Karza, Idfy, Freshdesk, Slack, Cybersource
ARPITA SAHA
SENIOR EXECUTIVE, RISK AND OPERATION
Pune
Summary
Senior KYC Executive with 3+ years of progressive experience in Know Your Customer (KYC) compliance, operational excellence, banking operations, and global business operations. Demonstrated expertise in client relationship management, transaction monitoring, payment processing, and regulatory compliance across multiple jurisdictions. Skilled in analyzing corporate structures, assessing financial risk profiles, and implementing compliance frameworks to meet stringent regulatory requirements. Strong analytical capabilities and communication proficiency with proven track record managing large-scale client databases and adapting to evolving industry standards and compliance mandates.
Overview
5
5
years of professional experience
1
1
Certification
3
3
Languages
Work History
Senior Executive
Payglocal Technology
03.2025 - Current
- Successfully processed and completed KYC onboarding for 1000+ clients within a 12-month period
- Maintained detailed tracking system for KYC file status and customer records, adhering to regulatory timeframes
- Identified critical data anomalies and conducted root analysis to minimize processing error and improve data quality
- Spearheaded collaborative automation initiative with IT department to streamline KYC review processes, resulting in 50% reduced processing time
- Conducted VKYC procedures to deliver seamless client onboarding experience
- Executed entity-wise KYC setup and production configuration for PayGlocal’s partnership merchants
- Created Merchant IDs (MID) and Terminal IDs (TID) in cyber source payment processing system for multiple merchant account
- Configured risk management rules and webhook notification alerts to strengthen fraud detection in real time
- Performed comprehensive payment testing to verify TID configuration accuracy and payment integration success
- Designed and delivered structured training programs for interns on KYC procedures, compliance standards, and org best practices
Banking & Operations Analyst
Razorpay Software Private Limited
10.2023 - 02.2025
- Pricing & Revenue Management
- Verified & Loss statements, validating special pricing requests based on GMV and net bank cost sheets.
- Assessed Net Revenue (NR) impact and obtained approvals for loss-making scenarios.
- Served as primary POC for end-to-end pricing validation requests from internal stakeholders.
- Led a clean-up initiative to identify and disable inactive special pricing setups, resulting in NR savings.
- Contributed to Loss-Making Analysis and Process Excellence initiatives for Revenue Management.
- Quality Control
- Conducted routine merchant audits, including website checks, KYC validation, and business verification.
- Identified discrepancies, escalated risks, and collaborated with partner banks to improve onboarding quality.
Associate - Business Operations
TerraPay Solutions India Private Limited
12.2022 - 10.2023
- Managed real-time global payment transactions, primarily across the APAC region.
- Coordinated with cross-functional teams to resolve complex transaction issues and escalations.
- Supported partners with reversals, cancellations, and pending transaction clearances.
- Trained in corridor configuration, routing tables, and API-based transaction processing.
- Assisted with reconciliation, settlements, and fund control checks.
- Supported automation initiatives to reduce manual effort and improve efficiency
Business Development Associate
Urban Company (Contractual)
03.2022 - 08.2022
- Managed end-to-end onboarding of service professionals.
- Monitored and optimized key business metrics including NR, NS, FBC, and NPS.
- Drove operational excellence at city-level operations to support scalability.
Branch Relationship Officer
HDFC Bank Ltd
09.2021 - 10.2021
- Verified customer onboarding documentation and ensured compliance with banking standards.
- Built and maintained strong customer relationships to enhance satisfaction and retention.
- Identified customer needs and provided appropriate financial solutions.
- INTERNSHIP
Education
MBA -
Bengal Institute of Business Studies
Kolkata01-2022
B.Com - undefined
Calcutta University
01-2020
Skills
Experience in KYC processes under RBI guidelines
Experience with video KYC compliance
Merchant onboarding process
Production setup
Payment processing management
Revenue management and pricing assessment
Risk management rules
TID Procurement
Quality control evaluation
Escalation Management
Process Improvement & Automation
Escalation management
Detail-oriented analysis
Excel proficiency
Proficient in MS PowerPoint
Proficient in MS Word
Experience with Freshdesk
Outlook
Proficient in Slack
Payments Dashboards
Experience with Karza
Experience with IDFY
Cyber Source
Software
Certification
PGPFB (Post Graduation Program in Finance and Banking)
Timeline
Senior Executive
Payglocal Technology
03.2025 - Current
Banking & Operations Analyst
Razorpay Software Private Limited
10.2023 - 02.2025
Associate - Business Operations
TerraPay Solutions India Private Limited
12.2022 - 10.2023
Business Development Associate
Urban Company (Contractual)
03.2022 - 08.2022
Branch Relationship Officer
HDFC Bank Ltd
09.2021 - 10.2021
B.Com - undefined
Calcutta University
MBA -
Bengal Institute of Business Studies