CURRICULUM-VITAE Manoj Kumar # 52, 1st Floor, 2nd Main, Natraj Layout, 7th Phase, J P Nagar, Bangalore 560

078 Mobile: 99727- 70700 Email: kumar.manoj@mail.com LinkedIn-http://in.linkedin.com/pub/manoj-kumar/18/508/859 Job Objective Assignments in Profit Centre POS / Risk and Credit Administration / Client Relationship Management / Marketing in a high growth oriented organisation. Professional Profile Over 9 years experience in the areas of Business Development, Marketing, CRM, and Risk & Credit in Merchant Acquiring. Adept at managing & leading teams for running successful process, experience of developing procedures, service standards for business excellence. Possess excellent interpersonal, communication and organizational skills with proven abilities in team management, customer relationship management and planning.

Educational qualification Masters in Arts from Ranchi University-Ranchi Area of expertise Business Development & Marketing Implementing competent strategies with a view to penetrate new accounts and expand existing ones for a wide range of banking products / services. Identifying and networking with prospective clients, generating business from the existing accounts and achieving profitability and increased sales growth

Client Servicing Managing customer service for rendering and achieving quality services; providing first line customer support by answering queries & resolving issues, ensuring minimum TAT. Supervising the preparation of MIS reports to provide feedback to top management of monthly performance, management, credit control, profitability, etc

Team Management Leading, managing & monitoring the performance of team members to ensure efficiency in process operations and meeting of individual & group targets. Determining training needs of associates and conducting suitable training programs to enhance their operational efficiency leading to increased productivity.

Profit Centre Management Managing the business with key focus on bottom line profitability by ensuring optimal utilization of available resources. Monitoring the overall functioning of processes, identifying improvement areas and implementing adequate measures to maximize customer satisfaction level.

Fraud & Risk Control Training all high-risk merchants on card securities and recent acquiring fraud trends. Investigating on all acquiring frauds (charge backs) like lost card, never received, skimming and counterfeit transactions. Putting queries to identify all susceptive transactions like transactions on Foreign BINs, Card on Run, deposit monitoring and investigating on the same to restrict FTS Ratio. Terminating collusive merchants, cash points and updating the same in Negative database. And Co-coordinating with other acquiring banks.

Career progression Area Head-South at Venture Infotek Global (P) Ltd March 2010 - Present (1 year 6 months) Venture Infotek, Indias premier Transaction Management Company, pioneered the introduction of E-Payments in India and since then have continued to be instrumental in shaping this industry. On August 27th 2010, Atos Origin announced the acquisition of Venture Infotek. Atos Origin's core Expertise in Hi-Tech Transactional Services is brought together by its subsidiary Atos Worldline. Backed by its powerful parent company and by years of experience in the payment sector, Atos Worldline plays an international role in the field of electronic transactions. Through this acquisition, Atos Worldline reinforces its core business and enters one of the worlds fastest growing payment Market Job Profile The job involves Interacting with merchants for acquiring the business by installing the EDC terminals for Punjab National Bank Managing Portfolio of over 500 Merchants across 11 Categories in Karnataka, AP, TN and Kerala. Managing portfolio size of 150 Crs for the year (Estimated with current rate) Responsible for the Credit and Debit cards acceptance of Merchants Ensuring maximum acceptance business from Merchants through value added services Takeover of acceptance business from other Banks Maintenance of database, Analysis and constant presentation of report on the Portfolio Managing internet payment gateway, WRT Managing a team of 12 Sales officers across south India. Merchant base includes Top Travel agents, Mobile dealers, Jewelers, Departmental stores, Hotels, Restaurant, Fuel Stations, Shopping malls, Hospitals, educational institutes, Apparel Stores

