Kalpesh Patne

Results-oriented professional with over 7 years of experience in Service Delivery, Payment Operations, Reconciliation, Merchant Settlements, Chargeback Management, and Process Automation. Strong analytical and problem-solving abilities with expertise in handling high-volume financial transactions, resolving discrepancies, and ensuring operational accuracy. Excellent communication and stakeholder management skills with a proven ability to collaborate effectively with banks, merchants, payment gateways, and internal teams.

Committed to continuous learning, process improvement, and delivering exceptional business outcomes.

Senior Executive - Online Payments - Worldline E-Payment India Pvt. Ltd.

(2019-06)

Department: Service Delivery - Operations

• Perform daily reconciliation of cards, wallets, and payment gateway transactions and investigate financial discrepancies.
• Coordinate with internal teams, banks, merchants, and external stakeholders to resolve payment-related issues.
• Prepare daily MIS reports for receivables from Payment Gateway banks and monitor settlement credits.
• Follow up with banks regarding settlement discrepancies and ensure timely resolution.
• Manage daily merchant settlement processes and validate payment release transactions through settlement dashboards.
• Reconcile merchant settlements against nodal account statements and inflow reports to ensure payment accuracy.
• Verify payment releases for over 1.5 million transactions with settlement volumes exceeding ₹350 Crores.
• Identify and investigate wrong payments, hold payments, unreleased settlements, and other settlement exceptions.
• Prepare payment tracking files and perform reconciliation with bank merge files to identify payment-credit mismatch cases.
• Detect duplicate payment releases and coordinate recovery actions within defined turnaround times.
• Reconcile RBI Escrow Accounts and Nodal Accounts by ensuring daily credit and debit entries are accurately knocked off.
• Publish periodic reconciliation and settlement reports for management review.
• Collaborate with reconciliation and technology teams for reporting enhancements and operational improvements.
• Manage merchant onboarding activities through the OMAF application and coordinate with banks for onboarding-related queries.
• Manage end-to-end chargeback reconciliation and dispute resolution processes across multiple card networks and payment channels.
• Validate chargeback transactions using merchant records, settlement reports, transaction details, and supporting documents.
• Coordinate with acquiring banks, payment gateways, merchants, and internal teams for dispute resolution within TAT.
• Monitor and track chargeback cases throughout the dispute lifecycle from initiation to final closure.
• Reconcile chargeback, representment, reversal, and recovery transactions to ensure financial accuracy.
• Prepare chargeback MIS, exception reports, aging reports, and operational dashboards for management.
• Analyze chargeback trends and identify recurring issues to reduce financial risk and revenue leakage.
• Ensure adherence to card scheme regulations, dispute guidelines, and operational compliance requirements.
• Partner with technology and reconciliation teams to enhance chargeback workflows and reporting mechanisms.
• Support and implement Chargeback Automation initiatives, significantly reducing manual effort and improving process accuracy and efficiency.

Executive - Servolution Systems Pvt. Ltd.

(2018-04 - 2019-05)

Department: ATM Service Representative

• Managed ATM First Level Maintenance (FLM) operations across India, ensuring timely resolution of service requests and operational issues.
• Coordinated ATM takeover and handover activities while maintaining compliance with operational procedures and client requirements.
• Handled escalation calls from ATM vendors, clients, and banking partners, ensuring prompt resolution within defined turnaround times (TAT).
• Maintained daily attendance and work-tracking records of field employees using Excel-based monitoring tools.
• Uploaded and monitored ATM service call data on the operational portal to track daily targets and service completion status.
• Coordinated with ATM custodians and designated SPOCs to ensure timely task completion and minimize client and bank escalations.
• Monitored service request closures, tracked pending cases, and followed up with stakeholders to improve operational efficiency.
• Generated and maintained operational MIS reports to support performance tracking and management review.

Bachelor of Computer Applications - Computer Applications - Pune University (2017)

Higher Secondary Certificate - Science - Mumbai Board (2013)

Secondary School Certificate - Mumbai Board (2011)