SAGAR CHANDRAMANI KADAM
Mumbai
Summary
Results-driven operations associate with extensive experience at Tata Digital Pvt. Ltd., excelling in reconciliation and settlements. Proven track record in chargeback management and customer dispute resolution, leveraging strong analytical skills to enhance process efficiency. Adept at collaborating with cross-functional teams to resolve complex issues and ensure SLA adherence.
Overview
12
12
years of professional experience
1
1
Certification
Work History
Associate - Operations
Tata Digital Pvt. Ltd
Mumbai
12.2022 - Current
- Managed end-to-end reconciliation, settlements, refunds, and merchant payouts, ensuring accuracy and compliance across products.
- Led reconciliation for Tata Pay Later (BNPL), Digital Gold, and lending partners (Tata Capital, Money View, CASHe, DMI).
- Analyzed multi-source data to identify and resolve unmatched transactions, exceptions, and chargebacks, enhancing overall transaction integrity.
- Supported UAT/testing for new gateways and system enhancements, coordinating with product teams and vendors to ensure smooth implementations.
- Ensured SLA adherence, resolved merchant escalations, and handled monthly commission invoicing with Finance.
Assistant System Analyst
Cedge Technologies Pvt. Ltd
12.2020 - 10.2022
- Reconciled Nodal Account funds with partner banks, ensuring accuracy of refund claims.
- Verified transaction- and merchant-wise payout reports, preparing accurate settlement files for CMB team.
- Managed chargebacks, NEFT, AAT, and international transaction processing for merchant remittance.
- Resolved customer and merchant escalations by coordinating with support, tech, and banking teams to ensure timely solutions.
Technical Associate
Financial Software & Systems (P) Ltd.
01.2016 - 05.2020
- Handled customer disputes for Visa Interchanges.
- Processed Visa Money Transfers (VMT), chargebacks, pre-arbitrations, and customer dispute resolution.
- Managed debit/credit adjustments and representments via BASE24 & VROL; monitored ATM OFF-US cases.
- Downloaded and validated Visa issuing, acquiring, and M-Visa settlement files.
- Coordinated with banks and internal teams for good-faith adjustments and short-cash resolution.
Service Assistance
Hitachi Homes & Lite (India) Solution
05.2015 - 11.2015
- Handled product replacement.
- Maintained daily technician productivity report.
- Handled customer queries.
- Updated CRM.
Back-office Executive
Aditya Group
05.2014 - 04.2015
- Entered and maintained data in Excel to support accurate record-keeping.
- Addressed customer queries and facilitated life insurance sales.
- Coordinated customer meetings to discuss needs and provide tailored solutions.
- Followed up with customers and filed reports.
Education
Bachelor of Accounting and Finance -
Mumbai University
Mumbai01-2014
H.S.C -
MSBSHSE
01-2010
S.S.C -
MSBSHSE
01-2008
Skills
- Reconciliation
- Settlements
- Mis reporting
- Bank reconciliation
- ATM reconciliation
- Banking cards and loan operations
- MS Office Excel
- Credit cards
- Customer dispute resolution
- Chargeback management
- Aggregator business
Certification
Computer diploma and Tally ERP 9.0, certified in computer diploma and Tally ERP 9.0.
Languages
- English
- Marathi
- Hindi
Timeline
Associate - Operations
Tata Digital Pvt. Ltd
12.2022 - Current
Assistant System Analyst
Cedge Technologies Pvt. Ltd
12.2020 - 10.2022
Technical Associate
Financial Software & Systems (P) Ltd.
01.2016 - 05.2020
Service Assistance
Hitachi Homes & Lite (India) Solution
05.2015 - 11.2015
Back-office Executive
Aditya Group
05.2014 - 04.2015
Bachelor of Accounting and Finance -
Mumbai University
H.S.C -
MSBSHSE
S.S.C -
MSBSHSE