Merchant Fraud Risk Manager (05/2023 - Present)- Lead the Merchant Fraud Strategy team that aims to fight fraudsters and is accountable for minimizing fraud losses, protecting the payments ecosystem and balancing these goals with ensuring great user experience for good/non-fraudulent users- Lead a group of Risk Strategists who combine data science, analytical, project management, product management skills to protect Stripe from fraudsters- Cross-functional leadership working very closely with Engineering, Data Science, Operations, and Product to ensure wholistic Fraud Strategy development and execution occurs across Payments and other key Stripe productsCredit Risk Manager (09/2020 - 10/2023)- Operate as an Individual Contributor (IC) and Manager in different contexts and capacities- Lead a team of Credit Risk Strategists who underwrite and build products to mitigate credit losses emanating from Stripe’s payment-processing products and services; manage >$XXB of credit exposure across APAC and North America- Build specific credit-risk tools/products/systems to manage risk across Stripe’s emerging product areas (like Crypto, NFTs, corporate card issuing, scalable payment methods like BNPLs, among others)- Work very closely with Engineering, Data Science, and Operations to influence product roadmaps across Risk and Payments- Co-led the development of several foundational credit risk methodologies including, Probability-of-Default v1 across Stripe’s large-user merchant base, that improved Expected Loss observability across Stripe- Developed frameworks and established scalable processes to assess credit risk of Crypto and NFT merchants ($XXX million of exposure) underwriting and risk assessment that cut review times by 80%- Extensively engage with users to manage difficult risk mitigation conversations, understand their pain points, and ultimately use the feedback to shape product roadmaps and Risk Strategies across the org

Waymo Corporate Development (01/2020 - 09/2020)- Developed strategic insights and investment theses around the Autonomous Vehicle and Robotics landscapes to strengthen Waymo's Corporate Development proactive outreach activities- Identified technology and talent gaps within Waymo software engineering areas (like Perception, Simulation, Machine Learning, etc.), sourced companies that could best fill those gaps and accelerate Waymo's product-development road map- Develop strategic relationships with companies within the Autonomous Vehicle ecosystem that could become suppliers, partners, investment opportunities, and/or future acquisition targetsAlphabet Treasury, Trading & Investments (12/2007-12/2009)Core Responsibilities:- Research and generate investment ideas for a portion of Alphabet’s liquid cash portfolio focused on Investment Grade corporate bonds ($xx billion)- Analyze the financial and operational performance of almost 80 companies spread across Technology, Media, Telecom, Energy, and Basic Industries to identify the best investments under specific risk/return constraints- Led the development of credit scorecards that quantify, automate and improve the efficacy of assessing the fundamental credit risk of corporate companies under coverageEnterprise Risk Management and Other Analytical Projects:- Assess the counter party credit risk of large, important Google's Devices and Services (Pixel, Nest, etc.) partners and recommend risk mitigation strategies on total exposure of $xxx million- Developed Google Pay's SMB-merchant acquisition GTM strategy for India and the US markets- Developed a Software-as-a-Service (SaaS) performance-/valuation-metrics benchmarking tool that helps screen incoming startup investments for GV (fka Google Ventures)- Performed financial and operational risk analysis on three large real estate development vendors that were being considered for the $xx billion Bay Area campus development projects

- Perform in-depth fundamental credit analysis on a portfolio of almost 30 Energy (E&P, Oilfield Services, and Midstream), Business Services, Manufacturing and Equipment Rental companies- Assign, monitor and manage the corporate family and bond ratings for investment-grade and high-yield debt issuers- Analyze the financial performance, earnings quality, debt service capability, liquidity, covenant compliance, financial policy, business profile, and peer comparison statistics as part of the ratings framework- Recommend and defend ratings backed by thorough analysis and well-articulated rationales to committees of senior analysts - Write and publish credit opinions, press releases for rated issuers, as well as other commentary and research offering insight into rating considerations, future expectations and views on industry fundamentals- Engage with the investor community to answer questions on my portfolio companies and industries they are a part of- Develop and maintain relationships with senior management teams of rated companies, senior bankers, buy-side investors and private equity sponsors to derive insights and information about company performances and to gather industry trends- Conduct on-going and quarterly portfolio surveillance and additional due diligence through extensive interactions with all stakeholders involved in the ratings process- Review credit agreements and bond indentures to assess covenant quality, priority claims, guarantees, and collateral packages; and to perform loss given default analysis for rated debt instruments

Oil and Gas (Integrateds, E&P, Midstream, Oilfield Services, Refining and Marketing) - October 2014 - Present Media (Television Broadcasters, Radio Broadcasters, Newspapers, Publishing, etc.) - April 2011 - October 2014- Perform in-depth fundamental credit research on a portfolio of high yield and investment grade companies.- Perform financial modeling, loan dnd covenant due diligence, liquidity analysis, capital structure sustenance analysis, earnings quality evaluation, competitive environment assessment, loss given default analysis, loan document and covenant due diligence, management’s financial policy and operating effectiveness assessment as part of the process of assigning credit ratings. - Monitor company specific news, macro-economic developments, regulatory changes, and other esoteric factors that influence the borrowing companies’ credit worthiness on a daily basis.- Develop and maintain relationships with management teams, senior bankers, and private equity sponsors to derive insights into companies' performances and to gather industry sector trends.- Write topical industry research, press releases, credit opinions, special comments, and other market communications.- Train other junior Associates. - Develop presentation material used by senior analysts for investor outreach and ratings transparency presentations. - Work with internal teams including middle office, research production, financial data analysts, and financial writers to improve the efficiency of the ratings and portfolio monitoring processes.

- Performed quantitative analysis on CLOs and distressed ABS’ by reverse engineering the instruments to figure out structures, collateralization support, cash flow waterfalls, events of default, etc. - Modeled future cash flows, reconciled various cash accounts, performed price yield sensitivity analysis, and recommended price ranges for various instrument tranches to the institutional sales team.- Prepared various structured product tranches’ summary write-ups that were used to pitch certain structured instruments to institutional clients.