---
title: "Hema Punchayil - Senior Associate in Mumbai | Tal"
description: "Meet Hema Punchayil, Senior Associate | SME – Pension & Retirement Operations | UK Onsite Process Migration – Leading Pension Client | Quality Assurance | End-to-End Process Handling | Multi-Platform Proficient | 4 years in KPO based in Mumbai."
image: "https://tal.club/meet/hema-punchayil/share-image"
---

# Hema Punchayil on Tal

## Headline

Senior Associate \| SME – Pension & Retirement Operations \| UK Onsite Process Migration – Leading Pension Client \| Quality Assurance \| End\-to\-End Process Handling \| Multi\-Platform Proficient \| 4 years in KPO

## About

With 4\.4 years of experience in the Global Financial Operations industry, I currently work as a Senior Associate and Subject Matter Expert \(SME\) at Atos Syntel, managing operations for our client Aegon, UK—a leading pension and retirement services provider\. My core responsibilities involve handling critical pension processes like flexible withdrawals \(UFPLS\) and small pension pots, along with overseeing work allocation, quality control, and query resolution\. I’ve built deep domain knowledge in retirement finance, balancing precision, compliance, and client sensitivity in every task\. I started my journey working on money\-out re\-registration processes, where I facilitated fund and cash transfers between plan managers, reviewed transfer authorities, and used platforms such as Composer to execute transfer\-outs\. Later, I contributed to a sensitive post\-death fund disbursement process, ensuring that members’ families received their dues accurately and respectfully—a role that required both technical precision and empathy\. 🌍A proud milestone in my career was being selected to travel to Peterborough, UK, where I successfully migrated two key pension processes from Aegon to our offshore team\. This international experience not only broadened my expertise but also proved my ability to manage change and deliver under pressure\. 🔧 Tools & Systems: Azure \| Pega \| Compass \| Composer \| Oracle \| AWD \| Dcorum \| ATG \| Lexis Nexis \| Experian \| Origo and more

## Location

Mumbai

## Work experience

Senior Associate at Atos Syntel, Apr 2024 \- Apr 2026 · 2 yrs 1 mo, Navi Mumbai, Maharashtra, India

Associate at Atos Syntel, Dec 2022 \- Mar 2024 · 1 yr 4 mos, Hybrid

KPO Officer at Atos Syntel, Dec 2021 \- Nov 2022 · 1 yr, Hybrid

## Education

University of Mumbai

[View the original profile](https://tal.club/meet/hema-punchayil)

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