Deepak Patil

As a Network Reconciliation Officer in Operations at NSDL Payments Bank Ltd., I am responsible for ensuring accurate and timely reconciliation of UPI, NACH, and IMPS transactions. My role involves identifying and resolving errors from DBA and IT teams to prevent excess customer credits and facilitate recoveries. I also authorize flagging promptly and ensure timely crediting of timeout transactions. I actively participate in User Acceptance Testing (UAT) to enhance UPI automation and efficiency, including testing for raw-file format upgrades and settlement cycle changes. A key achievement is collaborating with the Product team to launch the Merchant Acquiring business within the UPI ecosystem, enabling seamless UPI payment acceptance for businesses like Cashfree, Phi Commerce, and Iserveu. This involved setting up process flows and sharing operating procedures for smooth business operations. I also successfully launched the NACH APB product for subsidy-related, SIP, and EMI transactions. I meticulously generate and authorize payment GEFU files to avoid errors. I am also responsible for preparing and submitting monthly, quarterly, and half-yearly regulatory reports with accuracy and within stipulated timelines, including Banking Service Price Index, Mobile Banking Statistics, Digital Payment Index, and various card and PPI statistics. I ensure 100% adherence to RBI guidelines. My work contributes to a streamlined, compliant, and customer-centric banking operation.

As an Assistant Manager at DCB Bank Ltd. (March 2019 – January 2023), my role encompassed comprehensive reconciliation and dispute resolution. I prepared MIS reports for POS, CND, Misuse (Fraud complaints), and Payment Gateway disputes. My responsibilities included reconciling POS disputes, coordinating with vendors, and cross-checking on the VISA portal. I ensured all POS disputes were resolved within TAT as per VISA guidelines and raised chargebacks for POS and Payment Gateway disputes based on customer complaints. I also processed refunds for Payment Gateway customer disputes upon merchant/aggregator confirmation and managed timely credit and resolution for failed POS dispute customer complaints. I handled diverse chargeback and dispute claims, including Issuing Chargeback/Pre-arbitration/Arbitration and Good faith dispute claims (NFS & CASHNET). My duties also involved managing Misuse (Fraud) complaints, forwarding claim documents to insurance for fund recovery (no customer negligence cases), and handling Counterfeit Chargeback cases (non-EMV ATM terminals). I followed up on CCTV footage for fraud cases and managed UPI and IMPS wrong credit chargeback cases. Additionally, I handled Banking Ombudsman Disputes. For IMPS Reconciliation, I performed reconciliation between Switch & CBS with raw data, ensuring transaction amounts matched DSR reports. I identified and analyzed unreconciled transactions, raising adjustments in the NPCI IRCS application (TCC, RET actions) and adhering to RBI guidelines for unsettled transactions (T+1 days). I also gained experience in CKYC Verification, performing independent checks of CKYC information from the front office. This included initial reviews for new & existing customers and verifying details on the portal using digital signatures to generate 14-digit CKYC numbers by uploading documents to CERSAI.

Data-Driven Documentation & Analysis: Systematically reviewed business and technical requirements, preparing detailed understanding documents and ensuring accurate export documentation through meticulous data compilation and validation. Demonstrated a strong understanding of data significance in operational workflows. Operational Excellence & Compliance: Spearheaded the processing of shipping instructions into client systems, adhering strictly to client-specific requirements and contributing to the timely and accurate preparation of Bill of Lading and House Bill of Lading. Supported internal audits by diligently preparing process documentation. Cross-Functional Collaboration & Reporting: Enhanced teamwork and production quality through efficient collaboration and effectively coordinated with front office and international country offices. Generated and published daily reports, providing data-driven insights into inventory status for informed decision-making. Mentorship & Continuous Learning: Actively supported and trained new team members in Bill of Lading preparation, demonstrating a commitment to knowledge transfer and continuous improvement within the team.

Technical Problem-Solving & Client Interaction: Applied analytical problem-solving skills to diagnose and resolve server-related issues for customers across Linux and Windows operating systems. Provided effective support via chat, addressing technical queries and explaining hosting plans, showcasing strong communication and client-facing abilities. Rapid Learning & Adaptation: Quickly acquired and applied knowledge of diverse technical environments and product offerings to effectively support customer needs, highlighting a strong ability to learn new processes and technical domains.

Data-Driven Documentation & Analysis: Systematically reviewed business and technical requirements, preparing detailed understanding documents and ensuring accurate export documentation through meticulous data compilation and validation. Demonstrated a strong understanding of data significance in operational workflows. Operational Excellence & Compliance: Spearheaded the processing of shipping instructions into client systems, adhering strictly to client-specific requirements and contributing to the timely and accurate preparation of Bill of Lading and House Bill of Lading. Supported internal audits by diligently preparing process documentation. Cross-Functional Collaboration & Reporting: Enhanced teamwork and production quality through efficient collaboration and effectively coordinated with front office and international country offices. Generated and published daily reports, providing data-driven insights into inventory status for informed decision-making. Mentorship & Continuous Learning: Actively supported and trained new team members in Bill of Lading preparation, demonstrating a commitment to knowledge transfer and continuous improvement within the team.