Ameya Lakhe

Project Manager: Cards Payment Solutions, Digital Wallets, Mobile Banking

An enthusiastic & motivated professional possessing management skills with good reasoning & analytical skills to ensure
delivery excellence & accomplishment of all assignments

Contact: 7032904243 | ameya.lakhe@gmail.com

LinkedIn : https://www.linkedin.com/in/ameya-lakhe-44719121/
Skype ID : +917032904243

An Overview
» Business & System Analyst with 5+ years of experience in ICICI Bank with overall 9+ years of IT experience
» Certified Agile Scrum Master – International Scrum Institute – Certification ID – 59473055274691
» Expert in evaluating & reviewing requirement documents/product backlog, periodic review of sprint
backlog, formulating and designing system integration and internal flow, designing test cases and strategy,
maintaining system hygiene and taking proper action towards technical debt.
» Involved in:
o Project management - Status tracking and reporting with focus on revenue growth and product line
enhancement
o Digital Transformation - Solutioning and re-imagining existing product models on digital
platforms
o Change Management - Responsible for reviewing business requirements, functional specification
documents, user stories and sprint planning
o Delivery - Conducting regular review meetings with stakeholders, preparing action plans, aligning
deliveries, sharing regular status update with stakeholders and senior management
o Business Strategy - Quarterly review with Product Team on transactions and revenue to strategize
enhancements in existing and new product line
» An efficient leader with proven capabilities in managing teams during all project phases, training &
guiding team members and enabling knowledge sharing among the team.

Career Summary
Since May’14 ICICI Bank Project Manager
» Responsible for defining customer journey, requirements gathering research and propose design solutions.
Responsible for leading the technical teams and contractors, ensuring optimum service delivery to existing
business line.
» Led projects including various stakeholders including technical, financial and business disciplines.
Focused teams on business objectives and tracked progress to ensure project milestones were completed on
time, on budget and with the desired results.
» Involved in setup of first Indian digital wallet (Pockets) partnered with VISA to cater young customers and
integration with several merchants for wallet based payments.
» Coordination with VISA, MasterCard & RUPAY for product enhancements, payment lifecycle issues and
implementation of projects pertaining to business, compliance and interchange mandates.
» Aligning delivery of critical periodic MIS reports to business for ascertaining business growth, revenue
generation and transaction patterns for planning future product rollouts and consolidation of existing
offerings.
 Projects undertaken at ICICI Bank Ltd
Revenue 1. Integration with multiple merchants for facilitating real time payments using POCKETS
Centric 2. Implementation of digital overdraft product – PAYLATER as an alternative for credit cards with
annual transaction volume of INR 450 Mn and projected income of INR 15 Mn
3. Memento cards with customized appearance helped increment annual revenue by INR 2.5 Mn
4. Contactless chip cards to provide enhanced transaction security with ease of transaction for
customers and revenue mode for bank
5. Cash@POS support for domestic cards opened new stream for revenue generation and reduced
load on bank ATMs with fee revenue of INR 3 Mn
Customer 1. Fastag recharge, Bill payments, Mobile recharge, Scan to Pay transactions, Contactless wallet
Centric payments, UPI payments and movie ticket booking using the ease of mobile App - POCKETS
2. Transforming customer journey by enabling entire card lifecycle over the Mobile App including
issuance, loading, spends and other service requests viz. Statements, Green PIN, Block/Unblock,
Contact Update and Refunds (Annual savings of INR 2 Mn)
3. Contactless transaction support for Prepaid Chip cards (Incremental revenue of INR 30 Mn)
4. Customized Cards with customer preferred images (Annual revenue 2.5 Mn)
5. Card less cash withdrawal facility through unique pass codes over in-house ATMs
6. Real time loading of domestic and international prepaid cards which makes it ready to use
solution and great appeal to customers
Regulatory 1. RBI Revised Prepaid guidelines Oct-2017 to restrict transactions and balance based on customer
& KYC status, balance transfer across Wallets, refund mechanism to linked bank account and KYC
Compliance for Corporate signatories
2. GST implementation on fee collected from Prepaid customers and generation of customer
statements & GOI returns as GST council mandate
New 1. ForEx Prepaid cards with wallets in 15 major currencies for seamless transaction support across
Product the globe
Offerings 2. Domestic prepaid cards with Multi-MCC wallets in a single card. It helps in saving stationary
costs and opportunity to tap existing corporate base for Meal/Travel/Petty Cash/Fuel cards
3. Automated cash deposit and reconciliation solution for payment solution to Cash-on-Delivery
corporate
Cost 1. Green PIN generation will help bank in saving 3 Mn annually by cutting down the printing and
Control dispatch costs
Measures 2. Prepaid offerings over mobile app will lead to saving INR 2 Mn by cutting down load on Bank
Channels (Branch/Sales/Contact Center & Operations)
3. Full issuance support for chip card authorization will facilitate bank in saving Interchange fee
for authorization support
Migration Prepaid Cards Migration
» End-to-end implementation of Prepaid Card Management System (PCMS) to support
issuance, loading, maintenance & online transactions of Prepaid cards issued to resident
customers in INR & 15 other currencies
» Integration of PCMS with various bank interfaces, like IVRS, Base 24 (Bank Switch),
Enterprise Data Warehouse, LDAP for access management, HSM for card authentication,
Bank middleware for micro services, etc.
» Few of the important benefits realized:
o Improved scalability of system to support broader customer base
o Implemented Web Service based architecture to support enhancements
o Set up of various self service options like web portals & phone banking for individual
customers, corporate customers and internal teams for quick query resolution
 Project details at TCSL
Dec’ 08-Oct’ 12 Tata Consultancy Services Systems Engineer

Project Title / Name Application Management Services

Project Duration Oct’ 11 – Oct’ 12

Role Analyst / IVR Developer / Tester

Technology DB2 Database, Transaction Processing Facility on z/OS 01.11
Client The City University of New York (CUNY)
Project Description
» Worked on CUNY systems for Title IV Aid management, student Academic records, entrance exams and
student allocation process, course management and exam related records, interfacing with several federal
agencies for policy updates
» Preparing design documents and monthly reports to be shared with Client and Senior Management

Project Title / Name Fares & Pricing Maintenance

Project Duration Jun’ 09 – Oct’ 11

Role Developer
Technology DB2 Database, Transaction Processing Facility on z/OS 01.11
Client TravelPort
Project Description
» Responsible for enhancement and stability of Biggest Airline Ticketing management Portal (TravelPort)
» Worked on Application supporting fares and pricing applicable for associated Airlines basis Multi trip
processing, IATA fare construction principles, Fare selection criteria, Currency conversion processing,
Combinability processing, Minimum checks occurrence and Baggage and Tax processing.

Awards & Recognitions

 Recognized as Retail Payment Solutions Achiever for Year 2016-17
 iMobile selected as Best Retail Mobile Banking App in The Asian Banker Technology Innovation Awards
2018
 Prepaid Cards Migration selected as Best Retail Payment Project in The Asian Banker Technology
Innovation Awards 2016

Tools
 Jira for requirement tracking, sprint planning and backlog tracking
 Confluence for project related documentation and knowledge repository
 Jenkins for devops implementation
Academics
MBA (Finance & Banking) NIIT University, Neemrana, Rajasthan Oct’ 14 6.9
B. Tech (Electronics & Telecom) National Institute of Technology, Raipur Jun’ 08 66%
SSC Krishna Public School, Durg Jun’ 03 75.6%
HSC Ambuja Vidya Peeth, Baloda Bazar Jun’ 01 69.6%