Soniya J S

Results-driven Banking and Operations Professional with 4.5+ years of experience in Customer Service, Transaction Banking, Corporate Client Management, NACH Operations, ICCL & BSE Transactions, Corporate Internet Banking, and Client Onboarding. Skilled in handling corporate client relationships, account servicing, documentation verification, compliance processes, MIS reporting, and banking operations. Proven ability to resolve customer queries and collaborate with cross-functional teams to deliver efficient banking solutions.

Assistant Manager – Customer Service & Transaction Banking Group (NACH) - YES BANK LTD

(2024-08)

• Managed end-to-end NACH mandate registration, modification, cancellation, and processing.
• Handled inward and outward NACH transactions in compliance with NPCI guidelines.
• Verified customer and corporate mandate documents for accuracy and completeness.
• Coordinated with corporate clients, branches, and operations teams for timely mandate processing.
• Monitored NACH debit and credit transactions and resolved transaction-related discrepancies.
• Investigated and resolved mandate rejections, returns, and customer queries.
• Prepared daily and monthly MIS reports related to NACH transactions and mandate status.
• Ensured adherence to regulatory requirements and internal compliance standards.
• Supported corporate clients in NACH onboarding and implementation processes.
• Coordinated with NPCI, sponsor banks, and internal teams for issue resolution and smooth transaction processing.
• Maintained high service standards and ensured timely turnaround of NACH requests.
• Assisted in automation and process improvement initiatives to enhance operational efficiency.
• Processed and monitored monthly service charges, transaction charges, and penalty charges for corporate clients.

Implementation - Scymes Services Pvt. Ltd. (Deployed at YES BANK LTD)

2.5 years of experience in Implementation – Scymes Services Pvt. Ltd. (Deployed at YES BANK LTD)

• Onboarding Corporate Internet Banking, API Banking, E-Collect, NACH, Expense Cards, Cash & Cheque Collection services.
• Managing client documentation and onboarding processes for corporate banking products.
• Preparing and maintaining MIS reports for business tracking and operational monitoring.
• Implementing customer solutions in Corporate Net Banking and Trade Services, including payment solutions.
• Understanding customer requirements and providing end-to-end digital banking solutions.
• Conducting training sessions and product demonstrations for Sales and Customer Service teams on Corporate Internet Banking enhancements.
• Handling customer escalations and coordinating with Product, Operations, and Regional Support teams for timely resolution.
• Ensuring smooth onboarding and integration of online banking solutions for corporate clients.
• Building strong customer relationships and delivering high-quality service support.

Junior Officer – Documentary Services - HDFC Bank / HDB Financial Services

(2020 - 2021)

• Handled trade services documentation and processing activities.
• Verified and processed customer documents related to trade operations.
• Maintained document tracking records and operational reports.
• Prepared daily, weekly, and monthly MIS reports.
• Monitored daily operational activities and ensured timely processing.
• Coordinated with internal teams for smooth workflow management.

Bachelor of Computer Applications - BCA - SMT. VHD Central Institute of Home Science, Bangalore University (2019)

PUC - Science - Royal Composite PU College (2016)

SSLC - Panchajanya Vidya Peeta REG.GHS (2014)