Sandeep Pawar
Operations
Thane
Summary
Total experience of 19 Years in Banking & Payment Services Industry.
12 Years’ in ATM/CRM Cash as well as Shared Network Card Transactions Reconciliation and Chargeback Management. 2 Years’ Experience in Fraud investigation of retail products at bank. 5 Years’ Experience in Card Operations and reconciliation at Fin tech.
Demonstrated management leadership ability with staff and budgets. Superior written, verbal, and interpersonal communication skills. Possess a strong resilient sense of confidence.
Overview
19
19
years of professional experience
2
2
years of post-secondary education
Work History
Director - Operations
VA Tech Pvt LTD (Happay- CRED)
7 2019 - Current
- Leading a team of 10 members doing reconciliation of Prepaid and Credit card transactions
- Managing 24*7 fraud risk monitoring process for Visa and Master card BINs
- Managing card transaction chargeback process of Visa/Master card network transactions as per regulatory guidelines
- Ensuring the closure of monthly cost and revenue invoices related to card transactions in coordination with bank
- Network cost optimization and Incentive/revenue analysis for prepaid/credit card transactions
- Process improvisation by identifying the scope for automation.
- Ensuring submission of regulatory (RBI/Credit Bureau/Network) reports
- New project implementation (like UPI/WTB) and revenue modeling with the help of the project/product team.
- Improved overall productivity with the introduction of innovative process improvement initiatives.
- Managed vendor relationships, negotiating contracts for maximum value and efficiency.
- Increased customer satisfaction by actively addressing concerns and ensuring timely resolutions.
Assistant Vice President
Hitachi Payments Pvt LTD
09.2015 - 06.2019
- ATM/CRM/Shared Network reconciliation and chargeback management for organization with the team of around 35 members
- Reconciliation and Settlement of around 15 (Public/Private/Cooperative) banks and chargeback management
- Periodic Customer meetings for reconciliation, settlement, and chargebacks related issues
- Monthly recovery of cash shortages from vendors as per SLA through billing
- System automation & enhancements to smooth line the reconciliation and chargeback management process
- End to end driving and implementation of new projects to ensure the client expectations.
Deputy Manager (Fraud Investigator-West)
Axis Bank Pvt Ltd
01.2014 - 09.2015
- Investigation of Retail Liability products i.e Card and ATM Fraud Cases with a help of video and other investigation parameters
- Investigation of Cheque, IMPS, Mobile Banking, NEFT Fraud Cases
- Submission of Reports basis investigation findings within stipulated TAT
- Police Complaint Lodgment and arrests of perpetrators involved in frauds basis POA granted by Bank.
- Managed to conclude around 7 cases resulting to arrest and recovery of funds around 10 Lacs
Manager
Prizm Payments Pvt. Ltd
05.2010 - 12.2013
- Four-way reconciliation of Axis Bank (Prizm managed) around 8400 ATMs on daily basis
- Axis bank ATMs Chargeback management through CCRS system
- Submission of ATM Balancing Report & Outstanding entries report on daily basis within agreed timelines
- Daily co-ordination with bank & resolution of queries within TAT.
Assistant Manager
IndusInd Bank Pvt. Ltd
04.2008 - 05.2010
- To ensure Reconciliation of NFS & VISA Network on daily basis through DCMS
- Daily co-ordination with the branches for resolution of around 120 chargebacks related to NFS and VISA Network within TAT
- To ensure Settlement accounting of NFS & VISA Network on daily basis.
Account Coordinator
Euronet Pvt. Ltd
07.2005 - 04.2008
- Cash net Network Settlement Process
- Preparation and submission of Cash net Settlement Reports on Daily for all 15 Cash net member Banks
- Raising charge backs, Debit & Credit Adjustments on the cash net Member Banks through DMS
- Preparation of Daily, Weekly and Monthly MIS
- ATM recon process
- 4-way Reconciliation of IDBI, ING, Corporation Bank ATMs within the cut off time through Recon and Electra software
- Co-coordinating with Banks & CIT agencies on recon related queries
- Resolution of Customer Chargebacks related to ATM withdrawals.
Education
Graduated in Commerce from Dahanukar College, Mumbai in March 2005 with 59% -
Adarsh Vidhyalaya
Mumbai 06.2003 - 06.2005
Skills
Familiar of working on :
Finacle – Core Banking Solution, CCRS,Talisma, Debit Card Reconciliation system (DCRS),MasterCard connect,Visa Online (VOL), DMS, BCS Rupay, Visa Edit Package
Others :
Business Analysis
Workforce Planning
Operational Excellence
Recruiting and Hiring
Effective relationship building
Technical Skills
Operating System- Windows 11
Application Package – MS Office Suite
Personal Information
- Hobbies : Running, Listening Music, Playing and watching cricket
- Strength: Team Management, Front End automations skills, Project Management
- Weaknesses : Emotional & Care too much, Headworker
Timeline
Assistant Vice President
Hitachi Payments Pvt LTD
09.2015 - 06.2019
Deputy Manager (Fraud Investigator-West)
Axis Bank Pvt Ltd
01.2014 - 09.2015
Manager
Prizm Payments Pvt. Ltd
05.2010 - 12.2013
Assistant Manager
IndusInd Bank Pvt. Ltd
04.2008 - 05.2010
Account Coordinator
Euronet Pvt. Ltd
07.2005 - 04.2008
Graduated in Commerce from Dahanukar College, Mumbai in March 2005 with 59% -
Adarsh Vidhyalaya
06.2003 - 06.2005
Director - Operations
VA Tech Pvt LTD (Happay- CRED)
7 2019 - Current
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