Vimal Raj

About Vimal Raj

Payments and fintech operations professional with 9+ years of experience across reconciliation, settlement, implementation, production support, and control management for banking and fintech programs. I serve as a subject matter expert for operations and reconciliation, with hands-on expertise across prepaid cards, multi-currency forex cards, debit cards, credit cards, corporate cards, consumer cards, BNPL, ATM, CDM, and BNRM operations. My experience includes transaction reconciliation, GL reconciliation, bank account tally, statement validation, interest calculation reconciliation, dispute handling, treasury-linked cross-currency settlement booking, settlement vouchers, TTUM / GEFU support, CIBIL reporting, and daily / monthly / quarterly / ad hoc reporting. I also work extensively with ISO 8583 message analysis, authorization-to-clearing-to-settlement flow understanding, scheme and network file specifications, network settlement-file validation, switch-to-network and network-to-ledger trace analysis, and message- and file-level troubleshooting for reconciliation and settlement issues. A key strength I bring is combining functional ownership with technical execution. I have designed SQL procedure-based reconciliation processes, created complex matching logic for exception scenarios, and supported delivery governance, team coordination, and issue resolution across operations, product, engineering, QA, and client stakeholders.

Experience

1. Associate Vice President

   M2P Fintech

   Oct 2025 — Present · Chennai, IN

   Lead reconciliation implementation, settlement control, and platform enhancement initiatives for banking and fintech clients across multiple regions.• Lead reconciliation implementation and platform enhancement programs for banks and fintechs. • Translate CBS, payment switch, API, wallet, ledger, and treasury-linked settlement requirements into reconciliation designs and operating controls. • Act as SME for operations and reconciliation, providing functional clarifications and troubleshooting support for tally, settlement, GL, and reconciliation issues. • Lead day-to-day team governance including work allocation, priority management, daily status reviews, and delivery tracking. • Track team performance against SLAs, operational KPIs, and delivery milestones while driving blocker resolution and escalation management.

Education

• PGP college of Engineering and Technology

  Bachelor's degree, EEE

  2010 — 2014