May 2018 – Apr 2025 · 6 yrs 11 mos · Noida, Uttar Pradesh, India · Hybrid

• ● Overseeing and executing reconciliations for all merchant verticals.
• ● Collaborating with the concern SPOC and merchants to address reconciliation findings and fill gaps.
• ● Resolving reconciliation issues and facilitating the collection of outstanding dues from merchants.
• ● Managing and executing all cash application activities.
• ● Ensuring timely and precise posting of collections in the books.
• ● Supervising the knocking of posted collections in the books.
• ● Tracking merchant payments and ensuring effective ERP payment application.
• ● Investigating and resolving queries related to outstanding invoice payments.
• ● Meeting strict monthly and annual collections targets.
• ● Enhancing collection, reconciliation, and booking processes through increased automation.
• ● Working closely with various verticals, including Sales, Tech, Product and other stakeholders for streamlined processes.
• ● Assisting in the preparation of Daily, Monthly MIS/Deck for Collections for Functional Review.
• ● Managing and executing 26 AS statement reconciliation quarterly and yearly.
• ● Validating the accurate posting of all TDS entries in the merchant ledger.
• ● Communicating details of non-deposition of TDS with the concern SPOC for merchant communication.
• ● Providing support for Month-end, FY closing, and contributing to Internal & External Audits and compliances.

Feb 2016 – May 2018 · 2 yrs 3 mos · Gurgaon, India

• DUTIES AND RESPONSIBILITIES :
• ● Served as the Single Point of Contact (SPOC) for finance teams, overseeing daily payments and compliance for Car, RE & Jobs verticals.
• ● Actively managed sales team support & coordination PAN India to prevent revenue leakage.
• ● Mentored and assisted the collection & reconciliation team in understanding business processes.
• ● Developed training plans for team members with a focus on business understanding.
• ● Conducted periodic meetings to provide exposure to business dynamics.
• ● Provided support for Month-end, FY closing, Revenue reconciliation, and Internal & External Audits.
• ● Ensured 100% compliance in all processes with controls over Horizontal and Verticals collection.
• ● Managed Horizontal collection, reconciliation, refunds, chargeback, and credit ageing with BI alignment.
• ● Oversaw Vertical team collection, highlighting pending payments to the team head.
• ● Reviewed reconciliation of ICICI bank/collection account, addressing outstanding cases.
• ● Maintained/Updated SOPs for the entire collection process.
• ● Prepared Daily, Monthly MIS/Deck for Collections for Functional Review.
• ● Improved the PayU dashboard for enhanced final reconciliation and automated processes.
• ● Provided regular support to verticals, telesales, and accounts teams.
• ● Ensured timely revenue reconciliation, booking, and bank reconciliation with major variance highlights.
• ● Conducted complete reconciliation for revenue, credit outstanding, and deferred revenue.
• ● Collaborated with Verticals, Tech, product, BI, and other stakeholders to introduce new business and adhere to processes.
• ● Acted as SPOC for banking, payment gateway, and other business partners in new product & business initiatives.

Feb 2013 – Feb 2016 · 3 yrs · Gurgaon, India

• DUTIES AND RESPONSIBILITIES :
• ● Managed and reconciled Online (Prepaid) & Marketplace sales, payments, and collections.
• ● Oversaw Courier partner & Gateway management for seamless logistics and transaction processing.
• ● Monitored daily sales, settlements, refunds, and chargebacks, ensuring accuracy and efficiency.
• ● Provided support to the technical team, addressing and resolving system glitches promptly.
• ● Reconciled collection & settlement reports on a daily and monthly basis for comprehensive MIS.
• ● Ensured reconciliation of sales/collection with the accounting system and maintained a daily MIS/Dashboard of sales.
• ● Coordinated and monitored payment gateway processes, addressing any related issues.
• ● Analyzed the performance of multiple Payment Gateways and facilitated new integrations.
• ● Monitored payment gateways, verifying commission deductions as per the agreement.
• ● Oversaw and reconciled Retail Store, CFA Sales, collection, and refunds on a daily basis.
• ● Conducted Inventory & Internal Audits on a monthly, quarterly, and yearly basis.
• ● Verified and processed refunds to customers and Payment Gateway invoices.
• ● Handled Marketplace vendor payments and conducted reconciliations.
• ● Provided support to Finance, CRM, Operation, Logistics & Tech teams for the smooth functioning of business processes.
• 𝗙𝗿𝗮𝘂𝗱 & 𝗖𝗵𝗮𝗿𝗴𝗲𝗯𝗮𝗰𝗸 𝗔𝗻𝗮𝗹𝘆𝘀𝘁
• ● Evaluated contested transactions with the gateway, compiling required documentation for further review.
• ● Functioned as a Fraud Analyst specializing in chargebacks, offering assistance to the gateway.
• ● Supervised various card transactions for security and compliance adherence.
• ● Tracked and managed chargeback follow-ups with gateways.
• ● Analyzed and assessed online transactions with the gateway, continuously monitoring risk exposure.

May 2008 – Feb 2013 · 4 yrs 9 mos · New Delhi Area, India

• DUTIES AND RESPONSIBILITIES :
• ● Led and supervised a team engaged in CMS (Cheque Management System) collection and processing.
• ● Managed day-to-day operations of the collection and processing team to ensure efficiency.
• ● Coordinated with cross-functional teams to streamline CMS workflows and optimize processes.
• ● Monitored and ensured compliance with established policies and procedures.
• ● Conducted regular training sessions for team members to enhance their skills and productivity.
• ● Implemented performance metrics to evaluate and improve the team's effectiveness.
• ● Collaborated with clients to understand their requirements and address concerns.