Balram K
@balramk
I lead chargeback operations, customer complaint resolution, and payment dispute teams across global financial services firms.
IndiaWhat I'm looking for
I've led chargeback, complaints, payment setup, and settlement operations at Tata Consultancy Services, PayPal India, Revolut Technologies India, and HCL Technologies. I resolve customer disputes using Visa and Mastercard rules, manage escalations including RBI reporting, and support end-to-end issuing chargeback processes.
I've built daily and monthly MIS, chargeback reconciliations, quality controls, audit documentation, and team dashboards while training new associates and leading workflow allocation. My work includes CBOL and customer queue alert projects, risk assessments, process improvements, and maintaining SLA-driven, high-quality dispute resolution.
Experience
Work history, roles, and key accomplishments
Currently leading chargeback analysis, complaints handling, and ready reckoner preparation. Managing team operations and ensuring process efficiency.
Oversaw chargeback analysis, complaints handling, payment setup, and ready reckoner preparation. Led team operations for 1.4 years.
Managed complaints handling, payment setup, and customer handling for 1.5 years. Led a team and ensured efficient resolution of customer issues.
Handled chargeback unit for 7 years, managing customer complaints and RBI escalations. Led team operations, prepared MIS reports, and implemented automation projects like CBOL.
Education
Degrees, certifications, and relevant coursework
Pondicherry University
Master of Business Administration, International Business
Grade: 56%
Pursued a Master of Business Administration in International Business, achieving 56%.
University of Madras
Bachelor of Commerce, Commerce
Grade: 66%
Completed a Bachelor of Commerce with a score of 66%.
Central Board of Secondary Education
Higher Secondary Certificate, General Studies
Grade: 58%
Completed Higher Secondary education with 58%.
Central Board of Secondary Education
Secondary School Leaving Certificate, General Studies
Grade: 64%
Completed Secondary School Leaving Certificate with 64%.
Availability
Location
IndiaAuthorized to work in
Job categories
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