SIMRAN SIDDHIKA
Delhi
Summary
Motivational leader and organizational problem-solver with advanced supervisory, team building and customer service skills. Experience stepping into roles and quickly making positive changes to drive company success. Focused on using training, monitoring and morale-building techniques to maximize employee engagement and performance.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Associate- Banking Operations
Instantpay
02.2023 - 10.2024
- Interacted with Business Correspondents to resolve user/merchant queries related to Domestic Money Transfer (IMPS/NEFT/RTGS/UPI).
Handled interbank cases involving high-value and fraudulent transactions; took corrective actions post-investigation.
Conducted enhanced KYC and step-up authentication for users initiating high-value or anomalous transactions.
Implemented user notification systems (email/SMS) to confirm transaction legitimacy and reduce unauthorized activity.
Integrated fraud detection systems and rule-based engines to evaluate and flag suspicious high-value transactions.
Built and maintained a risk-scoring engine using parameters like IP geolocation, device ID, transaction velocity, and historical behavior.
Monitored transactions/accounts to identify and act on suspected errors or fraudulent patterns.
Coordinated with tech/legal/finance teams to resolve operational and compliance-related queries.
Managed vendor performance and ensured SLA adherence.
Handled queries across product lines—Gift Card, Expense Card, MATM, DMT, NMT, CMS, Credit Card, Loan, Payout, AEPS, Gift Vouchers, etc.
Ensured detailed logging and accurate root-cause analysis of escalations and operational issues.
Risk Management- Quality & Backend Executive
BharatPe
09.2021 - 01.2022
- Handled Chargeback process (Review, Analyze and resolve Customer disputes).
- Ensured that all Chargeback activities were handled in accordance to statutory Requirements.
- Handled 7-8Cr volume(Monthly) of suspicious transactions post Investigation resolved the query with final remarks about the nature of transactions.
- Investigate Suspicious transactions raised by banks and internal fraud/Data science team.
- Plan and conduct internal quality audits.
- Take appropriate corrective actions on identified problems.
- Updated MCC (Merchant Category Code) Business Category after investigation.
- Monitor Invoice audits to ensure all loads are released with correct customer information.
- Solved day to day dispute cases and escalation.
Intern
Sss Consultancy
11.2020 - 08.2021
Business Development Intern
Mekvahan (Udyamat Ma Viramasva Private Limited)
01.2020 - 01.2020
Education
BBA - General
Guru Gobind Singh Indraprastha University
06-2021
Skills
- Microsoft Office
- Call Handling
- Management
- Customer Analysis
- Risk Management
- Presentation
- Relationship Building
- Sales monitoring
- Employee Performance Evaluations
- Operations Management
- Customer Relations
- Retail Operations
Certification
Certification of Appreciation for outstanding performance during the Q1 of FY 2023-2024
Personal Information
Date of Birth: 01/01/01
Languages
- English
- Hindi
Internship
- Mekvahan (Udyamat Ma Viramasva Private Limited), Business Development, 06/01/20, 10/01/20
- Sss Consultancy, 11/15/20, 08/15/21
Accomplishments
- Certification of Appreciation for outstanding performance during the Q1 of FY 2023-2024
Languages
English
First Language
Hindi
Advanced (C1)
C1
Timeline
Associate- Banking Operations
Instantpay
02.2023 - 10.2024
Risk Management- Quality & Backend Executive
BharatPe
09.2021 - 01.2022
Intern
Sss Consultancy
11.2020 - 08.2021
Business Development Intern
Mekvahan (Udyamat Ma Viramasva Private Limited)
01.2020 - 01.2020
BBA - General
Guru Gobind Singh Indraprastha University
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