Nischay Yadav

• Managed a team of 6 in house employees along with 21 outsourced team members(One Point One Solutions).
• Streamlined the operations with our third party vendor chargebacks team to ensure the financial losses are minimized to less than 1%.
• Successfully recovered over INR 2.5 Cr per month in disputed transactions through meticulous investigation and contacting merchants(B2B) via phone, email, and mail to resolve overdue accounts improving recovery rates.
• Collaborated with Third party debt recovery agency like Kenstone in recovering the losses incurred as a result of chargebacks from delinquent merchants.
• Connecting with legal team in sending legal drafts to delinquent merchants.
• Bank Recoveries: Successfully recovered over INR 40 Lacs month on month due to invalid debits posted by the banks for chargeback/Dispute cases.Henceforth ensuring invalid bank debits are kept at NIL.

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• Team Leadership: Oversaw a team of 24 employees and across 2 teams namely Chargebacks and Recoveries.Constituted a new three-person recovery team to reclaim any losses incurred as a result of chargebacks.
• Maintaining 100% compliance with PCI-DSS and card network rules.Manage departmental/Vendor(One point One Solutions/Astute/Kenstone) costs effectively and reducing the chargeback loss by 6Cr per quater.
• Efficiently recovered Approx INR 50 lacs from Delinquent merchants for the quarter in the Merchant recovery pilot batch .

• Team Leadership Handling a team of 20 members. Successfully taking up project to curb the fraud and misuse happening in the business
• Efficient Operations Oversight:Brought down overall Pan India fraud percentage from 5% to below 1%. Helped the company in saving a total of 20,00,000/- per month due to reduction in fraud percent.Monitor and analyze financial transactions to identify potential fraud.
• Collaborating with the Analyst to understand the dynamic pattern/trend in frauds. Creating rules and instructions for automation/bot to curb frauds
• Performance Metrics and Targets:Main performance indicators, such as FRT and RT, were monitored and enhanced. Additionally, targets for schedule compliance, quality, attendance, attrition, and shrinkage were held accountable for, ultimately leading to operational excellence.

• Managed a portfolio of 200 plus accounts valued at over USD 3 Million in outstanding receivables per quarter, consistently exceeding collection targets by 20%
• Contacted customers,Resellers,Merchants via phone, email, and mail to negotiate payment plans and resolve overdue accounts, resulting in 70% recovery rate.
• Collaborated cross-functionally with sales and customer service teams to address billing discrepancies and accelerate payment resolution.
• Escalated severe delinquency cases to senior management or third-party collection agencies(Lam,Lyn & Phillip PC) when necessary, overseeing the full debt recovery lifecycle.
• Prepared and presented weekly/monthly aging reports, collection forecasts, and bad debt provision analyses to management.

• Review and process medical claims for accuracy and completenessVerify patient insurance coverage and eligibility
• Follow up with insurance companies and patients to ensure timely payment of claims. Resolve billing discrepancies and denials
• Work with medical providers to ensure accurate and complete documentation of services provided. Maintain accurate records of all billing activities