Payment Gateway, Product, Risk Mgmt & New Initiatives
Musafir.com
Total years of experience :9 years, 5 Months
➢ Organization: Musafir.com
Department: Payment Gateway, Product, Risk Mgmt & New Initiatives
Designation: Manager (reporting to the CEO)
Duration: April 2013 - Till Date
Payment Gateway - B2C, B2E & B2B
• Interact with various payment gateways for best solution.
• Review various aspects of Payment gateway like services, operations, etc.
• Drive & execute scope for Payment gateway implementation
• Coordinate with Technology team and execute successful PG integration.
• Continuously explore and add new payment options.
• PG Operations - reconciliation & settlement.
Product - B2C & B2E
• Create & execute scope for automation of B2E booking engine tool, Visa & Bus.
• Coordinate with Technology team and vendor, and execute above implementations.
Risk Management
• Interact with Technology team and implement in-house Risk management platform.
• Implement Risk management platform (ReD/Cybersource) for both UAE & IN.
• Regularly analyse rules & scores, hence optimize Risk management tool.
• Ensure 100 % quality for Risk Management department, hence secure user's information.
• Analyse trends of frauds in the online travel industry.
• First step resolution and End to end chargeback processing.
• Interact regularly with Legal authorities and banks for fraud prevention.
New Initiatives
• Explore and identify new opportunities which add value to the portal and services.
• Interact with and review various service providers and get with the best.
➢ Organization: Musafir.com
Department: Payment Gateway, Product, Risk Mgmt & New Initiatives
Designation: Manager (reporting to the CEO)
Duration: April 2013 - Till Date
Payment Gateway - B2C, B2E & B2B
• Interact with various payment gateways for best solution.
• Review various aspects of Payment gateway like services, operations, etc.
• Drive & execute scope for Payment gateway implementation
• Coordinate with Technology team and execute successful PG integration.
• Continuously explore and add new payment options.
• PG Operations - reconciliation & settlement.
Product - B2C & B2E
• Create & execute scope for automation of B2E booking engine tool, Visa & Bus.
• Coordinate with Technology team and vendor, and execute above implementations.
Risk Management
• Interact with Technology team and implement in-house Risk management platform.
• Implement Risk management platform (ReD/Cybersource) for both UAE & IN.
• Regularly analyse rules & scores, hence optimize Risk management tool.
• Ensure 100 % quality for Risk Management department, hence secure user's information.
• Analyse trends of frauds in the online travel industry.
• First step resolution and End to end chargeback processing.
• Interact regularly with Legal authorities and banks for fraud prevention.
New Initiatives
• Explore and identify new opportunities which add value to the portal and services.
• Interact with and review various service providers and get with the best.
➢ Organization: PayU India (Ibibo Web Pvt. Ltd.)
Department: PG Operations
Designation: Manager (reporting to Operations Head)
Duration: Nov 2012 - Apr 2013
• Daily Settlement Details: 100% adherence to provide daily settlement details on time.
• Process Documents: Standard Operating Procedure (SOP) for Recon and Settlement: ➢ Bank & Merchant Settlement, Refunds and Chargeback processing
• Automation & System Enhancement: ➢ Testing and System adoption
➢ Change in process to adopt PayU Panel for daily settlement process replacing manual work with appropriate control
• Banking Management: ➢ Establish Recon & Settlement for new banking relations
➢ Strong relation with Banks / Key Officers
➢ SLAs with banks on the settlement process
• Team Building and Training: ➢ To lead the team on process changes
➢ Resource utilization for timely completion of work
➢ Effective handling of absenteeism, delay in bank files etc and minimize the impact on daily process
➢ Organization: Snapdeal.com
Department: Payment Gateway & Risk Management
➢ Organization: Jet Airways
Department: Risk Mgmt & Payment Solutions, e-Commerce& Innovations
Designation: Senior Analyst
Duration: July 2007 - March 2012
Risk Management
• Ensuring 100 % quality for Risk management department for Jet Airways and Jetlite.
• Drive process updates and ensuring the same within the department.
• Preparation and reconciliation of weekly / monthly Chargeback reports.
• Providing effective feedback to risk management agents based upon their performance.
• Reconciliation of weekly / monthly Chargeback reports with banks.
• Preparation and reconciliation of monthly dashboard report.
• Implementing rules in decision manager tool for maximum potential fraud transactions.
• Interaction with Cybersource for development and enhancement in Decision Management tool.
• Interaction with payment gateway and Acquiring bank for implementation of RBI mandates.