April 2008 February 2010 Senior Account Manager: Merchant Solutions Pte Ltd (An alliance between First Data International and Standard Chartered Bank) . Merchant Solutions Private Limited is a leading merchant acquiring business in the Asian region formed from an alliance between First Data and Standard Chartered Bank. Merchant Solutions provide a variety of payment processing facilities including electronic payment, point of sale and on-line transaction processing solutions enabling credit and debit acceptance, prepaid and gift card processing, installment payments, currency conversion and contactless payment options. Headquartered in Singapore, Merchant Solutions provides services to merchants across Asia including Bangladesh, Brunei, Hong Kong, India, Macau, Malaysia, Singapore, Sri Lanka and China. Job Profile The job involves Interacting with merchants for acquiring the business by installing the EDC terminals Managing Portfolio of over 400 Merchants across 11 Categories in Bangalore Responsible for the Credit and Debit cards acceptance of Merchants Ensuring maximum acceptance business from Merchants through value added services Takeover of acceptance business from other Banks Active cross selling of Standard Chartered Banks products to the Merchants Maintenance of database, Analysis and constant presentation of report on the Portfolio Managing internet payment gateway, Xtp Batch processing ,IVR business Managing a team of 2 Account Managers Merchant base includes Top Travel agents, Cellular service operators, Mobile dealers, Jewelers, Departmental stores, Hotels, Restaurant, Fuel Stations, Shopping malls, Hospitals ,educational institutes

Achievements Achieved the highest boarding rate for the year 2008 and 2009 I achieved highest activation rate in Bangalore with over 73% activated account I was awarded Top Sales Manager in APAC region for the month of October 2009.

June 2003- March 2008 Sales Manager Merchant Services with Centurion Bank of Punjab Ltd Centurion Bank of Punjab Ltd is India's leading bank with total assets of about Rs.112, 024 crore and a network of about 250 branches and offices and about 1100 ATMs. Centurion Bank of Punjab Ltd. offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized subsidiaries and affiliates in the areas of investment banking, life and non-life. Job Profile The job involves Interacting with merchants for acquiring the business by installing the EDC terminals. Managed Portfolio of over 450 Merchants across 7 Categories in Bangalore Responsible for the Credit and Debit cards acceptance of Merchants Ensuring maximum acceptance business from Merchants through value added services Takeover of acceptance business from other Banks Active cross selling of Centurion Bank of Punjab Ltd products to the Merchants

To coordinate and integrate business development, Marketing, Technology, Product Management and development activities with the Merchants, Operation team and Bank. Maintenance of database, Analysis and constant presentation of report on the Portfolio Managed a team of 4 Officers Merchant base includes Top Travel agencies, Cellular service operators, Mobile dealers, Jewelers, Departmental stores, Music outlets, Fuel Stations, Shopping malls Etc.

Achievements Successfully achieved monthly Sales target Successfully increased the volume of Portfolio from 20 lakhs to 14crs in 12 months Bangalore team topped in cross selling in 2006-07 under my leadership, and a memento was presented to me.

January 2002 April 2003 Corporate Sales Associate with Jobsahead.com Jobs Ahead is Indias leading Internet Enabled Recruitment Solutions provider. It is a market leader on all performance metrics - Market Share, Database, Corporate Buy-in, Page Views and Service Delivery. It is backed by a committed Leadership team & the most sophisticated technology for the business. It consists of selling Jobs heads on-line Recruitment Services to Corporate HR managers. We are also being responsible for prospecting, acquiring and closing deals with Corporate Clients.

Achievements Successful in achieving monthly sales targets and repeats customer sales. January 2001 to December 2001 Customer Relation Executive with Junction96 Digital Services Pvt. Ltd Interacting with various kinds of customers for Sales of WEB Browsing Packages Generating advertising and promotional revenue, which is a key source of income for the company. Promoting various products and services through the Internet parlors Handling day to day activities of the centers (Operations) implementation of Internal as well Customer promotional campaign

Achievements Successful in achieving monthly sales targets and repeats customer sales.

Personal information: Fathers Name Mothers Name Date Of Birth Sex : : : : Late Shri C. K. N. Singh Smt. Ramawati Singh 26th Jan. 1971. Male

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Married. English, Hindi & Kannada. Represented Dist. In School level Volleyball Tournament. RDCIS, SAIL Volleyball wings for diff. Dist. & State Tournament. Adaptable to change, working in group, hard working for challenging position. Playing cricket, listening to old & Regional music. # 52, 1st Floor, 2nd Main, Natraj Layout, 7th phase, J P Nagar, Bangalore 560078

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