Oct 2024 – Present · 1 yr 5 mos · On-site

• Leading reconciliation under the OMNI initiative, ensuring accuracy and compliance across major payment gateways (Cards, UPI) and partner ecosystems.
• Key Responsibilities:
• Managed high-volume transaction reconciliation, aligning banking partners and merchant accounts.
• Drove automation initiatives to reduce manual efforts, improving reconciliation speed and minimizing risk.
• Partnered with product, engineering, and banking teams to optimize financial workflows and reporting accuracy.
• Identified process bottlenecks and deployed scalable solutions for error handling, revenue mapping, and settlement optimization.
• Established robust controls for ledger reconciliation, payout validation, and exception handling across real-time and batch transactions.

Apr 2023 – Sep 2024 · 1 yr 5 mos · On-site

• Appointed post Ezetap–Razorpay integration to scale finance operations for high-stakes reconciliation and settlements.
• Key Responsibilities:
• Oversaw end-to-end reconciliation for high-volume HDFC and Axis acquiring channels, ensuring financial accuracy across stakeholders.
• Led chargeback management lifecycle, minimizing merchant risk through effective dispute resolution and bank coordination.
• Improved refund tracking and SLA adherence through the implementation of a centralized framework.
• Delivered strategic insights via data and revenue trend analysis, enhancing decision-making and margin optimization.
• Drove operational excellence by developing SOPs, training staff, and streamlining handover processes.
• Recognized as MVP for outstanding contributions to process efficiency and reconciliation accuracy.

Apr 2022 – Mar 2023 · 11 mos · On-site

• Promoted for demonstrating operational excellence and ownership of critical business processes.
• Key Responsibilities:
• Managed reconciliation and settlement for major payment corridors (HDFC & Axis acquiring), handling high GMV volumes.
• Performed detailed GMV and revenue analysis to support business forecasting and quarterly reviews.
• Resolved complex merchant refund issues across UPI, cards, and wallet channels with precision.
• Streamlined the chargeback documentation process, liaising between merchants and financial institutions to ensure timely resolution.

Aug 2019 – Mar 2022 · 2 yrs 7 mos · On-site

• Joined Ezetap Mobile Solutions as Executive – Business Operations.
• Managed daily payment settlement and reconciliation for multiple instruments including cards (Visa, Mastercard, Rupay), UPI, SMS Pay, and e-wallets.
• Key Responsibilities:
• Processed refunds and ensured SLA-compliant accuracy and timeliness.
• Handled end-to-end chargebacks, from dispute intake to submission of evidence to issuing banks.
• Maintained detailed MIS and audit logs to highlight anomalies and support internal reviews.
• Acted as the primary escalation point for reconciliation issues, merchant payouts, and exception
• reporting.
• Gained deep insight into digital payments infrastructure, including fund flow mapping, transaction lifecycle, and partner integrations.