Ankita Gajmal

Experienced Banking and FinTech Operations professional with over 6+ years of experience in payment operations, transaction reconciliation, banking operations, and financial services. Expertise in UPI reconciliation, NPCI settlements, payment gateway reconciliation, merchant settlements, RuPay and NCMC card operations, dispute management, and RBI reporting. Currently leading reconciliation operations as a Team Leader, handling payment transactions and ensuring operational accuracy, compliance, and timely settlement.

Strong analytical skills combined with extensive experience in banking systems, payment processing, reconciliation, audit support, and operational risk management.

Team Manager - PayPoint India Pvt. Ltd. - Mumbai, India

(2024-08)

Lead payment reconciliation and settlement operations across multiple digital payment products while managing day-to-day operational activities.

• Lead end-to-end UPI reconciliation and settlement processes.
• Resolve UPI disputes including Wrong Credit, Fraud Credit, RB08, DRC and RRC cases.
• Perform NPCI settlement reconciliation using CBS, NTSL and RAW transaction files.
• Monitor NPCI transaction processing and resolve operational exceptions.
• Manage reconciliation for: Payment Gateways (Razorpay, Cashfree, Juspay, PhonePe), Merchant Settlements, Escrow Accounts, RuPay Cards, NCMC Cards, AEPS, DMT, Digi Khata, Recharge & Travel Products, Credit & Debit Card Transactions
• Prepare RBI reporting and audit data.
• Analyze income, expenses and product profitability for B2B and B2C businesses.
• Process or write-up SOP for Robotic Automation

Senior Executive – Banking Operations - Airtel Payments Bank

(2023-03 - 2024-08)

Managed reconciliation operations for more than 200,000 UPI transactions per day.

• UPI inward and outward reconciliation.
• NPCI settlement processing.
• Merchant refund Reconcilation.
• Debit/Credit reversal approval.
• UPI dispute resolution.
• NEFT reconciliation.
• Manual refund processing.
• MIS reporting.

Senior Executive - AGS Transact Technologies Ltd. (Client: Central Bank of India)

(2021-01 - 2023-03)

Managed ATM switch reconciliation and dispute management for Central Bank of India.

• ATM reconciliation between Switch, Host and Interchange.
• Settlement voucher preparation.
• Journal Voucher (JV) preparation.
• General Ledger reconciliation.
• ATM dispute management.
• Electronic Journal (EJ) analysis.
• Transaction exception handling.
• Customer and banking escalations.
• Daily MIS reporting.

Accounts Executive - Clique Export Pvt. Ltd.

(2020-05 - 2020-10)

• Accounts payable and receivable
• Payroll processing
• Journal and Ledger maintenance
• GST support
• Financial reporting
• Bank reconciliation
• Invoice processing

Accounts & Administration Executive - Square Feet India Property Solution

(2015-06 - 2020-04)

• Accounting operations
• Vendor management
• Administration
• Payroll
• Journal and Ledger
• Tally accounting
• Documentation
• MIS reporting

PGDM (Finance) - Finance

Bachelor of Commerce - Commerce

Higher Secondary Certificate

Industrial Training Institute - IT & ESM - Industrial Training Institute

Secondary School Certificate