Vishal Sha₹ma

Operations Associate

Gurugram, Haryana, India7 yrs 9 mos experience
Most Likely To SwitchHighly Stable

Key Highlights

  • Over 7 years of experience in Fintech Operations.
  • Expert in merchant onboarding and compliance management.
  • Proven track record of enhancing operational efficiency.
Stackforce AI infers this person is a Fintech Operations Manager with expertise in merchant onboarding and compliance.

Contact

LinkedIn

Skills

Core Skills

Merchant OnboardingFintech OperationsRisk ManagementMerchant Acquisition

Other Skills

Risk ComplianceMerchant UnderwritingKYC VerificationAML MonitoringPayment GatewayBanking OperationsPayment AggregatorsChargeback ManagementRisk AssessmentEscalations ManagementMerchant CareManaging AssociatesManufacturing Process ImprovementCommunication TrainingProcess Design

About

As a Manager – Fintech Operations at Zaakpay (Mobikwik Systems Ltd.), I bring over 7 years of hands-on experience driving operational excellence, regulatory compliance, banking operations and seamless merchant onboarding journeys. I specialize in end-to-end onboarding of enterprise & SMB merchants, activation of payment products (UPI, Cards, Netbanking, Wallet, EMI, International, MCP, MCC, ENACH-SI, Affordability), commercial management, and process automation. Collaborating with cross-functional teams and key stakeholders – including banks and payment networks – I have consistently contributed to enhanced TATs, risk controls, and user satisfaction. My journey spans working with high-growth fintechs like Mobikwik, PayU, Worldline and HDFC, and I have grown from an analyst to a team leader and now a manager – thanks to a passion for simplifying operations, understanding regulations like RBI’s MD-KYC & PPI, and building scalable systems. 🔹 Core Skills: Merchant Onboarding | Fintech Ops | KYC & Compliance | Partner Collaboration | Commercial Structuring | Salesforce | Automation I’m always open to discussing how fintech can be made smarter and more agile. Let’s connect if you’re in the space of payments, operations, or digital transformation.

Experience

7 yrs 9 mos
Total Experience
1 yr 6 mos
Average Tenure
1 yr 8 mos
Current Experience

Zaakpay

2 roles

Manager

Apr 2025 – Present · 1 yr 1 mo · Gurugram, Haryana, India

  • Website verification’s automation through web crawling.
  • Revamped processes of merchant onboarding by reducing TAT of Onboarding and code procurement.
  • Handling banking operation queries and escalations, payment option activation, and commercial management.
  • Took charge of on-boarding merchants across diverse platforms and payment options while ensuring compliance parameters were met.
  • Worked to reduce the TAT for merchant onboarding.
  • Collaborated with internal departments such as legal, CSA, Business, Production, and Product teams.
  • Built strong relationships with key business partners including Banks, E-commerce Merchants, SMBs, and more.
  • Communicated with Banks to secure key procurements from banks and assess MDR feasibility.
Risk ComplianceMerchant UnderwritingKYC VerificationAML MonitoringPayment GatewayBanking Operations+4

Assistant Manager-Merchant Operations

Sep 2024 – Apr 2025 · 7 mos · Gurugram, Haryana, India

  • Website verification’s automation through web crawling.
  • Revamped processes of merchant onboarding by reducing TAT of Onboarding and code procurement.
  • Handling banking operation queries and escalations, payment option activation, and commercial management.
  • Took charge of on-boarding merchants across diverse platforms and payment options while ensuring compliance parameters were met.
  • Worked to reduce the TAT for merchant onboarding.
  • Collaborated with internal departments such as legal, CSA, Business, Production, and Product teams.
  • Built strong relationships with key business partners including Banks, E-commerce Merchants, SMBs, and more.
  • Communicated with Banks to secure key procurements from banks and assess MDR feasibility.
Risk ComplianceMerchant UnderwritingKYC VerificationAML MonitoringPayment GatewayBanking Operations+4

