Pradeep Sharma

Key Responsibilities & Achievements: ✔ Leading the validation and reconciliation of Payment Gateways, Net banking, Wallet and Partner commissions in line with the contractual agreements. ✔ Providing strategic financial insights to senior leadership through accurate reporting on Gross Margin, Cost / Revenue Assurance and Chargebacks analysis. ✔ Handing end to end daily reconciliation of Nodal Accounts, ensuring 100% alignment between system data and banking records, eliminating revenue leakages. ✔Lead the implementation of agreed process and reporting improvements, ensuring minimal disruption to business-as-usual activities ✔Defining and implementing process for new product launches / implementation and Automation of Reconciliations. ✔Analyse chargeback trends by route, channel, and payment method to identify root causes. ✔Directed the Chargeback and Risk Team for fraud-related losses and safeguarding revenue streams. ✔Publishes daily chargeback exposure report to leadership to take decision on recovery of fall-out cases and understand fraud pattern proactively. This is helping to reduce overall chargeback exposure during the financial year and identifying pattern of merchants/MCCs where fraud or risk check is not effective. ✔Work on monthly provisioning of chargebacks and provide MID level analysis to business finance team to ensure BU reporting and actionable are factored in BU P&L. ✔Ensuring that invoices match contracts, tariffs, and discount policies, preventing overcharging or undercharging. ✔Lead Revenue assurance tasks involve systematically monitoring, identifying, and preventing revenue leakage—lost revenue due to billing errors, unbilled services, or data inconsistencies—to ensure that all services delivered are accurately captured, billed, and collected. Key tasks include reconciling data across systems (e.g., CRM to billing), auditing contracts, detecting fraud, and validating billing accuracy.

Revenue Assurance, Invoicing, P&L, Gross Margin, Financial Analysis, Reporting, Reconciliation, Payments, Chargebacks, Bank & Merchant Recovery.

• Responsible to manage services i.e., AePS (Aadhaar Enabled Payment System), DMT (Domestic Money Transfer), BBPS, POS & Micro ATM with partners • Review of end-to-end reconciliation for all products, Fund Mapping, Verification and Validation of the Payment Gateway, Net Banking Partner commissions. • To improve revenues and profitability through the complete assurance of revenues and minimization of leakage. • Defining and implementing process for new product launches / implementation and Automation of Reconciliations. • Provide financial advice on business strategies (e.g., revenue management, pricing, product initiatives) to optimize value creation potential. • Responsible for sending Commission invoices to all existing merchants which has been charged by us towards TDR and validate the vendor invoices for payment. • Validation of daily Revenue Collected from merchants on behalf of their settlements. • Responsible for payment collection from merchants and clear the outstanding dues within timeline. • Responsible for month-end and year-end close processes including review of journal entries, variance analysis of revenue and PG Cost and MIS reporting. • Responsible for finalization of cost calculation for all live Net banking's and PG gateways. • Assisting providing data in finalizing GST returns and help to merchants to resolve their GST queries. • Manage Daily, Weekly and monthly closing of financial records and posting of month end information, ensures accuracy of financial statements.

• Responsible for TDR (Total deduction rate) analysis on the basis of which merchant TDR and Bank TDR will be rectified in case of loss merchants. • Developed the various functionality of the module to scrape desired information from web using MS Excel & MS Access and SQL. • Generating and interpreting different reports making use of pivot table and other counting and summing functions of excel. • Fetching sales report from panel and sending consolidated information to different categories using charts. • Responsible for finalization of cost calculation for all live Net banking's and PG gateways. • Preparation of monthly commission share for all respective banks as per the agreed rates (Revenue sharing %) on the basis of categories specified at the time of agreement and ensuring that such details shared with individual banks per agreed timelines. • Responsible for sending Commission invoices to all existing merchants which has been charged by us towards TDR and validate the vendor invoices for payment. • Responsibility area is diverse and involves training and development | meeting quality standards | motivation | management & supervision to ensure performance in time frame. • Responsible for merchant and vendor data reconciliation. • Responsible for resolving TDS, GST and data related merchant and vendor queries on time.

* Compilation of reports of processes. * Making strategy, this is followed by Operations for optimum sales. * Taking care of the employee reward programs like sales incentives, employee scorecard to which monthly bonus plan is directly linked. This involves proposing new incentive plans & scorecard parameters to the operation floor for discussion and final approval from management. * Maintaining End of the Day reports (EOD) for all the processes. * Responsibility area is diverse and involves training and development, meeting quality standards, motivation, management & supervision to ensure performance in time frame. * Has been involved in conference call with the clients regarding any new updates for the process. * Maintaining Database for the process, Maintaining Client Report on Daily Basis, Maintaining day wise sales trackers. * Maintaining Daily Center Report (DCR), Daily Production Report (DPR), and Daily Disposition Report for all the processes. * Handling the quality issues of the process. * Responsible for timely delivery with proper quality.

* Generating and interpreting different reports making use of pivot table and other counting and summing functions of excel.. * Handling sales report by making use of Excel, Charts. * Fetching sales report from panel and sending consolidated information to different categories using charts. * Working on FTC (Forward to Category) report. * Working on VOC (Voice of customer) report. * Sending new upload in excel sheet which require excellent knowledge of excel text functions. * Updating stock and price in bulk by making use of Vlookup and Hlookup excel functions. * Working on margins report stating reasons for negative margins. * Coordinating with different teams (Merchandising Team, Customer Service Team, RMA Team, IBL team, *Programming Team, Procurement Team and Corporate Team etc. * Responsible for timely delivery with proper quality. * Vendor Management. * Category Management. * Handling Product Communication & Sales Plan. * Generate Increment Volume, Payment Volume, Customer Awareness.

*Managing receivables for all the merchants. *Credit evaluation of existing and new customers *Timely debtors review and flagging out the risk on timely basis *Month end Provision for doubtful debts -Review & recovery plan *Quarterly Reconciliation with all the merchants. *Validation and timely payment to distributors and Retailers. *Ensuring control are in place before payout happens. *Validation of Pricing for all the customers on monthly basis *MIS and Reporting: Preparation of Monthly / Periodic PnL at Customer /Channel level