• Interaction with TCES (Jet Airways) team in order to enhance system to get optimum potential fraud transactions.
• Interaction with card issuers and legal authorities in regards to fraudulent cases.
Payment solutions
• Responsible for alternate payment modes such as EMI, NB, Maestro and Cashcards.
• Provide feedback to management with analytical findings and possible promotional offers to enhance sale.
Failure Analysis
• Detailed analysis of failed transactions, and hence reduce failures.
• Report error reasons and responses to the payment gateway and resolve the same.
Monthly Newsletter
• Responsible to publish monthlynewsletter, that takesentire Jet Airways network through the recent updates with e-Commerce & Innovations department.
➢ Organization: WNS Global Services
Process: Travelocity.Com
Department: Revenue Protection Department, Finance & Accounting
Designation: Quality Assurance Executive, reporting to VP Finance.
Duration: April 2005 - July 2007
• Ensuring 100 % quality for Revenue protection Department.
• Drive process updates and ensuring the same within the department.
• Preparation and reconciliation of weekly / monthly reports (QA) for agents' incentive.
• Providing effective feedback to agents based upon their performance.
• Preparation and reconciliation of daily / weekly / monthly reports (SLA / Fraud prevention) with client.
• Reconciliation of Debit-memo and charge-back reports with client on monthly basis, as received from airlines and banks.
➢ Organization: Musafir.com
Department: Payment Gateway, Product, Risk Mgmt & New Initiatives
Designation: Manager (reporting to the CEO)
Duration: April 2013 - Till Date
Payment Gateway - B2C, B2E & B2B
• Interact with various payment gateways for best solution.
• Review various aspects of Payment gateway like services, operations, etc.
• Drive & execute scope for Payment gateway implementation
• Coordinate with Technology team and execute successful PG integration.
• Continuously explore and add new payment options.
• PG Operations - reconciliation & settlement.
Product - B2C & B2E
• Create & execute scope for automation of B2E booking engine tool, Visa & Bus.
• Coordinate with Technology team and vendor, and execute above implementations.
Risk Management
• Interact with Technology team and implement in-house Risk management platform.
• Implement Risk management platform (ReD/Cybersource) for both UAE & IN.
• Regularly analyse rules & scores, hence optimize Risk management tool.
• Ensure 100 % quality for Risk Management department, hence secure user's information.
• Analyse trends of frauds in the online travel industry.
• First step resolution and End to end chargeback processing.
• Interact regularly with Legal authorities and banks for fraud prevention.
New Initiatives
• Explore and identify new opportunities which add value to the portal and services.
• Interact with and review various service providers and get with the best.
➢ Organization: PayU India (Ibibo Web Pvt. Ltd.)
Department: PG Operations
Designation: Manager (reporting to Operations Head)
Duration: Nov 2012 - Apr 2013
• Daily Settlement Details: 100% adherence to provide daily settlement details on time.
• Process Documents: Standard Operating Procedure (SOP) for Recon and Settlement: ➢ Bank & Merchant Settlement, Refunds and Chargeback processing
• Automation & System Enhancement: ➢ Testing and System adoption
➢ Change in process to adopt PayU Panel for daily settlement process replacing manual work with appropriate control
• Banking Management: ➢ Establish Recon & Settlement for new banking relations
➢ Strong relation with Banks / Key Officers
➢ SLAs with banks on the settlement process
• Team Building and Training: ➢ To lead the team on process changes
➢ Resource utilization for timely completion of work
➢ Effective handling of absenteeism, delay in bank files etc and minimize the impact on daily process
Designation: Assistant Manager
Duration: April 2012 - November 2012
Job Profile
Risk Management
• Implemented in-house Fraud mitigation tool (FARMS) with Tech team.
• Handling the 4 member Risk Management, Chargeback & Payment Gateway team.
• Identify new trends of frauds happening in the online retail industry.
• First step resolution and End to end chargeback processing.
• Regular interaction with Legal authorities and banks in order to combat fraud.
• Managing Risk on promotional activities (SD Cash) as well
Payment Gateway & Solutions
• Interact with the product team to implements new payment process and methods.
• Analyze different PG performances and recommend product team for a switch in the same.
• Detailed analysis of PG performance and operations.
• Provide feedback to management with analytical findings and possible promotional offers to enhance sale.
• TDR Negotiations with PGs.
Updates, Escalations& Presentations - Finance
• Responsible of organizing weekly / monthly updates presentations within and above vertical level.