Mobikwik

Assistant Manager- Risk and Compliance

Aug 2023 – Sep 2024 · 1 yr 1 mo · Gurugram, Haryana, India · On-site

  • Website verification’s automation through web crawling.
  • Revamped processes of merchant onboarding by reducing TAT of Onboarding and code procurement.
  • Handling banking operation queries and escalations, payment option activation, and commercial management.
  • Took charge of on-boarding merchants across diverse platforms and payment options while ensuring compliance parameters were met.
  • Worked to reduce the TAT for merchant onboarding.
  • Collaborated with internal departments such as legal, CSA, Business, Production, and Product teams.
  • Built strong relationships with key business partners including Banks, E-commerce Merchants, SMBs, and more.
  • Communicated with Banks to secure key procurements from banks and assess MDR feasibility.
Risk AssessmentEscalations ManagementMerchant CareRisk ComplianceMerchant UnderwritingManaging Associates+14

Payu

2 roles

Analyst - Merchant Onboarding & Care

Feb 2021 – Aug 2023 · 2 yrs 6 mos · Gurugram, Haryana, India

  • Revamped processes and automated MIS reporting to enhance efficiency.
  • Handled banking relationship queries and escalations, payment option activation, and commercial management for PG and POS.
  • Took charge of on-boarding merchants across diverse platforms and payment options while ensuring compliance parameters were met.
  • Ensured adherence to TAT for all activities and provided prompt assistance to merchants facing issues.
  • Collaborated with internal departments such as Finance, CSA, Business, Production, and Product teams.
  • Built strong relationships with key business partners including Banks, E-commerce Merchants, SMBs, and more.
  • Communicated with Banking Ops team to secure key procurements from banks and assess MDR feasibility.
Risk ComplianceMerchant UnderwritingCommunicationSalesforce.comOperations ManagementKYC Verification+18

Intern

Jul 2020 – Feb 2021 · 7 mos · Gurugram, Haryana, India

  • Sourcing merchants for PayU Payments Pvt. Ltd. Through different online portals like LinkedIn, Google, etc.
  • Trying to convert them as a potential merchant through Online Meetings.
  • Getting their compliance with the Website and documents completed with the onboarding team and Risk team of PayU.
Risk ComplianceMerchant UnderwritingFocussedOperational ActivitiesKYC VerificationEvent Ticketing+10

Worldline global

Senior Sales Executive

Sep 2019 – Jun 2020 · 9 mos · Lucknow Area, India · On-site

  • Sourcing merchants and taking care of their requirements related to there PG and POS.
  • Preparing presentations for PNB, DCB, South Indian Bank, and Federal Bank for their merchants related to Payment Gateway and POS machines.
  • Collecting accurate documents for their onboarding as merchants on Worldline.
  • Aligning meetings with reseller and Bank source merchants and self-sourced as well.
Risk ComplianceMerchant UnderwritingMerchant AcquiringTrainingKYC VerificationEvent Ticketing+13

Hdfc bank

Sales Executive

Jul 2018 – Sep 2019 · 1 yr 2 mos · Lucknow, Uttar Pradesh, India · On-site

  • Sourcing merchants and taking care of their requirements from giving them presentations to Onboarding.
  • Preparing presentations for 50 different branches from different locations of UP allocated me of HDFC Bank’s merchants related to Payment Gateway and POS machines.
  • Collecting accurate documents for their onboarding as merchants on HDFC.
  • Aligning meetings with Bank source merchants and self-sourced merchants for different products of the Bank.
Branch BankingRisk ComplianceMerchant UnderwritingKYC VerificationAML MonitoringPayment Systems+13

Reliance capital | reliance group

Investment Analyst

May 2017 – Jul 2017 · 2 mos · Lucknow, Uttar Pradesh, India

  • Worked as a Customer service manager.
  • Analysis of Customer Satisfaction.
  • Project Title:- A Study of the Preference of Investors According to Their Different Class of Earnings.
Problem SolvingPayment GatewayCampaign Execution

Education

Veer Bahadur Singh Purvanchal University, Jaunpur

Master of Business Administration — Finance and Control

Jan 2016 – Jan 2018

Veer Bahadur Singh Purvanchal University, Jaunpur

Batchelor Of Commerce — Accounting and Finance

Jan 2013 – Jan 2016

Dr. Rizvi Learners' Academy

Inter

Jan 2012 – Jan 2013

Dr. Rizvi Learners Academy

High School

Jan 2009 – Jan 2011