Sadiq Hussain Shaik

About Sadiq Hussain Shaik

I am a highly motivated and results-driven finance and product analyst with a strong…

Experience

1. Disputes and Chargeback Specialist

   Tsys

   Apr 2025 — Present · Milton Keynes, GB

   Investigated and resolved over cardholder disputes and chargebacks monthly, reducing loss exposure by £200K+ per month using TS2, CRM, and Mastercard/Visa rule frameworks. Achieved a 92% dispute resolution success rate by rigorously analysing transaction data, merchant responses, and customer statements, while adhering to regulatory and card scheme compliance. Reduced average dispute handling time by 65% through automation of recurring workflows and optimised case prioritisation based on financial risk and claim type severity. Leveraged TS2 and CRM and chargeback tools to track, manage, and document the end-to-end lifecycle of cases, ensuring 100% audit readiness and full alignment with FCA guidelines. Collaborated cross-functionally with fraud teams, customer service, and merchant services to introduce a dual-verification model, leading to a 70% drop in invalid claims. Delivered proactive insights on recurring merchant dispute trends, directly contributing to fraud pattern flagging and merchant risk profiling, improving early intervention rates by 60%. Authored clear, data-driven final response letters and evidence packs with a 1% representation failure rate, enhancing win rates in arbitration cases. Spearheaded training for 10+ new analysts on chargeback regulations, dispute lifecycle, and TS2 and CRM navigation, improving team accuracy and productivity by 85%. Draughted and communicated formal decision letters and final response communications to customers, explaining complex findings in clear, concise language and achieving a high standard of customer satisfaction and complaint closure. Recommended and integrated preventive measures and system enhancements, such as the outbound call process, resulting in a 75% decrease in premature card blocks within the first month of implementation. Conducted regular risk assessments to detect potential compliance gaps in promotional material or dispute cases, ensuring timely remedial action.

Education

• University of Hertfordshire

  Master's degree, Data Science

• Pragati Engineering College

  Bachelor of Technology - BTech, Mechanical Engineering

  2018 — 2022