Aamir Khan
Summary
Highly motivated team leader – operations with 8+ years of experience in payment gateway and PSP operations, overseeing end-to-end payment processing, settlements, reconciliations, chargebacks, and merchant support. Expertise in PCI-DSS, AML/KYC compliance, risk controls, and audit readiness, ensuring SLA adherence, and operational accuracy. Skilled in leading teams, collaborating with banks and merchants, and delivering MIS and performance reports to senior management.
Overview
8
8
years of professional experience
2
2
Certifications
Work History
Team Lead Operations(FinTech)
JCFLASH TECHNOLOGIES PVT. LTD.
Bengaluru
06.2020 - 08.2025
- Led a 25-member operations team overseeing end-to-end payment gateway processes, including customer and NBFC onboarding, as well as KYC/AML compliance.
- Maintained 100% adherence to SLAs and KPIs through robust operational governance, quality control, and alignment with regulatory requirements.
- Drove process optimization and automation initiatives to reduce manual workload, improve turnaround time, and enhance accuracy across key operational activities.
- Collaborated with Compliance, Risk, Product, and Technology teams to address and resolve issues related to transactions, onboarding, settlements, and escalations.
- Prepared and delivered MIS reports, performance dashboards, and management presentations for senior leadership to support data-driven decision-making.
- Oversee onboarding and ongoing due diligence for merchants, partners, and financial institutions.
- Coordinate incident management, including root cause analysis, and communication with internal and external stakeholders.
Reconciliation Specialist(FinTech)
JCFLASH TECHNOLOGIES PVT. LTD.
Bengaluru
03.2019 - 06.2020
- Executed daily reconciliations across banks, payment gateways, nodal accounts, and ERP systems, ensuring accuracy, completeness, and integrity of transaction data.
- Investigated and resolved reconciliation breaks and discrepancies, coordinating with banking partners to reduce settlement delays, and mitigate financial risk.
- Monitored nodal account health, including fund positions, aging analysis, and timely fund movements in line with defined SLAs.
- Ensured accurate processing of settlements, refunds, fund transfers, and commission charges in accordance with agreed commercial terms with banks and partners.
- Delivered month-end financial close activities, including accounts receivable reporting, cost reporting, and gross margin analysis for management review.
Reconciliation Analyst- Finance and Accounting
Arctern- A VOLT Information Sciences
Bengaluru
04.2017 - 02.2019
- Managed end-to-end vendor financial operations, including AR, AP, GL, and intercompany reconciliations, resolving discrepancies in POs, rates, taxes, and billing, while coordinating with vendors, customers, and internal stakeholders.
- Prepared and presented MIS dashboards, aging reports, and reconciliation statements, leading weekly recovery plans to reduce overdue balances, and improve cash flow and vendor relationships.
- Served as the primary escalation point for queries and issues, supporting month-end, year-end close, audits, and process improvement initiatives to enhance operational efficiency and compliance.
Education
MBA - Finance
University of Bangalore
Bengaluru 07-2015
Bachelor of Commerce - Accounting
Lucknow University
Lucknow06-2012
Skills
- Payment processing
- KYC/AML compliance
- Data analysis
- Incident management
- Process optimization
- Payment gateway operations
- FinTech, banking, and payments operations
- Team leadership
- Verbal and written communication
- Internal controls and operational risk
- Reconciliations (AR, AP, GL, intercompany)
- Settlements, chargebacks, and disputes
- Audit support and SLA management
- ERP: Oracle, Tally
- MS Excel (advanced)
- MIS & dashboards
- Payment systems
- Process automation
- Value added tax
Languages
English
Upper Intermediate (B2)
B2
Hindi
Native
Native
Certification
7- Days Power BI Micro Course
Accomplishments
Got 3 VIP Recognition for Best Employee of the Quarter Award in year 2019, 2020 and 2021
Availability
Immediate / 30 Days
Timeline
Team Lead Operations(FinTech)
JCFLASH TECHNOLOGIES PVT. LTD.
06.2020 - 08.2025
Reconciliation Specialist(FinTech)
JCFLASH TECHNOLOGIES PVT. LTD.
03.2019 - 06.2020
Reconciliation Analyst- Finance and Accounting
Arctern- A VOLT Information Sciences
04.2017 - 02.2019
MBA - Finance
University of Bangalore
Bachelor of Commerce - Accounting
Lucknow University