Saravanan Kumar

Payments operations and dispute-management professional with experience across card and UPI disputes, chargebacks, fraud monitoring, ATM/POS/e-commerce transaction reconciliation, settlement validation, MIS reporting, and banking escalations. Experienced in coordinating with banks, finance, risk, compliance, customer support, vendors, and internal technology teams to resolve exceptions within turnaround times (TAT). Currently working as Senior Team Leader at IDBI Intech.

Senior Team Leader at IDBI Intech (2025-06 – Present)

• Lead day-to-day issuer and acquirer operations across RuPay, Visa, and Mastercard workflows.
• Oversee chargeback cases from investigation and evidence gathering through submission, follow-up, and closure.
• Monitor fraud-related chargebacks and transaction patterns; coordinate with relevant teams on risk mitigation.
• Prepare management dashboards, penalty/acceptance reports, TTUM status updates, and daily transaction summaries for banks.
• Validate late reversals against customer financial accounts and monitor GL reconciliation status.
• Coordinate GL UAT and automation activities with developers, troubleshoot issues, and support production release.
• Handle BO, cybercrime, fraud, and escalation emails, ensuring timely responses and closure within TAT.
• Provide MIS and audit data to internal and external stakeholders; report chargeback performance and trends.

Senior Executive at Hitachi Payment Services Pvt. Ltd. (2022-08 – 2025-06)

• Processed debit-card, credit-card, and UPI disputes across NFS, Mastercard, and Visa networks for domestic and international customers.
• Managed deposit disputes, settlement validation, and switch-versus-NFS settlement reconciliation.
• Investigated suspected fraudulent deposits and withdrawals, supported fraud-loss reduction, and shared reports with senior management, fraud teams, and NPCI.
• Handled critical disputes escalated by the RBI and Banking Ombudsman, coordinating with branches, customers, Legal, and banking officials.
• Supported ATM, POS, e-commerce, and UPI reconciliation and settlement activities; retrieved CCTV footage for ATM dispute investigations.
• Prepared weekly and monthly chargeback MIS, transaction dashboards, recovery files, and finance reports.
• Validated pending settlements and deductions, coordinated NEFT processing where required, and resolved customer queries related to ATM cash balances.

Assistant Manager at BTI Payment Services Pvt. Ltd. (2017-11 – 2020-10)

• Managed franchise reconciliation, collection fund transfers, CBR loading, switch balances, and vault cash movement.
• Investigated excess and shortage cases by coordinating with finance, cash teams, CIT/CRA partners, franchises, vendors, and helpdesk teams.
• Reconciled opening and closing balances, validated finance reports, and maintained daily and monthly MIS for cash movement and shortages.
• Tracked mismatches and reversals, escalated unresolved items, and coordinated corrective action within defined timelines.
• Prepared shortage reports, supported recovery and debit-note processing, and mapped finance/SAP details to reconciliation records.
• Maintained supporting documentation and approvals for audit requirements and financial-year closing activities.

Senior Executive at Hitachi Payment Services Pvt. Ltd. (2011-05 – 2017-11)

• Handled ATM reconciliation and dispute resolution, including error-transaction investigation and customer-deduction validation.
• Generated TTUM files and coordinated with banks for customer account debit/credit entries based on reconciliation reports.
• Reviewed historical and current discrepancies, escalated problem accounts, and worked with stakeholders to resolve outstanding balances.
• Supported team training, special projects, database/billing-system updates, and regular account follow-ups.
• Received the Best Performance Award for Dispute Handling in 2014.

M.Sc. in Information Technology – Bharathidasan University (2010-06)

B.Sc. in Zoology – Manonmaniam Sundaranar University (2006-06)

HSC – State Board (2003-03)

SSLC – State Board (2001-03)