Ratul Banthia Email & Phone Number

Miami, Fl, Us

Miami, Florida, Us

Revenue based Finance for micro SMEs - Credit, Pricing, Risk & Product Innovation

Miami, Florida, Us

Revenue based Finance for micro SMEs - Credit, Pricing, Risk & Product Innovation

Miami, Florida, Us

Seed to series A build out of B2B trade enablement platform.- Commercial Partnerships for Trade Finance products- Payments & BaaS Partnerships for FX & Money Movement products- Fraud & Credit Risk innovation for Trade Finance with LatAM & US focus

San Francisco, Us

Seed to Series A build-out and roadmapping of Product & Business strategy for verticals:- Onboarding - Credit & Fraud- Transaction Authorization - Fraud- Risk Guarantee as a service

San Francisco, Ca, Us

Built the vision and strategy for Fraud & Credit Risk to enable new product development (small business payments, cards, banking), prior to the BBVA-PNC deal.

Mountain View, California, Us

Built an appetite for Risk in the Org and architected policy improvements to mitigate Credit and Fraud risks across the small business portfolio of Payments & Lending. Enhancements driven across policy, AI/ML models, operations and analytics processes to enable historic portfolio growth with industry leading automation & risk/reward KPIs. Revamped:- Merchant Onboarding- Credit & Fraud Risk based Processing Limits- Fraud Ring Detection- Real time Transaction Authorization - Continuous Monitoring & Dynamic Limits- New Product Risk Strategy

Newark, New Jersey, Us

Balance Sheet & Income Statement forecasting model enhancements.- PGIM (Asset Management), Treasury, Controllers & Capital forecasting models- Model Risk Policy Improvements & Adoption

London, Gb

Financial Services Risk Management advisory for Foreign Banking Organizations (FBOs) and other Systematically Important Financial Institutions (SIFIs).- Handholded one of the largest non-Banking SIFI to enhance Credit forecasting capabilities across Commercial Lending & Credit Cards portfolios- Helped enhance Credit & Market risk frameworks for a large German and a large French Bank- Developed Counterparty Credit Risk enhancement strategy for a large US Commercial Bank's commercial lending portfolio- Drove strategic alliances such as SAS

Product management and enhancement for Financial Services Risk advisory services. - Built out the advisory function to scale advisory function up the value chain- Mentored and developed teams to perform Business Analysis- Guided Sales & Pre-sales to target opportunities- Developed demonstrable POVs, executed pilot engagements

Austin, Texas, Us

Oracle Financial Services Analytical Applications Advisory - Enterprise Risk & Enterprise Performance management for Financial Services.- Led Basel II Commercial Lending & Market Risk BU adoption by the first ever bank in Egypt- Led product development of Liquidity Risk Management solution- Drove roadmap to synchronize Risk (Basel, Liquidity) & Performance (Asset Liability, Transfer Pricing, Profitability) management solutions

Mumbai, Maharashtra, In

Corporate Strategy Enhancement. - Built out & scaled up the process of monthly leadership reviews of Financial/ Operational performance of Irevna by the CRISIL boardLaunch & Growth strategy of the Business Analysis Services vertical.- Delivered Strategic Risk & Finance integration requirements for a large German Bank's UK subsidiary - Scope included Fixed Income, Money Markets, Securities Lending & Derivatives portfolios- Post initial delivery, grew the client engagement multi-fold and developed the road-map for future launches in the segment

London, Gb

Hedge Fund accounting and valuation for the Americas portfolio.

Professional Accounting Program, Accounting And Finance

Financial Risk Manager, Financial Risk Management

Bachelor Of Business Administration - Bba, Finance And Financial Management Services