Shraddha Desai

Banking Operations and Chargeback Officer

Talent

Pune, PuneMember since October 29, 2025

Proactive and clear communicatorProductive and Multi-taskingGood knowledge of Payment IndustryDetailed orientedFinancial accountingProblems solving and InvestigativeComputer SkillsOrganize and documentCentralized Payment Systems (CPS)DEAF accounts processRBI XBRL ReportingAnnual AIR/SFT FilingTDS PaymentCentralized TDS Return FilingRTGS / NEFT settlementsUPIIMPSDMSRuPayCheque Truncation System (CTS)Reconciliation and Dispute ResolutionERFM (Enterprise Risk Fraud Management)

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Proactive and clear communicatorProductive and Multi-taskingGood knowledge of Payment IndustryDetailed orientedFinancial accounting

About

Personal Banking and Chargeback Officer currently working with Sadhana Bank in Pune. I have 10+ years of total experience in Banking and more than 3 years relevant experience in Reconciliation and Dispute Management. My skills includes Centralized Payment Systems (CPS), DEAF accounts process, RBI XBRL Reporting, Annual AIR/SFT Filing, TDS Payment, Centralized TDS Return Filing, RTGS / NEFT settlements including includes UPI, IMPS and DMS.

Experience

Officer – Reconciliation and Dispute Department at Sadhana Sahakari Bank Ltd. (2022-01 – 2023-11)

Leading the entire Reconciliation and Dispute resolution process of NPCI (chargeback, pre arbitration and arbitration case filing) for issuer and acquirer.
Resolve queries and concerns related to IMPS, UPI, RuPay, POS and Net Banking.
Analyze, confirm and report suspicious transactions. ERFM (Enterprise Risk Fraud Management).
Handling customer complaints of digital transactions and payments. Educate customers on various cyber threads and frauds.
Creation of branch level reports, financial presentations, and other artifacts required.
Coordinate with multi-disciplinary departments like Accounts, Recovery, Information technology, Secretarial Audit and Credit Department.
Respond to inquiries from internal and external branches regarding chargeback requirements, system processing and functionality, and transactions.
Load balancing by doing day-to-day operations of branch, managing and assisting customers.
Report, Cash and Financial data management.
Drive simplicity in the day-to-day banking.

Officer – Branch Operations at Sadhana Sahakari Bank Ltd. (2018-10 – 2022-01)

Day-to-day branch operations, includes saving and current account opening and verification. Guide and support customers in various types of loans, cash, fund management of branch. Educate customers on all type of deposit schemes.
Handling the flow of cheque Truncation System (CTS), RTGS / NEFT Transactions, resolving complaints related to ATM and debit cards.
Conduct verification of multiple accounts type, Issue / grant of bank guarantee. Verify identity documents of customer (KYC) periodically over time.
Practice core banking including cheque personalization, locker services, Government insurance services (PMJJBY / PMSBY).

Junior Clerk – Head Office at Sadhana Sahakari Bank Ltd. (2013-08 – 2018-10)

Conduct Reconciliation and Dispute Resolution Process with the help of various portals.
Resolve customer complaints against RuPay card transaction and IMPS.
Settlement all chargeback, pre arbitration and arbitration cases for RuPay and IMPS.
Educate customers on chargeback process.
Handle Centralized Payment Systems (CPS), DEAF accounts process, RBI XBRL Reporting, Annual AIR/SFT Filing, TDS Payment, Centralized TDS Return Filing, RTGS / NEFT settlements.