Surbhi Jain

Operations Associate

Dhuri, Punjab, India6 yrs 9 mos experience

Most Likely To SwitchHighly Stable

Key Highlights

Expert in managing international payment processes.
Proven track record in risk mitigation and reconciliation.
Strong relationships with global banks and payment partners.

Stackforce AI infers this person is a Fintech Operations Specialist with expertise in payment processing and reconciliation.

Contact

surbhijain6913@gmail.com LinkedIn

Skills

Core Skills

Payments ManagementFintech OperationsReconciliation AnalysisDerivatives Analysis

Other Skills

API ConnectivityCash Break InvestigationClient SupportInfrastructure ImprovementInternational PaymentsPayment ProcessingReconciliationReconciliation ProcessesRefundsRisk MitigationSettlement ProcessesSettlementsSystem ImprovementsTrade Booking

About

As a graduate with a Master of Commerce from Panjab University, I have seamlessly transitioned into a Payment Specialist role at Deel, where I excel in fintech operations. My core competencies lie in handling international payments, ensuring smooth reconciliation, and partnering with global banks and payment providers to facilitate efficient transactions across 160 countries. At Deel, our team has worked diligently to improve API connectivity, enhancing payment processing capabilities. My skills in MetaBase and Microsoft Excel have been instrumental in designing and implementing robust reconciliation and settlement processes, which align with the organization's commitment to innovation and risk mitigation. Together, we've fostered an environment that values continuous improvement and embraces diverse perspectives to drive the fintech industry forward.

Experience

Deel

3 roles

Product ops Lead(APAC)

Promoted

Jul 2025 – Present · 8 mos · Remote

1 Managing the 3 different teams of 15 people which consist of Deel Payments and other 2 newly acquired companies(Safeguard and paygroup)
2 Working on the migration of the newly acquired company processes to the Deel admin in order to use our already build automation tools for the same.
3 Working with product/tech teams and other department stakeholders to ensure the smooth transition of newly acquired companies into Deel.

Senior Payment Specialist(APAC)

Jul 2024 – Jun 2025 · 11 mos · Remote

Payments Lead( APAC)

Aug 2022 – Jul 2024 · 1 yr 11 mos · Remote

1 Handling all the payins and payouts of Deel for all the EOR's, Contractors and GP Clients along with day to day payment processing, reconciliation, settlements for our clients.
2 Handling all the statutory and Vendor payments for all the APAC countries through Global and local Banks
3 Working closely and managing relationship with the global banks(JPM, HSBC, Dlocal), payment partners(stripe, wise, revolut, paysend etc), treasury teams to ensure funding and the tech teams to resolve any kind of issue we might face in processing the payments smoothly.
3 Working with the tech teams closely in improving the API connectivity for more and more countries.
4 Processing the payments in almost 160 countries which includes wire transfers, international ACH, Direct Debit and other methods like Transferwise, Payoneer, Revolut, Dlocal and Paypal

International PaymentsReconciliationSettlementsAPI ConnectivityPayment ProcessingPayments Management+1

Vauld

Payments Lead

Jan 2022 – Jun 2022 · 5 mos · Bangalore Urban, Karnataka, India

1 Designing the reconciliation and settlement processes of our payment partners with the help of the tech and operations team thereby helping to mitigate the risk of losing money. Ensuring all the settlements are happening on time.
2 Have also set up the refund system for our customers and ensure the reconciliation of the same to mitigate the risk of double credits.
3 Processing payouts related to Vendor payments, withdrawals, and refunds.
4 Directly managed the team of 8 people.

Reconciliation ProcessesSettlement ProcessesRisk MitigationPayments Management

Razorpay

Fintech operations (Payments)

Oct 2020 – Jan 2022 · 1 yr 3 mos · Bengaluru, Karnataka, India

1 Managed day-to-day operations related to Reconciliation, Settlements, and Refunds.
2 Reduced the Failed Refunds by 80% by enhancing the infrastructure, and system improvements in the first 4 months of joining.
3 Closely worked with banks, payment gateways and tech teams for clearing pending issues related to Recon open items and failed Refunds.
4 Worked closely with tech and other teams to figure out the root causes of escalations related to Chargeback, Recon, and failed refunds along with system improvements.
5 Led integration of Chargeback and Refund process which were earlier working in silos along with product and engineering teams which helped to address the Merchant's major pain point.
6 Won Most Valuable Person (MVP) and Tesla (Rzp Highest award) for setting up the entire refund process along with the improvements in reconciliation.
7 Nominated for the Razorpay Annual awards under the Game Changer category (Razor who questions status quo and innovates)

ReconciliationSettlementsRefundsInfrastructure ImprovementFintech Operations

Morgan stanley

2 roles

Reconciliation Analyst

Dec 2019 – Sep 2020 · 9 mos · Bengaluru Area, India

1 Day to Day reconciliations of MS with that of Asia's major exchanges like Taiwan, Malaysia, Korea, Hong kong, NSE, and ICICI on T+1
2 Investigating the root cause of the cash and position breaks.
3 Working with engineering teams for system improvements to reduce errors.

ReconciliationCash Break InvestigationSystem ImprovementsReconciliation Analysis

Derivatives Analyst

Jan 2019 – Nov 2019 · 10 mos · Bengaluru Area, India

1 Booking of trades on Vista (MS trading platform)which is been executed by some external broker and
give in to Morgan Stanley and reconcile the same with the exchange.
2 Also the Trades which are being executed by Morgan Stanley and given up to some other broker.
3 Covered all the European major exchanges like Eurex, ICE EU, Euronext, OMX Nasdaq and also the
smaller markets like South Africa, Spain, Poland, Turkey, and Italy.
4 Also supports the client's queries on emails and calls across the EMEA region.

Trade BookingReconciliationClient SupportDerivatives Analysis