday which fulfill business needs
  • Also involve in reconciliation of old and newly migrated system
  • Implementation of Inter Change Pricing system(IPS): QNB is largest acquirer of country and due to standard pricing of acquiring product QNB revenue sharing with scheme in the form of interchange Fee or Assessment Fee for Visa and MasterCard is very high
  • Vendor suggested and showcased the benefit of implementing IPS system to improve IRD values for MasterCard and Visa off US transactions
  • System is designed based on Interchange agreement between Payment schemes and bank
  • Multiple POS on Single Terminal:- The Objective project is to implement the multiple Application functionality in one single POS in order to accommodate multiple business requirement in the same POS terminals (like Installment plan, different Bill collections etc.) aside to the regular POS transactions which will certainly reduce Capex cost and increase the operational efficiency for merchants
  • POS application enhancement was done by third party Vendor
  • BOSC System Migration: MC Incoming file on MasterCard end point contain both Credit and debit card settlement Transaction and Credit Card system(Prime) having only Credit Card details
  • BOSC system was used to process Mc incoming file and generating two separate files for Credit and debit cards
  • In house system developed to process the MC file on Prime system generate debit card transactions files in Visa Base2 format
  • Tokenization(Issuer): QNB implemented Apple pay and Samsung pay to adopt the technology changes in the market and making cards payment more secure for customer
  • Customer was given option in mobile banking to tokenized the Visa and MasterCard and tokenized PAN is shared with scheme in integration with Thales interface
  • Thales API’s are integrated with QNB API to tokenized and providing sharing the info with scheme
  • PCI DSS Implementation:
  • The objective of the project is to get PCI DSS certificate for products (In-house /Our sourced) having Cardholder data(CHD) and Sensitive authentication data(SAD)
  • In initial discussion we involved all system Admin to identify the flow of card holder and Sensitive data in various system
  • All identified the Network domain for card holder and non-card holder system
  • Also identified the card holder system which are used on intranet and internet
  • After identification of all details PCI rule are implemented and enforced on systems
  • Kapiti File for Core Banking: Central bank reported issues in customer collection data provided by bank and to fix the issue we change credit card account creation process in equation and fee charge for customers
  • Also enabled system not to go over limit due to fee
  • Smart Installment and Payment Free holiday: To provide customer facility of converting any transaction into installment and applying for payment free holiday from internet banking
  • Other projects are VCN Card Solution of MasterCard for QNB Corporate Customers, Transit Model of Schemes for Qatar Rail, Card Digitalization of Card on MB/IB, Low interest offering, Payment Gate Way (settlement Process), Instant and Central Issuance, Auto Installment, middle ware integration.

Lead consultant

09.2010 - 05.2011

Headstrong India Pvt Ltd
09.2010 - 04.2011
  • Agilent Technology
  • Agilent is world’s premier company in measurement tools
  • Headstrong is involved in Application Development and maintenance of the certain part of this website and the content contributor – JPUB which is used to create their measurement products
  • Agilent has engaged headstrong team in the following activities:
  • Responsibilities
  • Understanding of Requirements and Business Rules to create contents
  • Involved in preparation of database Design and Execution
  • Involved in Quality Activities like stress testing in UAT Phase

system analyst

TSYS
09.2007 - 09.2010

TSYS India, B&S
09.2007 - 09.2010
  • BSCS is one of the largest Acquirer currently using SAP, Marlin database to store the acquirer details
  • The client will give the merchant details in XML format and we need to migrate the data in our TSPRIME acquirer system
  • In the same ways client will provide us the fraud cases in either text file or in XML which should be migrated in our fraud guard system
  • Client: Carrefour (Go Live support):
  • Carrefour was on processing platform of TSYS based in UK
  • During go live support TSYS set up 24
  • 7 support for client (WAR room)
  • I was part of the core support team to support any issue reported by client in processing or issue faced by Processing center during file process or end od day issues
  • Client’s: Middle East Banks
  • PRIME is a suite of card and merchant management systems and implements payment card systems all over the world
  • Prime is a system which manages all the activities of the issuer and the acquirer of the bank such as creation of new customer, account, card, merchants and manages all the transactions, interest calculations, Fee Calculation, EMI, Utility payments for the customer etc.

NIIT as
05.2006 - 08.2007

NIIT Ltd
05.2006 - 08.2007
  • Encore Project is in house project for NIIT Students
  • My Role in the project is to write procedures and triggers
  • And also Change the procedures and triggers
  • Also Work as Functional Expert of the project
  • This Project is to Store information regarding a student like in which course and curriculum student registered
  • According to the order book of student how much amount is due in a month for a student.

Software Developer

ESS
07.2005 - 05.2006
  • Certificate: Received Excellence award from QNB for migration project in 2018
  • Received certificate of appreciation from Visa for contribution in migration of Card portfolio
  • Awarded with employee of the month twice in last one year.

Eastern Software Systems, Dee Development Engineers
Faridabad
06.2005 - 04.2006

Education

Master Of Computer App -

Mahrishi Dayanad University
IMT
June 2005

Bachlor - Science

Mahrishi Dayanad University
Hindu College
April 2002

Skills

  • AML Course
  • Technical Exposures/skills:
  • RDBMS:
  • Oracle 19c, Informix
  • Tools:Microsoft Projects, EPM, JIRA, Visio, PL/SQL Dev, SVN Code Management
  • Programming Lang:Shell Script,Net
  • Banking Application:Prime, Online, Smart Vista, Work-flow, IPS( Inter Change Pricing System)

Certification

Hobbies: Playing Badminton,Watching Cricket [Sandeep Chhikara] 1 Resume: Sandeep Chhikara

Timeline

Senior Manager

Qatar National Bank, QNB
06.2011 - Current

Merchant

Qatar National Bank
05.2011 - Current

Lead consultant

09.2010 - 05.2011

Headstrong India Pvt Ltd
09.2010 - 04.2011

system analyst

TSYS
09.2007 - 09.2010

TSYS India, B&S
09.2007 - 09.2010

NIIT as
05.2006 - 08.2007

NIIT Ltd
05.2006 - 08.2007

Software Developer

ESS
07.2005 - 05.2006

Eastern Software Systems, Dee Development Engineers
06.2005 - 04.2006

Master Of Computer App -

Mahrishi Dayanad University

Bachlor - Science

Mahrishi Dayanad University

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Sandeep Chhikara