Saikiran Biradar

About Saikiran Biradar

Experienced fintech operations professional currently working with Paytm, specializing in merchant operations, digital payments, and payment gateway support. With 3+ years of professional experience, I focus on delivering seamless payment solutions and operational excellence.Currently responsible for managing Brand EMI and International Credit Card transactions, handling Merchant Discount Rate (MDR) operations, and supporting merchants to drive higher GMV and business growth. I actively work on merchant settlements, payouts, and resolving merchant concerns, ensuring smooth financial operations.In addition, I handle payment gateway technical operations, chargeback management, and Merchant Help Desk (MHD) ticketing, ensuring timely issue resolution and strong merchant relationships.I also lead and coordinate with teams to maintain service quality, improve operational efficiency, and support merchants with scalable payment solutions.Passionate about fintech innovation, merchant success, and operational leadership, and always open to learning, collaboration, and new opportunities in the digital payments ecosystem.

Experience

1. Team Lead

   Paytm

   Feb 2026 — Present · Bengaluru, IN

   Leading merchant payment operations with a focus on Brand EMI and International Credit Card transactions. Responsible for managing merchant relationships, operational processes, and ensuring smooth payment gateway operations.Key Responsibilities:• Managing Brand EMI and International Credit Card transaction operations.• Handling Merchant Discount Rate (MDR) processes and ensuring correct billing and reconciliation.• Leading a team to manage daily merchant operations and support activities.• Assisting merchants in increasing business and driving GMV growth on Paytm platforms.• Managing merchant payouts and settlement processes to ensure timely and accurate payments.• Handling chargeback cases and payment gateway operational activities.• Managing Merchant Help Desk (MHD) ticketing system and resolving merchant queries efficiently.• Coordinating with internal teams to ensure smooth payment processing and merchant satisfaction.

Education

• Karnataka institute of management and technical education

  B.com, Accounting and Finance

• MKDD school wadi junction

  Chanakya colllege bidar, Business/Commerce, General