LOKESHKUMAR V.S

Chargeback & Dispute Handling

• Led end-to-end chargeback lifecycle from dispute receipt to representment within card scheme timelines.
• Negotiated and defended high-value disputes, reducing financial losses by 90% YoY.
• Developed SOPs to streamline dispute documentation and reduce response TAT by 100%.

Reconciliation & Settlement

• Managed daily reconciliation of Same day/T+1 settlements across multiple banks and payment networks.
• Identified mismatches and coordinated with banks/networks to resolve settlement variances.
• Implemented automated reconciliation tools, improving accuracy and reducing manual errors by 80%.

Merchant Onboarding & Compliance

• Oversaw KYC, due diligence, and risk profiling for 1000+ merchants annually.
• Ensured compliance with regulatory guidelines (RBI/NPCI) and mitigated onboarding risks.
• Partnered with Sales and Risk teams to reduce merchant onboarding TAT by 100%.

Leadership & Reporting

• Managed a team of 20+ analysts handling chargeback, reconciliation, and onboarding functions.
• Designed MIS dashboards for senior management on disputes, settlement trends, and risk metrics.
• Conducted training sessions on dispute management and regulatory updates

• Managed end-to-end reconciliation processes for acquiring, ensuring accuracy across multiple payment channels and systems.
• Managed daily reconciliation of interchange settlements across card networks (Visa, Mastercard, RuPay, Amex), ensuring accuracy of fee calculations and settlement postings.
• Oversaw merchant settlement reconciliation, validating payouts, MDR, TDR, and transaction adjustments.
• Directed chargeback operations, defending disputes within card scheme timelines and reducing financial exposure.
• Streamlined reconciliation workflow, achieving 90% reduction in operational errors and improving settlement turnaround time.
• Implemented robust risk assessment controls to identify anomalies, fraudulent patterns, and operational gaps.
• Coordinated with card networks, banks, and merchants to resolve interchange and chargeback disputes effectively.
• Led a team of analysts, ensuring SLA adherence and timely closure of dispute cases.
• Partnered with technology teams to drive automation in reconciliation and reporting, reducing manual dependency.

• Managed end-to-end chargeback operations, ensuring all disputes were defended within scheme timelines and reducing financial liability to the company.
• Implemented risk assessment frameworks to detect fraudulent patterns and strengthen merchant monitoring.
• Led a team of analysts, assigning and tracking disputes to ensure SLA adherence and timely closure.
• Coordinated with merchants to collect supporting documentation and processed representments via card scheme portals.
• Successfully reduced chargeback ratio by 90% through process improvement and merchant education.
• Developed MIS and dashboard reports for senior management, providing visibility into dispute trends, merchant risks, and financial exposure.
• Conducted root-cause analysis of recurring disputes and recommended process/merchant-level corrective actions.

• Supervise a team of chargeback analysts, allocating disputes and monitoring closure within scheme timelines.
• Handle escalated chargeback cases, ensuring accurate documentation and effective representment.
• Conduct weekly review meetings with the team to track dispute status, SLA compliance, and case success ratios.
• Maintain strong coordination with merchants, issuers, and acquirers to collect evidence and defend disputes.
• Prepared and presented MIS and trend analysis reports for senior management, highlighting chargeback trends, financial exposure, and merchant-level risks.
• Trained new team members on chargeback lifecycle, scheme rules, and documentation best practices.

• Upon receiving incoming dispute files from the issuer bank, notify the merchant via email.
• Collect necessary documents from the merchant and process the re-presentment through the card scheme portal.
• Pre-arb response – Once collect the documents from merchant we will initiate dispute response through card scheme portal.

• Acquiring visa and Master card retrieval request, chargeback and pre-arbitration cases processing.
• Checking the incoming and outgoing files to Reconciliation of chargeback debits and credits.
• Initiating the merchant debit advice letters.