Download PDF

Work experience

Jan 2015Present


Transerv Pvt. Ltd.


  • Responsible for managing the entire process of Merchant on-boarding, risk assessment and review of process.
  • Developing, modifying and maintaining the operational guidelines and design effectiveness of internal control
  • Handling key customer complaints/chargeback and to ensure closure within TAT.
  • Monitoring and analyzing transactions, carrying our merchant audit to check for the active/inactive merchants and ability to detect emerging fraud trend.
  • Review of velocity rules on periodic basis with the help of transaction monitoring and mitigate operational risk.
  • Handling overall relationship with bank by managing ESCROW, settlements, recon, audit and maintaining compliance
  • Design requirement for risk assessment, transaction monitoring, Settlement, regulatory reporting and automation.
  • Responsible for all inter-bank fund movement, authorization and reconciliation of accounts daily and ensure compliance related to Merchant Business.
2008Dec 2014


eSSecom Pvt. Ltd

Manage the analysis and testing of new business or tool launches(UAT) Lead cross functional systems and process improvement initiatives


  • Management of complete Payment Gateway Operations Merchant onboarding
  • Ensuring that all KYC documents are collected Manual verification of KYC documents submitted by the merchant
  • Visit to Merchant establishment
  • Obtaining approvals from partner banks and uploading merchant information in Database Risk Management
  • Verifying if the merchant falls in the high risk category by checking goods and services the merchant portal intends to sell online
  • Checking blogs and customer grievances posted online Monitoring transactions and analyzing the RTS(refunds to sales ratio) on a periodic basis
  • Carrying our merchant audit to check for the active/inactive merchants on a quarterly basis to identify new and emerging fraud trend Setting up velocity rules in the system based on the category of the merchants
  • Follow a Release on delivery policy to ensure buyer protection
  • Deposits from merchants to cover chargeback/refunds and periodic review of the same.
  • Establish good rapport with customers to ensure that customers do not approach the bank for dispute resolutions
  • Speedy resolution of all disputes Final approving authority for reconciliation and Settlement to partner merchants
  • Co-ordination with partner banks and maintenance of banking relationship
  • Co-ordination with partner merchants and maintenance of merchant relationship
  • Co-ordination with Bank Correspondent and CSPs of the Financial inclusion project Provide support to CSPs at field level
  • Single point of contact for all technical integration
  • Single point of contact for internal network security audit
  • Highest level Escalation for customer support
  • Responsible for timely processing of data received from various billing entities
  • Responding to online and offline queries in co-ordination with Technical and Marketing Teams


  • Conception, Management and successful Implementation of Financial Inclusion Project for a public sector bank in 15 villages of Madhya Pradesh and Maharashtra.
  • Management, planning and successful demonstration of the project-“ Interoperability of Financial Inclusion System(IFIS)” to the Department of Financial Services, MOF, New Delhi
  • Successful implementation of pilot project for BWSSB-Payment of Water Bill by sending payment request as an SMS
  • Successful implementation of payment through IVRS for one of the leading Travel aggregators.
  • Management and Implementation of payment services through Net Banking and Credit/Debit Cards
  • Management and Implementation of payments services for a leading aggregator
  • Complete management of the annual PCIDSS audit.


Bethnay High School & Junior college



Manager-Operations and Administration

Monocarb Private Limited


  • Coordination with distributors/retailers/manufacturers
  • Responsible for timely processing of data received from various billing entities
  • Responsible for billing to various entities

Systems Analyst and Programmer

Computrek Services Pvt. Ltd.

Applications Developed Independently:

  • Enquiry Management
  • Order Management
  • Financial Accounting Payroll

Programmer & Statistical Analyst

Institute for Research in Reporduction

Application Developed:

  • Payroll
  • Statistical Analysis