Kotheeswini K.c

Detail-oriented Chargeback Analyst with over 3 years of experience in fintech, driving measurable results in dispute management, fraud prevention, and revenue recovery. Expertise in end-to-end chargeback lifecycle, including Visa and Mastercard reason codes (12.x, 13.x), representment, pre-arbitration, and arbitration. Successfully reduced repeat disputes by 15% through data-driven root cause analysis and process optimization.

Skilled in transaction monitoring, PCI-DSS compliance, and identifying fraud trends to improve win rates. Strong collaborator with risk, operations, and customer support teams to enhance dispute outcomes and operational efficiency.

Chargeback Analyst at Chargeback Gurus Fintech Private Limited (2026-01 – Present)

• Investigate and resolve 80+ daily chargeback cases with high accuracy and compliance.
• Analyze transaction data to identify patterns, contributing to ~15% reduction in repeat disputes.
• Improve dispute resolution efficiency by streamlining case workflows and documentation quality.
• Strengthen fraud detection by identifying high-risk transaction behaviors and anomalies.
• Ensure 100% compliance with Visa and Mastercard dispute regulations.

Process Associate at Chargeback Gurus Fintech Private (2025-07 – 2025-12)

• Managed end-to-end lifecycle of 70–100 chargeback cases daily, maintaining SLA compliance.
• Improved revenue recovery rates by ~10–15% through strong evidence submission.
• Reduced case processing delays by collaborating across teams and improving coordination.
• Maintained >95% accuracy rate in case handling and documentation.
• Awarded "Extra Miler" for exceeding performance expectations.

Associate at Chargeback Gurus Fintech Private Limited (2023-07 – 2025-06)

• Reviewed and analyzed high-volume dispute cases, identifying fraud indicators.
• Supported decision-making by evaluating transaction data and documentation.
• Contributed to improving case accuracy and fraud detection efficiency.
• Maintained detailed records ensuring audit readiness and compliance.
• Awarded "Rising Star of 2024" for outstanding performance.

MBA in Human Resources Management – University of Madras (2026-02)

B.com in Corporate Secretaryship – Guru Nanak College of Arts And Science (2023-05)