Kiran Karamari

Operations Associate

Bengaluru, Karnataka, India6 yrs 11 mos experience

AI EnabledAI ML Practitioner

Key Highlights

Over 5 years of experience in Fintech operations.
Expert in payments ecosystem and data analytics.
Proven track record in driving operational efficiency.

Stackforce AI infers this person is a Fintech Operations Manager with strong analytical and process optimization skills.

Contact

kdkiran15@gmail.com LinkedIn

Skills

Core Skills

Payments OperationsData AnalyticsData AnalysisTransaction OptimizationProcess OptimizationProject Management

Other Skills

Anti-Money LaunderingRisk AnalyticsAPI TestingProduct AnalyticsData ReconciliationPayment Card ProcessingBanking OperationsSQLReportingPredictive AnalyticsBusiness AnalyticsOrganization SkillsMarket ResearchSWIFT PaymentsSingle Euro Payments Area (SEPA)

About

Business Operations Manager with 5+ years of experience in Operations, Data and Business Analysis in the Fintech industry. Strong expertise in payments eco-system, data analytics, and process optimization, with a Bachelor’s degree in Engineering. Skilled in SQL, Excel, PowerBI and Tableau, with a track record of driving operational efficiency, solving problems and business growth.

Experience

6 yrs 11 mos

Total Experience

1 yr 11 mos

Average Tenure

1 yr 1 mo

Current Experience

Juspay

Business Operations Manager

Apr 2025 – Present · 1 yr 1 mo · Bengaluru, Karnataka, India · On-site

1. Managing end-to-end payment operations by collaborating with banks, payment gateways and merchants. Carrying out product operations including merchant onboarding and integration. Acquired expertise in Juspay’s product suite, conducting API testing and effectively pitching product capabilities to merchants.
2. Driving product analytics: Conducted error-code analysis and gateway performance analysis across various gateways and acquiring banks, improving latency, reducing retries, and boosting SR. Designed FRM rules, implemented risk alerting logic, and identified critical issues driving key product fixes.
3. Led cross-functional improvements: standardization and upgradation of internal dashboards, implemented automated merchant report scheduling. Designing table schemas, writing logic for key analytics metrics.
4. Reconciliation of transactions - ensuring data accuracy between Juspay systems and bank statements.

Anti-Money LaunderingRisk AnalyticsPayments OperationsData Analytics

Paytm

Senior Analyst - Payments

Jun 2023 – Mar 2025 · 1 yr 9 mos · Noida, Uttar Pradesh, India · Remote

1. Analyzing transaction data across multiple payment gateways, acquirers, issuers, and card networks to optimize transaction success rates and payment performance.
2. Developed automated sheets and SQL queries for real-time tracking, improving transaction monitoring efficiency and led end-to-end implementation of UPI migration, ensuring seamless transition with minimal disruption. Collaborated with NPCI, banks, and network POCs to address payment processing issues.
3. Generating and presenting comprehensive reports of the entire PG eco-system to senior management & stakeholders that provide insights into payment performance, success rates, and potential areas for improvement.
4. Provided data-driven insights to Merchants, Business and Product teams to support decision-making processes and to maximize merchant transaction success rates.

Payment Card ProcessingBanking OperationsData AnalysisTransaction Optimization

Velvin group

Business Analyst

Nov 2020 – Oct 2022 · 1 yr 11 mos · Goa, India · On-site

1. Evaluating working procedures, uncovering areas for improvement, automating tasks, implementing solutions to improve manufacturing processes.
2. Developing standardized reports and dashboards for sales and company's expenditures by extracting and analyzing available data sets from Fynsys and spread sheets and help build KPI’s. Used predictive analytics to forecast demand for raw materials and orders, overlooking company's supply chain, resulting in reduction in inventory carrying costs.
3. Familiar working with ERP systems, Used SQL to query data warehouse and extract data for analysis, conducted SWOT analysis processes, collaborated with stakeholders in requirement gathering and created SOPs and enabling data-driven decision-making for improved financial performance.
4. Coordinated with stakeholders and developers to design a Logistics management software for the company's logistic division, resulting in a 20% increase in logistics efficiency and a 15% reduction in transportation costs.

Prn infratech

Junior Engineer

Aug 2018 – Oct 2020 · 2 yrs 2 mos · On-site

Generated leads for new projects through market research, tender negotiations, technical assessment of sub-contractors, and project documentation, utilizing data analysis to evaluate their capabilities.
Worked out rate analysis for various items involved in quotations and conducted material availability research through site visits and supplier outreach.
Monitored project budgets and tracked progress, analyzing data to identify areas of overspending and opportunities for cost savings, while acting as a liaison between the site office and head office.
Engaged at all levels within the business domain and prioritized and met deadlines.

Business AnalyticsOrganization SkillsProject ManagementData Analysis